ICC19 RL-STD-CERT-19 12 D12972 (11/25) If the Policyholder gives us information about you that is incorrect, we will do both of the following:  Use the facts to decide whether you are entitled to benefits or eligible for coverage under the Policy and in what amounts.  Make a fair adjustment of the Premium. MISSTATEMENT OF AGE If Premiums are based on your age and you have misstated your age, we will make a fair adjustment of benefits to reflect the amount of coverage that the Premium paid would have purchased at your true age. If the benefits applicable to you are based on age and you have misstated your age, we will make a fair adjustment of benefits based on your true age. We may require satisfactory proof of your age before paying any claim. AGENCY For purposes of the Policy, the Policyholder acts on its own behalf or as your agent. Under no circumstances will the Policyholder be deemed our agent. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This Certificate was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this Certificate 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. ENTIRE CONTRACT The entire contract consists of all of the following:  The Policy issued to the Policyholder including Part A and Part B.  This Certificate(s) which is (are) made part of Part B under the Policy.  Any endorsements, amendments and/or riders issued.  The Policyholder's Signed application, a copy of which is attached to the Policy when issued and  The Insured Person’s Signed Statement of Insurability form. CHANGES TO POLICY OR CERTIFICATE The terms and provisions of the Policy, Certificate or any rider, endorsement or amendment issued under it, may be changed at any time without the consent of Insured Persons or anyone else with a beneficial interest in the Policy. We will issue riders, endorsements or amendments to effect such changes, and only those forms Signed by one of our executive officers will be valid. Any rider, endorsement or amendment added to the Policy after the date of issue that eliminates or reduces benefits or rights under the Policy shall require signed acceptance by the Policyholder. We will only make changes consistent with the standards of the Interstate Insurance Product Regulation Commission. We will provide a copy of the rider, endorsement or amendment to the Policyholder for attachment to the Policy, and also for the Employees if the change affects the Certificate(s). Riders, endorsements and amendments are subject to prior approval by the Interstate Insurance Product Regulation Commission. A rider, endorsement or amendment will not affect the insurance provided under the Certificate(s) until the effective date of the change, unless retroactivity is required by the Interstate Insurance Product Regulation Commission. No agent, representative or employee of ours or of any other entity may change or waive the terms of the Policy, or of any Certificate, rider, endorsement or amendment issued under it, except in a Writing, Signed by one of our executive officers and endorsed or attached to the Policy. If there is a conflict between the terms of this Certificate or any attached rider, endorsement or amendment and the Policy, the Policy controls.