What document must an insurer provide to a policyholder regarding changes in coverage?

When an insurer makes changes to the coverage within a policy, it is essential to provide the policyholder with a policy endorsement. A policy endorsement is an official document that modifies the original contract, updating or changing the terms of the insurance coverage. This can include changes in coverage limits, exclusions, or any other critical aspects of the policy that may affect the holder's benefits and rights.

Providing a policy endorsement is crucial for transparency, as it ensures that the policyholder is aware of the changes made to their existing policy and how those changes will impact their coverage. This practice aligns with legal requirements to keep policyholders informed and helps maintain trust in the insurer-policyholder relationship.

Other options do relate to different aspects of insurance but do not specifically address changes in coverage. A policy summary primarily outlines the key features of a policy but does not serve as notification for changes. A claim form is used to request benefits under the policy and is not related to communication about changes to coverage. Meanwhile, a notice of non-renewal informs the policyholder that the insurer will not renew the policy but does not pertain to changes in the current coverage.