RL-CI4-CERT2-20-IN 15 D12969 (11/25) TERMINATION OF COVERAGE Your coverage under the Policy ends on the earliest of the following dates:  The date the Policy terminates. See the PORTABILITY provision.  The date you are no longer in an eligible class. See the PORTABILITY provision.  The date your eligible class is no longer covered. See the PORTABILITY provision.  The date you voluntarily cancel your coverage.  The end of the period for which premiums are paid, if the next premium is not paid by its due date, subject to the GRACE PERIOD provision.  The last day you are in Active Employment. See the PORTABILITY provision.  The date the total maximum benefit amount has been paid for all Critical Illnesses. We will pay benefits for a loss that occurs while you are covered under the Policy even if the Policy has since terminated. POLICY TERMINATION The Policy can be terminated either by us or by the Policyholder. We may terminate the Policy for any of the following reasons:  There is less than 15% participation of those eligible persons who pay all or part of their premium for the Policy.  The Policyholder does not promptly provide us with information that is reasonably required.  Fewer than 25 persons are insured under the Policy.  The premium is not paid in accordance with the provisions of the Policy.  We determine that there is a significant change in the size, occupation or age of the eligible class(es) as a result of a corporate transaction such as a merger, divestiture, acquisition, sale or reorganization of the Policyholder and/or its persons.  We stop providing the type of coverage under this Policy to all groups in the Policy issue state. We reserve the right to review and terminate all classes covered under the Policy if any class(es) ceases to be covered. If the Policyholder fails to pay the full premium due by the end of the grace period, the Policy will terminate according to the GRACE PERIOD provision. If we terminate the Policy for reasons other than the Policyholder's failure to pay premiums, Written notice will be mailed to the Policyholder at least 60 days prior to the termination date. The Policyholder may terminate the Policy by Written notice delivered to us at our home office prior to the termination date. When both the Policyholder and we agree, the Policy can be terminated on an earlier date. If the Policyholder or we terminate the Policy, coverage will end at 12:00 midnight standard time at the Policyholder's address on the termination date. If the Policy is terminated, the termination will not affect a payable claim. PORTABILITY Portability means you have the option to continue your coverage after it would otherwise terminate if certain conditions are met. You must elect portability before you reach age 75. You may continue your coverage if it would otherwise terminate due to any of the following:  You retire or terminate employment with the Employer, if coverage remains in effect under the Policy for other Active Employees.  The Policyholder terminates coverage under the Policy for all Insured Persons, and does not replace it with similar insurance coverage.  You are no longer eligible for coverage under the Policy.