Maryland Insurance Section 13-101

      (a)      In this title the following words have the meanings indicated.

      (b)      "Credit health insurance" means insurance on a debtor that provides indemnity for payments that are due on a specific loan or other credit transaction while the debtor is disabled as defined by the policy.

      (c)      "Credit involuntary unemployment benefit insurance" means insurance on a debtor that provides indemnity for payments that are due on a specific loan or other credit transaction while the debtor is involuntarily unemployed as defined by the policy.

      (d)      "Credit life insurance" means insurance on the life of a debtor in connection with a specific loan or other credit transaction.

      (e)      "Creditor" means:

            (1)      a lender of money or vendor or lessor of goods, services, or property rights or privileges for which payment is arranged through a credit transaction;

            (2)      a successor to the right, title, or interest of the lender, vendor, or lessor;

            (3)      an affiliate, associate, subsidiary, director, officer, or employee of the lender, vendor, or lessor; or

            (4)      any other person in any way associated with the lender, vendor, or lessor.

      (f)      (1)      "Debtor" means a borrower of money or purchaser or lessee of goods, services, or property rights or privileges for which payment is arranged through a credit transaction.

            (2)      "Debtor" includes the husband or wife or both, as specified in the certificate of insurance, if the husband and wife are jointly liable under a contract of indebtedness.

      (g)      "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.