An offer is made when a person shows a willingness to enter into a legally binding contract. An invitation to treat (I.T.T) is merely a supply of information to tempt a person into making an offer.
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Ownership Clause — in life insurance, the provision or endorsement that designates the owner of the policy when such owner is someone other than an insured—for example, a beneficiary. This clause vests ownership rights (e.g., the right to designate the beneficiary) to the specified person or entity.
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