Questions: A person who is not named as an insured on the declarations page of a policy but is protected by the policy is known as the A. Policyowner. B. Named insured. C. First named insured. D. Additional insured.

The answer is D: Additional insured.

Explanation for each option:

A. Policyowner: This is the person or entity that owns the insurance policy. They have the rights and responsibilities under the policy, but this term does not specifically refer to someone who is protected by the policy without being named on the declarations page.

B. Named insured: This refers to the individual(s) or entity(ies) explicitly listed on the declarations page of the insurance policy. They are the primary individuals or entities covered by the policy.

C. First named insured: This is the first person or entity listed on the declarations page. They often have specific rights and responsibilities under the policy, such as receiving policy notices and handling policy changes, but they are named on the declarations page.

D. Additional insured: This is a person or entity that is not named on the declarations page but is covered by the policy. They are typically added to the policy through an endorsement and receive protection under the policy terms.

In summary, an "additional insured" is someone who is not named on the declarations page but is still protected by the policy, making option D the correct answer.