ICC19 RL-STD-WOP-19 2 WOP-12972 (11/25) CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider which, on the provision’s effective date, conflicts with Interstate Insurance Product Regulation Commission standards for this product type, is automatically amended to conform to the Interstate Insurance Product Regulation Commission standards for this product type as of the provision’s effective date. WAIVER OF PREMIUM BENEFIT If you become Disabled while covered under this rider and meet the other conditions below, we will waive Premiums otherwise due under the Policy, Certificate and riders. Your disability income insurance will continue during your Disability, according to the terms of this rider. When we waive Premiums, the amount of continued disability income insurance equals the amount that would have been provided if you had not become Disabled. That amount will reduce or stop according to the Certificate and riders in effect on the date Disability began. Premiums that are waived are not deducted from any disability benefits that may become payable. There is no limit to the number of times you are eligible for the Waiver of Premium benefit. Continued insurance is subject to all other terms of the Policy. CONDITIONS FOR WAIVER OF PREMIUM All of the following conditions must be met in order to waive Premiums:  You are covered under this rider on the date your Disability begins.  You are continuously Disabled for the entire Elimination Period and up to the date we approve your claim for Waiver of Premium. Premiums due for disability income insurance and this rider are subject to the provisions of any continuation riders.  You meet the notice of claim and proof of claim requirement as described in the Claims section of the Certificate. EFFECTIVE DATE OF WAIVER OF PREMIUM When we approve your claim, Premiums are waived as of the date after the Elimination Period ends. We will refund any Premiums we received after that date to the Policyholder or to you, as appropriate. We will notify you in writing when your claim is approved. We will notify you if we deny your claim. TERMINATION OF WAIVER OF PREMIUM We will stop waiving Premiums on the earliest of the following dates:  The date you are no longer Disabled.  The date you do not provide to us proof of continuing Disability as requested.  The end of the Maximum Period of Payment as shown in the SCHEDULE OF BENEFITS.  The date you die. If Premiums are no longer waived, insurance under the Policy will stay in force only if all of the following conditions are met:  Disability income insurance is in force for Active Employees under the Policy, and  You are in an eligible class for coverage under the Policy, and  Your premium payments are resumed. The amount of insurance will be subject to the Certificate and riders in effect on the date your premium payments are resumed.