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A speaker gave a speech about the effects of second-hand smoke.As a result,three audience members chose not to smoke when in the company of nonsmoking friends.The speech would be best categorized as
Gratuitous Assignment
A transfer of rights or property without consideration or payment from the recipient.
Written Statement
A formal, documented expression of facts or opinions, which is signed and usually legally binding.
Creditor Beneficiary
A third party that benefits from a contract made between two other parties, primarily involving debt repayment.
Life Insurance Policy
A contract between an insurer and an insured, where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person.
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