Who is authorized to request changes to the terms of an insurance policy?

The named insured is the individual or entity specifically listed on the insurance policy as the party covered under that policy. This person has the legal standing and authority to request changes to the terms of their insurance policy. Making alterations to an insurance policy—such as changing coverage limits, adding or removing riders, or adjusting the deductible—typically involves the named insured because they hold the contract with the insurer.

When considering other options, an insurance agent acts as a representative and can facilitate changes, but they do so on behalf of the named insured. Family members, while they may be involved in discussions regarding the policy, do not have the authority to make changes unless explicitly granted by the named insured. The insurance company itself does not initiate changes unless agreed upon by the named insured, as the policy terms are set forth in a contract that the insured must consent to modify. Therefore, the correct answer reflects the role of the named insured as the primary individual with the authority to request changes to the policy terms.