Which of the following describes a policyholder?

The accurate description of a policyholder is the individual or organization that is covered by an insurance policy. This role encompasses the rights and responsibilities associated with the insurance contract, such as paying premiums and filing claims when necessary. The policyholder is the entity that receives the benefits of the policy in the event of a covered loss. This designation is foundational in the context of insurance, as it clarifies who has a vested interest in the coverage provided by the insurer.

In contrast, the other options describe different roles within the insurance industry. A temporary claim representative is typically someone who may assist with claims processing but does not have the same vested interest in the policy as a policyholder. An adjuster serves the insurer by evaluating claims and determining the appropriate payout, acting in the insurer's interest rather than the policyholder's. Lastly, the agent selling the insurance policy facilitates the transaction but does not hold any claim to the benefits of the policy itself. Understanding these roles is essential when navigating insurance policies and claims.