When is an individual NOT considered a consumer of a licensee?

An individual is not considered a consumer of a licensee when they are a beneficiary of an employee benefit plan. In this context, a consumer is typically defined as someone who engages in a transaction with a licensee to obtain a product or service, such as purchasing insurance.

When a person is a beneficiary of an employee benefit plan, they do not directly engage in a transaction with the licensee; instead, they are receiving benefits from a plan that has already been procured by their employer. Thus, while they may receive some benefits related to insurance, they are not the ones buying or negotiating insurance coverage, making them different from a consumer in this scenario.

In contrast, individuals providing feedback, inquiring about policies, or actively purchasing insurance are engaged in interactions that involve the acquisition or consideration of insurance products, which places them firmly in the consumer category.