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).
In short, the lien holder is the person who owns control of the loan (and actually the vehicle) until you pay it off or it gets repo'd and sold. If the question is who is a lien holder with a financed auto then the answer is usually: the party who loaned the debtor the money, that is, the bank or lender. For example, if you financed a Hootieville ZX through Holeinwall Bank, then the good people at Holeinwall are the lien holders on your financed vehicle.