Final answer:
The Policyholder receives the policy certificate in a group policy situation. Distributive policies are those that provide benefits to a large number of citizens by allocating resources or services widely.
Step-by-step explanation:
In a group policy situation, the individual who receives the policy certificate is the Policyholder (option A). The policy certificate is a document that evidences the insurance coverage and outlines the terms and conditions of the policy. The policyholder is the entity that holds the group policy, typically an employer or an association, who provides the coverage to its members or employees.
Regarding which type of policy directly benefits the most citizens, a distributive policy (option b) is generally the type that extends benefits to a larger segment of the population. Distributive policies are designed to allocate resources or services broadly across a community, such as public education or basic infrastructure, and thus directly benefit a wide range of individuals.