This chapter does not apply to
(1) an insurer authorized to transact business in this state with respect to premiums on policies that the insurer issues;
(2) a bank, trust company, savings association, or other financial institution subject to the other chapters of this title and authorized to transact business in this state that does not possess or acquire any right, title, or interest with respect to the insurance policy for which the premiums are financed other than in the proceeds of it in the event of loss;
(3) the inclusion of a charge for insurance in connection with an installment sale under AS 45.10; and
(4) persons licensed under AS 21.27 financing only their own accounts if they are in compliance with AS 21.36.490.
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