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TABLE OF CONTENTS <br /> Pa e <br /> 9 <br /> SCHEDULEOF BENEFITS ........................................................................................................................................ 1.0 <br /> DEFINITIONS ............................................................................................................................................................ 2.0 <br /> GENERALPROVISIONS ........................................................................................................................................... 3.0 <br /> Entire Contract <br /> Changes <br /> Incontestability <br /> Records Maintained <br /> Clerical Error <br /> - Misstatement of Age <br /> Assignment <br /> Conformity With State Laws <br /> Certificate of Insurance <br /> Policy Termination <br /> INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION .......................................................................... 4.0 <br /> General Group <br /> Eligible Classes <br /> Effective Date of Individual Insurance <br /> Termination of Individual Insurance <br /> Continuation of Individual Insurance <br /> CONVERSIONPRIVILEGE ........................................................................................................................................ 5.0 <br /> PREMIUMS ............................................................................................................................................................... 6.0 <br /> Premium Payment <br /> Premium Rate <br /> Grace Period <br /> BENEFICIARY AND FACILITY OF PAYMENT ........................................................................................................... 7.0 <br /> SETTLEMENTOPTIONS ........................................................................................................................................... 8.0 <br /> WAIVER OF PREMIUM IN EVENT OF TOTAL DISABILITY ....................................................................................... 9.0 <br /> ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE ................................................................................ 10.0 � <br /> - SEAT BELT AND AIR BAG BENEFIT ...................................................................................................................... 11.0 <br /> - CLAIMS PROVISIONS ............................................................................................................................................. 12.0 <br /> DEPENDENTLIFE INSURANCE ............................................................................................................................. 13.0 <br /> FAMILY AND MEDICAL LEAVE OF ABSENCE EXTENSION .................................................................................. 14.0 <br /> MILITARY SERVICES LEAVE OF ABSENCE COVERAGE ..................................................................................... 14.1 <br /> GROUP TERM LIFE INSURANCE ACCELERATED BENEFIT RIDER ..................................................................... 15.0 <br /> LRS-6422-1 Ed. 3/82 <br />