RL-CI4-SPR2-20-IN 5 SPR-12969 (11/25) Any decrease in coverage will take effect immediately but will not affect a payable claim that occurs prior to the decrease. TERMINATION Coverage for your Spouse under this rider terminates on the earliest of the following:  The date your Critical Illness insurance terminates. See the PORTABILITY FOLLOWING DEATH OR DIVORCE provision below if termination is due to death or regarding Spouse 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 regarding Spouse coverage previously continued by you or your Spouse.  The date coverage under this rider is terminated for the eligible class of Active Employees to which you belong. See the PORTABILITY provisions below regarding Spouse coverage previously continued by you or your Spouse.  The date the Policy terminates and coverage for all Insured Persons under the Policy terminates.  The date you voluntarily cancel coverage under this rider.  The date your Spouse is no longer an eligible Spouse as defined by this rider. See the PORTABILITY FOLLOWING DEATH OR DIVORCE provision below.  The end of the period for which premiums for this rider are paid, if the next premium is not paid by its due date, subject to the GRACE PERIOD provision. We will pay benefits for a loss that occurs while your Spouse is insured under this rider even if the rider has since terminated. PORTABILITY If you continue your coverage under the Certificate’s PORTABILITY provision, then your Spouse’s coverage under this rider may also be continued at the same time. Continued premium payment is required to keep your Spouse’s coverage under this rider in force. You may not increase the continued Spouse coverage amount. Continued Spouse coverage under this provision is subject to all the terms of this rider. PORTABILITY FOLLOWING DEATH OR DIVORCE If you die or divorce, your Spouse may elect to continue Spouse coverage under this rider if certain conditions are met. Your Spouse must have been insured under this rider on the date of your death or divorce, your Spouse must be under age 75 and your Spouse must elect portability and pay the first premium within 31 days of the date of your death or divorce. If your Spouse continues coverage under this provision, your Spouse will become the owner of their Spouse coverage under this rider. Your Spouse may decrease the continued Spouse coverage amount based on the amounts available on this rider’s SCHEDULE OF BENEFITS. Your Spouse may not increase the continued Spouse coverage amount. Coverage continued under this provision is subject to all the terms of this rider. Premiums will be billed directly to your Spouse. Continued premium payment is required to keep coverage in force. The initial premium will be based on the portability premium rates in effect at the time your Spouse elects portability. We may change the portability premium rates at any time upon 60 days Written notice to your Spouse. Coverage continued under this provision will end on the earliest of the following:  The end of the period for which premiums for this rider are paid if the next premium is not paid by its due date, subject to the GRACE PERIOD provision.  The date your Spouse voluntarily cancels coverage under this rider.  The date your Spouse dies.  The date the Policy terminates and coverage for all Insured Persons under the Policy terminates, upon 60 days Written notice of termination.