With respect to increases in the Amount of Insurance, you must be Actively At Work on the date of the change. If you are not Actively At Work when the change should take effect, the change will take effect on the day after you have been Actively At Work in an Eligible Class for one full day. However, if you have the right to choose your amount of Supplemental insurance, proof of good health will be required when you change your selection to increase the amount of your Supplemental insurance. Such proof must be approved by us for the increase to take effect. Premium changes due to your age will occur on the January 1st coinciding with or next following the birthday that causes you to enter the next age bracket. If an increase in, or initial application for, the Amount of Insurance is due to a life event change (such as marriage, birth or specific changes in employment status), proof of good health will not be required for amounts up to the guaranteed issue amount, provided you: (a) apply within thirty-one (31) days of such life event; and (b) were not previously declined for group life insurance coverage with us; and (c) did not have a prior application withdrawn or marked incomplete for any reason. CONTRIBUTIONS: You are not required to contribute toward the cost of the Basic Insurance. You are required to contribute toward the cost of the Supplemental Insurance. It is applicable to you only if you elected Supplemental coverage and are paying the applicable premium. You are required to contribute toward the cost of Dependent Life Insurance. LRS-6423-1 Ed. 04/16 Page 1.1