11. GENERAL PROVISIONS AGENCY Can the Policyholder, Employer, or third party administrator act as our agent? For all purposes of the Policy, the Policyholder, Employer or third party administrator acts on its own behalf or as your agent. Under no circumstances will the Policyholder, Employer or third party administrator be deemed our agent. ALTERATION Who can alter the Policy? The only persons with the authority to alter or modify the Policy or to waive any of its provisions are our president, actuary, secretary or one of our vice presidents and any such changes must be in Writing. ASSIGNMENT Can benefit payments be assigned? An Insured cannot assign any of the group accident insurance benefits. BENEFICIARY How can you change your Beneficiary? You can change your beneficiary at any time by giving us Written notice. The beneficiary’s consent is not required for this or any other change in this Certificate, unless the designation of the beneficiary is irrevocable. CLERICAL ERROR What happens when there is a clerical error in the administration of the Policy? Clerical errors in the administration of the Policy or delays in keeping records for the Policy whether by us, the Policyholder, or the Employer: · will not terminate insurance that would otherwise have been effective. · will not continue insurance that would otherwise have ceased or should not have been in effect. If appropriate, a fair adjustment of premium will be made to correct the error, subject to the "Limit of Premium Refunds" section. This provision does not apply to benefit administration errors by the Policyholder or the Employer which results in an Employee: · not enrolling for insurance within required time limits; · failing to request increased amounts of insurance within required time limits; or · failing to exercise any available Insurance Continuation or Portability options. CONFORMITY WITH STATUTES What is the effect of Conformity with Statutes? If any provision of the Policy conflicts with any applicable law, the provision will be automatically amended to meet the minimum requirements of the law, except as otherwise pre-empted by federal law. 16-AC-C-01 Page39