R2007-197 AUTHORIZING GROUP TERM LIFE INSURANCE COVERAGE

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EFFECT OF BENEFIT: If an Insured becomes eligible for, and elects to receive this benefit, it will have the following effects: (1) The Death Benefit payable for such Insured will be reduced by the amount equal to the Accelerated Benefit paid such Insured. Such reduced amount of insurance will be subject to all Policy provisions dealing with changes in the amount of insurance and reductions or termination for age or retirement. The amount of the Accelerated Benefit plus the corresponding Death Benefit will not exceed the amount that would have been paid as the Death Benefit in the absence of this Rider. (2) Any amount of insurance that would otherwise be continued under a Waiver of Premium provision will be reduced proportionately, as will the maximum Face Amount available under the Conversion Privilege. MISSTATEMENT OF AGE OR SEX: The Accelerated Benefit will be adjusted to reflect the amount of benefit that would ` have been purchased by the actual premium paid at the correct age and sex. TERMINATION OF AN INDIVIDUAL'S COVERAGE UNDER THIS RIDER: The coverage of any Insured under this Rider will terminate on the first of the following: (1) the date his coverage under the Policy terminates; (2) the date of payment of the Accelerated Benefit for his Terminal Illness; or (3) the date he attains age 75. ADDITIONAL PROVISIONS: This Rider takes effect on the Effective Date shown. It will terminate on the date the Group Policy terminates. It is subject to all the terms of the Group Policy not inconsistent herewith. In witness whereof, we have caused this Rider to be signed by our Secretary. -��n.v�n.cr Secretary LRS-8596-001-0200 IL Page 15.1