Alleged to be real or genuine. What appears to be such as a real estate agent's seeming authority to act on behalf of a principal. However, the agent may not in fact have real authority. In law, one dealing with the agent may reasonably rely on the apparent representations. Assume the principal...

In insurance, individual with rightful possession of an insurance policy, usually the policyowner....

Insurance policy that differs from the standard form....

Insurance company that restricts its underwriting of risks to one state....