KRS 304.9-040: "Consultant" defined.

(1) A "consultant" is a person, who as an independent contractor in relation to a client,

for fee or compensation other than from an insurer, in any manner advises or

purports to advise, any person actually or prospectively insured, or named or to be

named as beneficiary, or having or to have any interest in or insured under, an

insurance contract or annuity contract, existing or proposed, relative to coverage,

advisability, rights, or interests under such contract, or relative to the retention,

exchange, surre nder, or exercise of rights thereunder. This subsection shall not

apply as to an attorney while acting under a license to practice law in this state.

(2) A "property and casualty consultant" is a person licensed as a consultant as to

property insurance con tracts, casualty insurance contracts, health insurance

contracts issued by property or casualty insurers, and surety contracts.

(3) A "life and health consultant" is a person licensed as a consultant as to life

insurance contracts, annuity contracts, and health insurance contracts.