The best replacement for insured is ensured.

The best alternatives to insured are rated as following:
★★★★★  ensured
★★★★  bonded
★★★  additional insured
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★★★  uninsured
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★★  assured
★★  fully insured
★★  loss payee
★  claimant
★  driver
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★  additional named insured
★  certificate holder
★  self funded
★  additional interest
★  policy owner
★  are people insured
  conventional uninsured
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Your alternative for insured is not listed? Suggest!
Speaking about insured, one probably shouldn't forget about waiver of subrogation.

Other search terms related to insured and their ratings are:
★★★★★ waiver of subrogation
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insured
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