RL-HI2-SPR-18-IN 2 SPR-12970 (11/25) EFFECTIVE DATE Your Spouse will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date your Spouse is eligible for coverage, if you apply for Spouse coverage on or before that date.  The first day of the month following the date you apply for Spouse coverage.  The first day of the month following the date you return to Active Employment, if you are not in Active Employment when your Spouse’s coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non- working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Spouse’s coverage begins, any increased or additional coverage due to an increase in the Employee coverage amount will take effect on the same date as the Employee coverage increase. Any decrease in coverage due to a decrease in the Employee coverage amount will take effect on the same date as the Employee coverage decrease, but will not affect a payable claim that occurs prior to the decrease. TERMINATION This rider terminates on the earliest of the following:  The date your Certificate terminates.  The date this rider is terminated for all Insured Persons under the Policy.  The date you voluntarily cancel 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 are paid, if the next required premium contribution is not paid, subject to the grace period. PORTABILITY If you are approved by us to continue your coverage under the Certificate’s PORTABILITY provision, then this rider can also be continued during portability. PORTABILITY FOLLOWING DEATH OR DIVORCE If you die or divorce, your Spouse can apply to continue Spouse coverage 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 apply for portability and pay the first premium within 31 days of the date of your death or divorce. If your Spouse is approved by us for portability, your Spouse will become the owner of the Spouse coverage that was previously provided under this rider. Your Spouse can decrease but not increase the ported coverage amount. Ported coverage is subject to all the terms of the Policy and Certificate. 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 applies for 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 your Spouse paid premiums, if your Spouse stops making a required premium contribution, subject to the grace period.  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.