RL-CI4-WELL2-20-IN 2 WELL-12969 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then you are eligible under this rider on the latest of the following:  The Policy effective date.  The date coverage under this rider is available to the eligible class of Insured Persons to which you belong.  Your Critical Illness coverage effective date. Your Spouse is eligible for coverage under this rider on the later of the date above or the date your Spouse is eligible for coverage under the Spouse Critical Illness Rider. Your Children are eligible for coverage under this rider on the later of the date above or the date each Child is eligible for coverage under the Children’s Critical Illness Rider. EFFECTIVE DATE Each Covered Person will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date the Covered Person is eligible for coverage under this rider. TERMINATION Coverage under this rider will terminate on the earliest of the following:  The date your Critical Illness insurance terminates. See the PORTABILITY FOLLOWING DEATH OR DIVORCE provision below and in the riders if termination is due to death or regarding coverage previously continued by your Spouse.  The date coverage under this rider is terminated for all Active Employees under the Policy. See the PORTABILITY provisions below.  The date coverage under this rider is terminated for the eligible class of Active Employees to which you belong. See the PORTABILITY provisions below.  The date the Policy terminates and coverage for all Insured Persons under the Policy terminates.  For your Spouse’s coverage, the date your Spouse’s coverage under the Spouse Critical Illness Rider terminates.  For each Child’s coverage, the date your Child’s coverage under the Children’s Critical Illness Rider terminates. PORTABILITY If you continue your coverage under the Certificate's PORTABILITY provision, then coverage under this rider will also be continued during portability. Continued coverage under this provision is subject to all the terms of this rider. PORTABILITY FOLLOWING DEATH OR DIVORCE If you die or divorce and your Spouse continues coverage under the PORTABILITY FOLLOWING DEATH OR DIVORCE provision of the Spouse Critical Illness Rider, then coverage under this rider will also be continued under your Spouse’s coverage. Continued coverage under this provision is subject to all the terms of this rider. ASSIGNMENT At the time of claim under this rider, you can assign the payment of a benefit under this rider to a third party who is not the Policyholder. BENEFITS We will pay you a wellness benefit (shown on the SCHEDULE OF BENEFITS) if a Covered Person has a health screening test on or after the Covered Person’s coverage effective date. A benefit is payable up to a maximum of one time per Covered Person per calendar year. The amounts are shown on the SCHEDULE OF BENEFITS.