Under which circumstance is an individual NOT classified as a consumer of a licensee?

An individual is not classified as a consumer of a licensee when they are a participant in an employee benefit plan because, in this context, the individual is involved in a program that offers various benefits, including insurance, typically provided through their employer. In these situations, the employer is the entity that engages with the insurance licensee, often negotiating terms and selecting coverage options. Consequently, the employee does not directly interact with the licensee as a consumer would when purchasing insurance for personal needs or when seeking information tailored to their own situation. Thus, being a participant in an employee benefit plan does not fit the model of typical consumer behavior associated with insurance products.