The phrase "average policyholder" refers to the typical person who has an insurance policy. It represents the typical characteristics, circumstances, and behavior of a person who buys insurance coverage. Full definition
According to The Auto Insurance Pricing Report for 2009, the average policyholder in New Jersey is paying $ 2,489.00 in New Jersey car insurance fees. (carinsurancequote.net)
Combining this with the fact that HNWIs typically have more complex risk and insurance needs than the average policyholder suggests it is important for insurers to understand how to meet the needs of HNWI Gen Y customers and modify their approach accordingly.» (jdpower.com)