This article shall apply to all kinds of direct insurance except the following:
Life, annuity, health or disability insurance;
Mortgage guaranty, financial guaranty or other forms of insurance offering protection against insolvent risks;
Fidelity or surety bonds, or any other bonding obligations;
Credit insurance;
Insurance of warranties or service contracts;
Title insurance;
Ocean marine insurance;
Any transaction or combination of transactions between a person (including affiliates of such person) and an insurer (including affiliates of such insurer) which involves the transfer of investment or credit risk unaccompanied by transfer of insurance risk; and
Any insurance provided by or guaranteed by government.