Who generally holds rights under an insurance policy?

The policyholder typically holds all rights under an insurance policy. This includes the ability to make decisions about the coverage, such as renewing the policy, filing claims, and making changes to the terms of the policy. The policyholder is the one who enters into the contract for the insurance and is responsible for paying the premiums. They have the authority over the policy and can determine how it is utilized.

While certificate holders, insurers, and other parties may have certain rights or interests in the policy, such as the ability to receive notifications or benefits, it is the policyholder who retains the primary rights and responsibilities. This reinforces the understanding that the relationship between an insurer and a policyholder is central to how insurance contracts are structured and executed.