GENERAL PROVISIONS INCONTESTABILITY Any statement made in the Policyholder's application will be deemed a representation, not a warranty. We cannot contest the validity of the Policy after it has been in force for two (2) years from the date of issue, except for non-payment of premium. All other Policy terms will remain applicable. Any statements made by you or any Insured Dependent, or on your behalf or any Insured Dependent's behalf to persuade us to provide coverage, will be deemed a representation, not a warranty. This provision limits our use of these statements in contesting the amount of insurance for which you are or any Insured Dependent is covered. The following rules apply to each statement: (1) No statement will be used in a contest unless: (a) it is in a written form signed by you or any insured Dependent, or on your behalf or any insured Dependent's behalf; and (b) a copy of such written instrument is or has been furnished to you or any insured Dependent, your or any insured Dependent's beneficiary or legal representative. (2) If the statement relates to your or any insured Dependent's insurability, it will not be used to contest the validity of insurance which has been in force, before the contest, for at least two (2) years during your or an insured Dependent's lifetime. ASSIGNMENT Ownership of any benefit provided under the Policy may be transferred by assignment. An irrevocable beneficiary must give written consent to assign this insurance. Written request for assignment must be made in duplicate at our Administrative Offices. Once recorded by us, an assignment will take effect on the date it was signed. We are not liable for any action we take before the assignment is recorded. LRS-6423-3 Ed. 04/16 Page 3.0