A stand-up individual is someone who is independent and self-reliant. The term can also be used to describe a person who is willing to take responsibility for their actions and decisions. In the context of a crossword puzzle, the term 'stand-up individual' could refer to a COMIC, which is a five-letter word. A COMIC is an entertainer who performs humorous material in front of an audience. Stand-up comedy is a popular form of entertainment that has been around since the early 20th century.