N.J. Admin. Code § 11:2-19.2
The following words and terms, as used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise:
"Commissioner" means the Commissioner of the Department of Banking and Insurance.
"Insurer" means those entities defined at N.J.S.A. 17:29C-1.1.
"Lapse" means default in premium or any other required payment, and the termination of insurance for any reason, including, but not limited to, nonpayment of premium, excessive debt, and expiration of policy term.
"Personal lines insurance" means insurance policies issued for personal, family or household purposes, and includes:
1. Under property/casualty coverage:
i. The policies set forth at N.J.A.C. 11:13-1.2(a)2 i; and
ii. Policies principally used to provide primary insurance on private passenger automobiles that are individually owned or leased for over six months and used for personal or family needs; and
2. Under life and health coverage:
i. All individual life, health and credit insurance policies;
ii. Annuity contracts;
iii. Health maintenance organization contracts;
iv. Medicare + Choice plans as defined at N.J.A.C. 11:4-23.3; and
v. Any group policies of life, health or credit insurance, group annuity contracts and group health maintenance organization contracts where the individual insured pays premiums directly to the insurer.
"Policy of personal lines insurance" means any policy or contract of insurance issued or issued for delivery in this State for personal, family or household purposes, as defined in this subchapter, by an insurer on a risk located or resident in this State for which the premiums are paid directly to the insurer by the senior citizen insured.
"Senior citizen insured" means any named insured, or certificate holder, or, with respect to life insurance, the owner of the policy or certificate, if other than the insured, pursuant to a policy of personal lines insurance who is an individual and is at least 62 years of age.
N.J. Admin. Code § 11:2-19.2