In this chapter:

1. (1) "Agent" means:

   1. (A) a person authorized to act as an insurance agent as defined by Section 4001.003; or
   2. (B) a third-party administrator authorized to act as an administrator for an insurer under Chapter 4151.
2. (2) "Consumer" means a policyholder or potential policyholder, a certificate holder or potential certificate holder, an insured or potential insured, a contract holder or potential contract holder, an enrollee or potential enrollee, or an applicant for insurance, an annuity, or health care plan coverage.
3. (3) "Enrollee" and "health care plan" have the meanings assigned by Section 843.002.
4. (4) "Insurer" means an insurance company, including a reciprocal or interinsurance exchange, mutual insurance company, capital stock company, Lloyd's plan, fraternal benefit society, group hospital service corporation, or other legal entity authorized to engage in the business of life, accident, or health insurance or annuities in this state.

5. (5) "Loss-control or value-added product or service" means a product or service offered or provided by an insurer, health maintenance organization, or agent, by or through an employee, affiliate, or third-party representative, to an insured, annuitant, or enrollee at no or reduced cost when such products or services are not specified in the insurance policy, annuity contract, or health care plan contract and that:

   1. (A) relates to the insurance, annuity, or health care plan coverage; and

   2. (B) is primarily designed to do one or more of the following:

      1. (i) provide loss mitigation or loss control;
      2. (ii) reduce claim costs or claim settlement costs;
      3. (iii) provide education about liability risks or risk of loss to persons or property;
      4. (iv) monitor or assess risk, identify sources of risk, or develop strategies for eliminating or reducing risk;
      5. (v) enhance health;
      6. (vi) enhance financial wellness through items such as education or financial planning services;
      7. (vii) provide post-loss services;
      8. (viii) provide incentives for behavioral changes to improve the health or reduce the risk of death or disability of an insured, annuitant, or enrollee; or
      9. (ix) assist in the administration of employee or retiree benefit insurance, annuity, or health care plan coverage.

Added by Acts 2025, 89th Leg., R.S., Ch. 581 (H.B. 2221), Sec. 2, eff. September 1, 2025.