ICC18 LC14GP-2 9 D12995 (11/25) EFFECTIVE DATE OF CHANGES TO COVERAGE Once your coverage begins, any increased or additional Contributory coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment on the date the increased or additional coverage would otherwise start.  The date we approve your Evidence of Insurability, if Evidence of Insurability is required. Any decrease in coverage other than benefit reductions noted on the SCHEDULE OF BENEFITS will take effect immediately but will not affect a payable claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS We will provide continuity of coverage under our Policy if both of the following are true:  You are not in Active Employment due to sickness or injury or due to an Employer-approved non-medical leave of absence on the date the Employer changes insurance carriers to our Policy.  You were covered under the prior group life policy, including payment of premiums to the prior insurance carrier when due, on the day before the coverage for your eligible class under our Policy became effective. You are not eligible under this provision if any of the following are true:  Your coverage is being continued under a waiver of premium (or any similar) provision of the prior policy.  Your coverage is being continued under a continuation or portability provision of the prior policy.  You converted your coverage with the prior insurance carrier.  You are not in Active Employment due to reasons other than sickness, injury or an Employer-approved non- medical leave of absence. If you are eligible for continuity of coverage under this provision, we will provide limited coverage under our Policy. Coverage under this provision will begin on the date your eligible class is covered under our Policy and will continue until the earliest of the following:  The date you return to Active Employment.  The date the Employer-approved leave of absence ends.  The date your continuation would end under the terms of our Policy.  The date your continuation would have ended under the terms of the prior policy.  The date coverage would otherwise end, according to the provisions of our Policy.  12 months following the date you were last in Active Employment. Your coverage under this provision is subject to payment of Premiums. Any benefits payable under this provision will be the lesser of the amount of coverage under the prior policy had it remained in force, or the amount you are eligible for under our Policy. We will reduce our payment by any amount paid under the prior policy. If your coverage under this provision ends while the Policy is in force, and you are not otherwise eligible for insurance under the Policy, then you will be eligible for conversion as described in the CONVERSION provision. If you were not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply.