| http://www.w3.org/ns/prov#value | - f policy inception, could not lawfully initiate the policy and where, at the time of inception, there is an arrangement or agreement, whether verbal or written, to directly or indirectly transfer the ownership of the policy or the policy benefits to a third party; provided further, that trusts that are created to give the appearance of insurable interest and that are used to initiate policies for
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