Which of the following must an insurer notify policyholders about?

Insurers are required to notify policyholders about policy renewals because this is a critical aspect of maintaining the continuity of their coverage. Policy renewal notices provide essential information regarding the terms of the renewal, any changes in the premiums, benefits, or coverage conditions, and the time frame for renewal. This notification helps policyholders make informed decisions about their insurance coverage and ensures they are aware of their options as they approach the expiration of their current policy.

While changes in underwriting guidelines, the financial status of the insurer, and agent commission rates are important aspects of the insurance business, they do not require direct notifications to policyholders in the same manner that policy renewals do. For example, while financial status is significant for the overall stability of the insurer and can impact policyholder confidence, it is not typically communicated directly to policyholders as a requirement. Therefore, notification about policy renewals is crucial for ensuring that policyholders are not at risk of losing their coverage unexpectedly and can plan accordingly.