RL-HI2-CERT-20-IN 8 D12970 (11/25)  The end of the period for which you paid premiums, if you stop making a required premium contribution, subject to the grace period.  The end of the Policyholder's grace period, if the Policyholder does not remit premium to us by the end of such period.  The last day you are in Active Employment. We will provide coverage for a payable claim that occurs while you are covered under the Policy. 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 class(es) covered under the Policy if any class(es) cease(s) 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. To continue your coverage, you must apply for portability and pay the first premium within 31 days of the date your coverage 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 Insured Persons.  The Policyholder terminates coverage under the Policy for all Insured Persons, and does not replace it with a similar insurance plan.  You are no longer eligible for coverage under the Policy. You can decrease but not increase the ported coverage amount. Ported coverage is subject to all the terms of the Policy and this Certificate.