R2007-197 AUTHORIZING GROUP TERM LIFE INSURANCE COVERAGE

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DEPENDENT LIFE INSURANCE Nothing in this section will change or affect any of the terms of the Policy other than as specifically set out in this section. All the Policy provisions not in conflict with these provisions shall apply to this section. When an ►nsured Dependent dies, we will pay the applicable benefit shown on the Schedule of Benefits to the Insured. If the Insured is deceased, then the benefit will be paid to the Insured's beneficiary. Only dependents who meet the definition of Dependents can be insured for this benefit. A person may not have coverage both as an Insured and as a covered dependent. Only one eligible spouse may cover the eligible children as Insured Dependents. The spouse may be covered as a dependent if not covered as an Insured. EFFECTIVE DATE OF DEPENDENT INSURANCE If you pay the entire premium, the insurance for a Dependent will become effective on the later of: (1) the date the Insured becomes eligible for Dependent Life Insurance; or (2) the date the dependent meets the definition of Dependent. If you require an Insured to pay a portion of the dependent premium, he/she may insure his/her dependents by making written application. In this case, the insurance for Dependents will take effect on the later of: (1) the date the Insured becomes eligible for Dependent Life Insurance; or (2) the date the dependent meets the definition of Dependent, if application is made on or before that date; or (3) the date of application, if application is made within thirty-one (31) days from the date the dependent first becomes eligible for this insurance; or (4) the date we approve any required proof of good health. We require proof of good health if an Insured makes application for dependent insurance: (a) after thirty-one (31) days from the date the dependent first becomes eligible for this insurance; and (b) after a prior termination of insurance as long as the Insured remained in a class eligible for dependent insurance. After this insurance is in force for one dependent, application is not required for added dependents. For dependents who are confined in a hospital or at home on the date on which they would otherwise become insured, insurance will be effective as of the date the confinement ends. TERMINATION OF DEPENDENT LIFE INSURANCE The insurance for an Insured Dependent will terminate on the first of the following dates: (1) the date this Section terminates; or (2) the date the dependent is no longer a Dependent as defined; or (3) the end of the period for which premium has been paid by you or the Insured; or (4) the date the Insured's insurance terminates; or (5) the date the Insured retires. LRS-6422-36 Ed. 05/02 Page 13.0