The commissioner may authorize a lower score than the Flesch reading ease score required in RSA 420-H:5, I(a) whenever he finds that a lower score:
I. Will provide a more accurate reflection of the readability of a policy form;
II. Is warranted by the nature of a particular policy form or type or class of policy forms; or
III. Is caused by certain policy language which is drafted to conform to the requirements of any state law, rule or agency interpretation.