When does a consumer NOT have a continuing relationship with a licensee?

A consumer does not have a continuing relationship with a licensee when they have purchased travel insurance solely. This is because travel insurance typically provides coverage for a specific trip and is often treated as a one-time transaction rather than an ongoing service. Once the trip is completed, the relationship may end, as there is no further service or ongoing coverage involved.

In contrast, being a long-term policyholder implies that there is an ongoing relationship due to the nature of maintaining policies and receiving services related to those policies. Active claimants are also engaged with the licensee to resolve claims, indicating a continued interaction. Additionally, having multiple policies suggests an ongoing commitment and engagement with the licensee for the management of those policies. Thus, the unique nature of travel insurance as a one-time purchase sets it apart from these other scenarios, clarifying why the relationship necessarily ends after the transaction is complete.