SURVIVOR BENEFIT - LUMP SUM We will pay a benefit to your Survivor when we receive proof that you died while: (1) you were receiving Monthly Benefits from us; and (2) you were Totally Disabled for at least one hundred and eighty (180) consecutive days. The benefit will be an amount equal to 3 times your last Monthly Benefit. The last Monthly Benefit is the benefit you were eligible to receive right before your death. It is not reduced by wages earned while in Rehabilitative Employment. A benefit payable to a minor may be paid to the minor’s legally appointed guardian. If there is no guardian, at our option, we may pay the benefit to an adult that has, in our opinion, assumed the custody and main support of the minor. We will not be liable for any payment we have made in good faith. "Survivor" means your spouse. If the spouse dies before you or if you were legally separated, then your natural, legally adopted or step-children, who are under age twenty-five (25) will be the Survivors. If there are no eligible Survivors, payment will be made to your estate, unless a beneficiary is on record with us under the Policy. LRS-6570-10 Ed. 1/00 Page 11.0