ACCELERATED BENEFIT RIDER DISCLOSURE FOR RIDER LRS-8596-001-0690 F The Accelerated Benefit option is an advance payment of life insurance proceeds under our group term life insurance program. This option allows the Insured to access the face amount of his insurance coverage prior to death if he is diagnosed as having less than 12 months to live. There are no restrictions placed on how the proceeds may be used. ELIGIBILITY: The Insured is eligible to exercise the Accelerated Benefit option if, after having been covered under the Rider for at least thirty (30) days (this elimination period does not apply with respect to a condition resulting from an accident), he is diagnosed as having a medical condition which will result in a drastically limited life-span and his doctor certifies that death will occur within 12 months. We reserve the right to investigate further to verify eligibility. THE BENEFIT: The Accelerated Benefit Rider pays 75% of the death benefit, to a maximum of $500,000, in a single lump sum or in installment payments or in installment payments mutually agreed to by us and the Insured. The portion of the death benefit which is not accelerated is payable to the Insured’s beneficiary at his death. There is no additional premium charge for the Accelerated Benefit Rider. There is no reduction in the premium for the group term life insurance coverage if benefits become payable under the Rider. If the group Policy and/or the Insured’s life insurance benefits under the Group Policy terminate, all of the Insured’s rights under the Accelerated Benefit Rider also terminate. EFFECT OF BENEFIT: Receipt of the Accelerated Benefit may be taxable. Therefore, it is recommended that the Insured consult his personal tax advisor for clarification of the current tax law with respect to accelerated death benefits. LRS-8596-004-0690 Page 18.0