Except as provided by Section 4054.053, an agent is required to hold a limited life, accident, and health license if the agent writes:
(1) a policy or rider to a policy that provides only:
(A) lump-sum cash benefits in the event of accidental death or dismemberment; or
(B) ambulance expense benefits in the event of accident or sickness;
(2) a prepaid legal services contract under Article 5.13-1 or Chapter 961;
(3) credit insurance, except as otherwise provided by Chapter 4055; or
(4) any other kind of insurance, if holding a limited life, accident, and health license to write that kind of insurance is determined necessary by the commissioner for the protection of the insurance consumers of this state.