| http://www.w3.org/ns/prov#value | - from a consumer for an insurance product or service.(18) Licensee means all licensed insurers, health care service contractors, HMO's, and fraternal benefit societies, producers and other persons licensed or required to be licensed, or authorized or required to be authorized, or registered or required to be registered pursuant to the insurance law of this state.(a) A licensee is not subject to t
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