In this title the following words have the meanings indicated. “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. “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. “Credit life insurance” means insurance on the life of a debtor in connection with a specific loan or other credit transaction. “Creditor” means: 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; a successor to the right, title, or interest of the lender, vendor, or lessor; an affiliate, associate, subsidiary, director, officer, or employee of the lender, vendor, or lessor; or any other person in any way associated with the lender, vendor, or lessor. “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. “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. “Indebtedness” means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.