Which of the following is true about a certificate holder's rights?

A certificate holder typically has limited rights compared to the policyholder. In insurance contexts, a certificate holder is generally an individual or entity that receives a certificate of insurance from the policyholder, indicating that they are covered under the policy. However, this does not grant them the same level of rights or privileges that the policyholder possesses.

The policyholder has the authority to make changes to the policy, such as altering coverage limits or making endorsements, which the certificate holder cannot do. Additionally, while certificate holders may receive notifications regarding the policy, their rights regarding policy amendments, claims, or cancellations are not equivalent to those of the policyholder. This distinction is crucial for understanding the role of certificate holders in insurance relationships, highlighting that they may benefit from coverage but do not have direct control over the policy itself.