; or (B) results in depriving a senior citizen of rightful access to or use of benefits, resources, belongings, or assets; (8) the term insurance agency means any business entity that sells, solicits, or negotiates insurance coverage; (9) the term insurance company has the meaning given the term in section 2(a) of the Investment Company Act of 1940 ( 15 U.S.C. 80a–2(a) ); (10) the term insurance producer means an individual who is required under State law to be licensed in order to sell, solicit, or negotiate insurance coverage; (11) the term investment adviser has the meaning given the term in section 202(a) of the Investment Advisers Act of 1940 ( 15 U.S.C. 80b–2(a) ); (12) the term investment adviser representative means an individual who— (A) is employed by or associated with an investment adviser; and (B) does not perform solely clerical or ministerial acts; (13) the term registered representative means an individual who represents a broker-dealer in effecting or attempting to effect a purchase or sale of securities; (14) the term senior citizen means an individual who is not younger than 65 years of age; (15) the term State means each of the several States, the District of Columbia, and any territory or possession of the United States; (16) the term State insurance regulator has the meaning given the term in section 315 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6735 )