Disability caused by a Pre-existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions.
When you lease a car, the vehicle is actually owned by the finance company, not you (a lease is a long-term rental). In a purchase scenario, you might hold a title with the finance company shown as a lienholder (but in many states, the lender holds the title and you just get the registration).
The person on the Certificate of Title must sign it over to the person in possession. If that is not possible then the title cannot be transferred legally and the person who is in possession of the car will not be able to register it or sell it.