Participating Policy is a Life Insurance policy that offers a non-guaranteed cash element made of dividends which the insurance company shares with its policyholders. (allinsuranceinfo.org)
Along with the death benefit and cash elements, the insured has the option to participate in investment vehicles like stocks. (policyzip.com)
but that's still only one night and you'd still have to pay the cash element of the stay (which also comes with taxes). (travelingformiles.com)