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-In life insurance, the owner must have an insurable interest at the time of application (ex. spouse, parent, child, someone with a business relationship with the insured such as partner or employer), insurable interest is not required at the time of the insured's death Stranger/Investor-Owned Life Insurance (STOLI)/(IOLI) - ANSWER--In a stranger originated life insurance a third party is involved who has no relation with the policy owner and initiates the purchase of the policy by paying th...