Adopting de novo standard of review of insurance denial still a far cry?

The standard of review adopted by a court in reviewing the decisions made by the insurance company or lower court is critical to the outcome of the case. Unfortunately, disability insurance companies frequently insert a clause in the policy document that allows the court to adopt a review that is most favorable to the insurance company. Potential customers should at least ensure that the policy document allows the courts to have, as far as  possible, an unbiased standard of review.
For laypersons, more information about the standard of review here.