As used in this part, "mass marketed life or accident and health insurance" means the insurance under any individual, franchise, group, or blanket insurance policy offering life or accident and health insurance:

1. (1) that is offered by means of direct response solicitation through:

   1. (a) a sponsoring organization; or
   2. (b) the mails or other mass communications media; and
2. (2) under which the person insured pays all or substantially all of the cost of the person's insurance.

Amended by Chapter 120, 2024 General Session