service provider or paramedic, or rescue squad or ambulance crew member. (2) Health care professional The term health care professional means, with respect to the provision of health care items and services in a State, an individual who is licensed or otherwise legally authorized to provide such items and services in such State. (3) Insurer The term insurer means any entity, including any affiliate thereof, that is licensed or admitted to engage in the business of providing life insurance in any State. (4) Insured The term insured means any natural person who purchases, or attempts to purchase, life insurance. (5) Life insurance (A) In general The term life insurance means insurance for which the probabilities of the duration of human life or the rate of mortality are an element or condition of insurance. (B) Included insurance Such term includes the granting of— (i) endowment benefits