1. (a) “Policy” shall include any policy, plan, certificate, contract, agreement, statement of coverage, rider or endorsement which provides for life insurance or annuity benefits.
2. (b) “Insurer” shall include any organization or person which issues life insurance or annuities to residents of this state.

3. (c) “Advertisement” shall be material designed to create public interest in life insurance or annuities or in an insurer, or to induce the public to purchase, increase, modify, reinstate or retain a policy including:

   1. (1) printed and published material, audiovisual material, and descriptive literature of an insurer used in direct mail, newspapers, magazines, radio and television scripts, billboards and similar displays;
   2. (2) descriptive literature and sales aids of all kinds issued by an insurer or agent, including but not limited to circulars, leaflets, booklets, depictions, illustrations and form letters;
   3. (3) material used for the recruitment, training, and education of an insurer's sales personnel, agents, solicitors and brokers which is designed to be used or is used to induce the public to purchase, increase, modify, reinstate or retain a policy;
   4. (4) prepared sales talks, presentations, and material for use by sales personnel, agents, solicitors and brokers.

4. (d) “Advertisement” for the purpose of these regulations shall not include:

   1. (1) communications or materials used within an insurer's own organization and not intended for dissemination to the public;
   2. (2) communications with policyholders other than material urging policyholders to purchase, increase, modify, reinstate or retain a policy;
   3. (3) a general announcement from a group or blanket policyholder to eligible individuals on an employment or membership list that a policy or program has been written or arranged; provided the announcement clearly indicates that it is preliminary to the issuance of a booklet explaining the proposed coverage.

For the purpose of these regulations: