Who is considered a "policyholder"?

A policyholder is defined as an individual or entity that owns an insurance policy. This ownership establishes a legal relationship between the policyholder and the insurance provider. The policyholder is responsible for making premium payments and has rights to the benefits outlined in the policy, including the ability to make claims and enforce the terms of the contract.

Understanding this definition clarifies why the other options do not fit the definition of a policyholder. For example, providing feedback on policies does not signify ownership or any formal agreement with the insurance provider. Similarly, a representative of the insurance company acts on behalf of the company rather than holding rights to any specific policy. Lastly, filing a claim indicates interaction with the policy but does not equate to ownership of the policy itself; someone could file a claim without being the actual policyholder. Thus, the core aspect of being a policyholder revolves around the ownership of the insurance policy, making the second choice the most accurate.