RL-CI4-SPR2-20-IN 6 SPR-12969 (11/25) GRACE PERIOD Refer to the GRACE PERIOD provision in the Certificate if you are continuing coverage under the Certificate’s PORTABILITY provision. If your Spouse is continuing coverage under the PORTABILITY FOLLOWING DEATH OR DIVORCE provision, your Spouse has a grace period of 31 days for the payment of any premium due. During this grace period, your Spouse’s coverage will remain in force. If the full premium payment is not received by us by the due date, we will give Written notification to your Spouse that if the premium is not paid by the end of the grace period, then all coverage under this rider will terminate on the last day of the grace period. If we fail to give such Written notice, coverage will continue in effect until the date such notice is given. We may extend the grace period by giving Written notice of such intent to your Spouse, and such notice will specify that all coverage will terminate on that date if the premium remains unpaid. A pro rata premium payment is required for any period your Spouse’s coverage was in force during the grace period. CRITICAL ILLNESS BENEFITS We will pay the BENEFIT AMOUNT as shown on this rider’s SCHEDULE OF BENEFITS if your Spouse is diagnosed with a Critical Illness on or after your Spouse’s coverage effective date. The percentage of BENEFIT AMOUNT payable and any applicable maximum benefit amounts are listed for the Critical Illness on this rider’s SCHEDULE OF BENEFITS. The benefits for your Spouse are the same as the benefits for you as shown in the CRITICAL ILLNESS BENEFITS section of the Certificate. To be eligible for a benefit payment, the diagnosis must be a Different Diagnosis as defined in the DEFINITIONS section of the Certificate. A subsequent diagnosis of a Critical Illness that is for the same illness/condition as a Critical Illness for which benefits were payable under the Policy, may be eligible as a Different Diagnosis as defined. A Critical Illness that meets the definition of a Same Diagnosis is not eligible for benefits. Benefits are payable up to the total maximum benefit amount shown on this rider’s SCHEDULE OF BENEFITS for each Critical Illness. This includes multiple payments for Different Diagnoses. The total maximum benefit amount is the maximum amount payable for each Critical Illness in this rider during your Spouse’s lifetime. Any partial benefits paid will reduce the total maximum benefit amount for that Critical Illness. When the total maximum benefit amount for your Spouse has been paid for a Critical Illness, no further benefits are payable for that Critical Illness. When the total maximum benefit amount has been paid for all Critical Illnesses, no further benefits are payable and your Spouse’s coverage under this rider terminates. Payment of any benefits for your Spouse’s Critical Illness will not impact the available BENEFIT AMOUNT for your Critical Illness coverage. Payment of any benefits for your Critical Illness will not impact the available BENEFIT AMOUNT for your Spouse’s Critical Illness coverage as long as your coverage remains in force. CLAIMS NOTICE OF CLAIM Written notice of your claim should be given to us within 30 days after the date of loss (date of diagnosis). The notice may be given to us at our home office or to our authorized administrator. Failure to give notice within this timeframe will not invalidate or reduce any payable claim if it can be shown that it was not reasonably possible to give such notice within that time and the notice was given as soon as reasonably possible.