Now we are looking on the crossword clue for: Vodka brand, casually.
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Last seen on: USA Today Crossword – Sep 22 2019
Random information on the term “STOLI”:
A life settlement is the “legal” sale of an existing life insurance policy (typically of seniors) for more than its cash surrender value, but less than its net death benefit ( via Institutional investor)). There are a number of reasons that a policy owner may choose to sell his or her life insurance policy. The policy owner may no longer need or want his or her policy, he or she may wish to purchase a different kind of life insurance policy, or premium payments may no longer be affordable.
Viatical settlements are similar but not the same as life settlements. For a viatical settlement, a person who is selling his policy (viator) is terminally or chronically ill.
Although the secondary market for life insurance is relatively new, the market was more than 100 years in the making. The life settlement market would not have originated without a number of events, judicial rulings and key individuals.
The U.S. Supreme Court case of Grigsby v. Russell, 222 U.S. 149 (1911) established a life insurance policy as private property, which may be assigned at the will of the owner. Justice Oliver Wendell Holmes noted in his opinion that life insurance possessed all the ordinary characteristics of property, and therefore represented an asset that a policy owner may transfer without limitation. Wrote Holmes, “Life insurance has become in our days one of the best recognized forms of investment and self-compelled saving.” This opinion placed the ownership rights in a life insurance policy on the same legal footing as more traditional investment property, such as stocks and bonds. As with these other types of property, a life insurance policy could be transferred to another person at the discretion of the policy owner.