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Life & Health · Chapter 3 · Contract Law

STOLI / IOLI

Definition
Stranger/Investor-Originated Life Insurance — a policy initiated by someone with no insurable interest, as a wager on a life. Lacks legal purpose → void / prohibited.
Exam tip
An investor always initiates an IOLI.
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10