Леван, этот вопрос уже обсуждается вот здесь http://www.proz.com/kudoz/russian_to_english/insurance/33236...

Мы решили назвать так: insurer - страховщик, policy-holder - страхователь, insured - застрахованное лицо.

Вот например:
Assured - застрахованное лицо (или застрахованный или страхователь) - another name for an insured. In the UK the assured is a person (or people) who has entered into a life assurance contract with a life office and is a policyholder. The policy on whose life the policy is taken out is known as the life assured. The assured and life assured are often the same person but not always. In the USA the expression insured is used. In life insurance, the insured is the person who has entered into contract and on whose life the policy is written. On the death of the insured, the face amount of the policy passes to the beneficiary. A party who is a potential beneficiary of an insurance contract. The synonym insured is more commonly used. The party who is entitled to receive money under an insurance contract on the happening of a stated contingency or event. The assured is also sometimes referred to as insured....

Ссылки даются на этом же сайте в разделе discussions


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Note added at 1 hr (2009-06-30 08:47:54 GMT)
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Policy-holder IS responsible for paying insurance premium. See this link http://encyclopedia.stateuniversity.com/pages/13505/life-ins... How Life Insurance works


Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured's death. In return, the policyowner (or policy payor) agrees to pay a stipulated amount called a premium at regular intervals.
Read more: http://encyclopedia.stateuniversity.com/pages/13505/life-ins...

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Note added at 1 hr (2009-06-30 08:49:08 GMT)
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Вот еще:

There are three parties in a life insurance transaction; the insurer, the insured, and the owner of the policy (policyholder), although the owner and the insured are often the same person. For example, if Qwanda buys a policy on his own life, he is both the owner and the insured. But if Wanda, his wife, buys a policy on Qwanda's life, she is the owner and he is the insured. The owner of the policy is called the grantee (he or she will be the person who will pay for the policy). The beneficiary is the person or persons who will receive the policy proceeds upon the death of the insured. The beneficiary is not a party to the policy, but is designated by the owner, who may change the beneficiary unless the policy has an irrevocable beneficiary designation. With an irrevocable beneficiary, that beneficiary must agree to changes in beneficiary, policy assignment, or borrowing of cash value.
Read more: http://encyclopedia.stateuniversity.com/pages/13505/life-ins...


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Note added at 1 hr (2009-06-30 08:50:36 GMT)
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Продолжение:

lifetime online insurance is a contract between the policy owner and the insurance firm, in which the latter agrees to disburse a sum of money when the insured party dies. As part of the deal, the policyowner (or grantee) agrees to remit a specified sum of money, referred to as an insurance premium, at regular intervals. There are three parties in a lifetime online insurance transaction; the insurer, the insured, and the owner of the policy (policy owner), though the owner and the insured are often the same individual. The owner of the policy is referred to as the policy payor. Another noteworthy person who participates (if only indirectly) in the transaction is the beneficiary. This is the party or parties who are to get the online life insurance proceeds upon the death of the insured. The named beneficiary isn`t a party to the insurance policy, but is chosen by the policyowner, who is entitled to alter the designated beneficiary, except when the insurance contract has an `irrevocable beneficiary` clause. With an irrevocable beneficiary, that individual will have to agree to changes in beneficiary policy assignment, or borrowing of cash value.