A policyholder is an individual or entity that holds an insurance policy with an insurance company. The policyholder is the person or organization that purchases the insurance coverage and pays the insurance premiums in exchange for protection against specified risks or events.

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As a policyholder, the individual or entity is entitled to the benefits provided by the insurance policy, subject to the terms and conditions of the policy. This can include coverage for losses or damages resulting from a variety of risks, such as accidents, natural disasters, theft, or liability claims.

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The policyholder is responsible for ensuring that the insurance policy is up to date and that premiums are paid on time to maintain coverage. In the event that a claim needs to be made, the policyholder is responsible for reporting the claim to the insurance company and providing any necessary documentation to support the claim.

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Overall, the policyholder is the individual or entity that enters into a contractual agreement with an insurance company to purchase insurance coverage and is entitled to the benefits provided by the policy, subject to the terms and conditions of the agreement.