The Court of Justice of the European Union ("ECJ") analysed in the context of a request for a preliminary ruling whether the regulatory concept of "insurance intermediary" and "distributor of insurance products" would cover a legal person whose activity consists of offering its customers membership on a voluntary basis, in return for a payment made by such customers, of a group insurance policy (of which it was the policyholder), where that membership entitles those customers to insurance benefits in the event, in particular, of sickness or accident abroad.