ICC19 RL-STD-CERT-19 11 D12972 (11/25)  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 15% change in the number of lives, or a significant change in the 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 at least 31 days prior to the termination date. The Policy will terminate on the later of the date stated in the Written notice or the date we receive the notice. 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 cancellation will not affect a Payable Claim. GRACE PERIOD The Policyholder has a grace period of 60 days for the payment of any Premium due except the first. During the grace period the Policy will remain in force. If full payment is not received by us by the end of the grace period, the Policy will automatically terminate at the end of the grace period. The Policyholder is required to pay a pro rata Premium for any period the Policy was in force during the grace period. There is no grace period if the Policyholder gives us advance Written notice of termination, or if we have given the Policyholder advance Written notice of termination as described under the POLICY TERMINATION provision. INCONTESTABILITY Any statement made by you is considered a representation and not a warranty. We will not use such statement to avoid insurance, reduce benefits or defend a claim unless the statement is included in a Written statement of insurability which has been Signed by you and a copy of such statement has been given to you or your personal representative. Except in the case of fraud, no statement made by you in a statement of insurability will be used to contest the insurance or an increase in insurance for which the statement was made after the coverage has been in force for two years during your lifetime. Fraud in the procurement of coverage under the Policy may be contestable when permitted by applicable law in the governing jurisdiction. The statement on which any contest is based must be material to the risk accepted or the hazard assumed by us. CLERICAL ERROR Clerical error or omission by us or by the Policyholder will not:  Prevent you from receiving benefits or coverage, if you are entitled to benefits or coverage under the terms of the Policy.  Cause benefits or coverage to begin or continue for you when the benefits or coverage would not otherwise be due or effective.