Русско-англо-русский юридический словарь

wear and tear is the damage that happens to an object in ordinary use during a period of time: The insurer will reduce any payout to take into account wear and tear of the item. (Cambridge Business English Dictionary)

Endowment life insurance is a specialized insurance product that's often dressed up as a college savings plan. These policies couple term life insurance with a savings program. As the policyholder, you choose how much you want to save each month and when you want the policy to mature. Based on your monthly contributions, you're guaranteed a certain payout, called an endowment, when the policy matures. (Investopedia)

A stock dividend is a dividend payment made in the form of additional shares rather than a cash payout, also known as a "scrip dividend." Companies may decide to distribute this type of dividend to shareholders of record if the company's availability of liquid cash is in short supply. (Investopedia)

A payout is a sum of money paid to a policyholder when a claim is accepted. (Collins English Dictionary)