Advances made by an agent, agency, or producer of record in behalf of an insured or applicant for insurance and any lien arising therefrom under this article must be confined to premiums for policies desired by the insured or applicant for insurance and no charges other than those set forth in this article may be made by any agent, agency, or producer of record in connection with, or related to, the advance of premiums. The agent, agency, or producer may not require, as a condition to the advancing of the premiums, that the insured purchase any other policy, commodity, product, or service.