the individual or firm in whose name an insurance policy is written; an insured.

1850–55, Americanism; policy2 + holder

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World English Dictionary
policyholder (ˈpɒlɪsɪˌhəʊldə)
a person or organization in whose name an insurance policy is registered

Collins English Dictionary - Complete & Unabridged 10th Edition
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Example sentences
For instance, insurers could no longer charge more if a policyholder has a
  pre-existing condition.
The policy outlines the duties, obligations, and responsibilities of both the
  policyholder and the insurance company.
Auto policies contain a variety of coverages that can be purchased depending
  upon the needs and wants of the policyholder.
The policyholder must include the address of the dependent if different from
  the policyholder.
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