Florida residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida. TABLE OF CONTENTS Section Page Cover Page...................................................................................................................................... 1 Table of Contents............................................................................................................................. 2 Schedule of Benefits......................................................................................................................... 3 Definitions........................................................................................................................................ 5 General Provisions........................................................................................................................... 7 Benefits............................................................................................................................................ 11 Exclusions........................................................................................................................................ 12 Claims.............................................................................................................................................. 13 RL-HI2-CERT-20-IN 2 D12970 (11/25)