A complainant is a person who submits a complaint, which includes:
- Policyholders or the policyholders’ successor in title;
- A beneficiary or the beneficiaries successor in title;
- A person whose life is insured under a policy;
- A person that pays a premium in respect of a policy;
- Member or;
- Potential policyholders or potential member whose dissatisfaction relates to the relevant application, approach, solicitation or advertising or marketing material.
Who has a direct interest in the agreement, policy or service to which the complaint relates, or a person acting on behalf of a person referred to in the list above.