31.15.02.01

.01 Definitions.

A. In this chapter, the following terms have the meanings indicated.

B. Terms Defined.

(1) "Advertisement" includes:

(a) Printed and published material and descriptive literature of a carrier used in or on newspapers, magazines, or any other publication, radio and TV scripts, matchbooks, blotters, calendars, posters, billboards, and similar displays;

(b) Descriptive literature and sales aids of all kinds issued by a carrier for presentation to members of the public, including but not limited to circulars, pamphlets, leaflets, booklets, depictions, illustrations, and form letters; and

(c) Prepared sales talks, presentations, and material for use by producers, and representations made by producers in accordance therewith.

(2) "Carrier" includes an insurer, a nonprofit health service plan, a health maintenance organization, a dental plan organization, and any other person engaged in the business of insurance.

(3) "Policy" includes any policy, plan, certificate, contract, agreement, statement of coverage, rider, or endorsement which provides accident or sickness benefits, or medical, surgical, dental, or hospital expense benefits, whether on a cash indemnity, reimbursement, or service basis, except:

(a) When issued in connection with another kind of insurance other than life; and

(b) Disability and double indemnity benefits included in life insurance and annuity contracts.

(4) “Producer” has the meaning set forth in Insurance Article §1-101(u), Annotated Code of Maryland.