ICC18 LR14GP-PTS-2 4 PTS-12995 (11/25) will not adjust your or your Spouse’s Premium after coverage has been continued under this rider for two years during your or your Spouse’s lifetime. GRACE PERIOD FOR EMPLOYEE PORTABILITY You have a grace period of 31 days for the payment of any Premium due. During the grace period coverage will remain in force. If full Premium payment is not received by us by the due date, we will give written notification to you that if the Premium is not paid by the end of the grace period then all coverage will end on the last day of the grace period. If we fail to give such written notice, coverage will continue in effect until the date such notice is given. We may extend the grace period by giving written notice of such intent to you, and such notice will specify the date all coverage will terminate if the Premium remains unpaid. You are required to pay a pro rate Premium for any period coverage was in force during the grace period. Premium payment is required for any grace period, any extension of such period, and any period for which coverage was in effect and Premium was not paid. TERMINATION OF EMPLOYEE PORTABILITY Coverage continued under this provision will end on the earliest of the following:  The end of the period for which Premiums are paid if the next Premium is not paid by its due date, subject to the grace period.  The date you attain age 75.  The date you die.  The date we approve a claim under the Waiver of Premium Rider. You may apply for conversion of any life insurance amount(s) that terminate when portability under this rider ends, other than for nonpayment of Premium or at your death. Your surviving Spouse and Children may apply for conversion of any Spouse and Children’s life insurance amount(s) that terminate when you die. See the CONVERSION provision of the Certificate and riders. Any unearned Premiums paid for ported coverage will be refunded. PORTABILITY AT DEATH OR DIVORCE If you die, your Spouse can apply to continue coverage under the same Policy if certain conditions are met. Continued coverage following your death includes the following:  Spouse life insurance under the Spouse Life Insurance Rider  Children’s life insurance under the Children’s Life Insurance Rider  Spouse Supplemental AD&D insurance under the AD&D Rider, if Spouse Supplemental life insurance is also continued  Children’s Supplemental AD&D insurance under the AD&D Rider, if Children’s Supplemental life Insurance is also continued If you divorce, your Spouse can apply to continue coverage under the same Policy if certain conditions are met. Your Spouse’s continued coverage following divorce includes the following:  Spouse life insurance under the Spouse Life Insurance Rider  Spouse Supplemental AD&D insurance under the AD&D Rider, if Spouse Supplemental life insurance is also continued For purposes of this rider, “divorce” includes annulment. CONDITIONS FOR PORTABILITY AT DEATH OR DIVORCE All of the following conditions must be met:  Your Spouse must have been insured under your Spouse Life Insurance Rider on the date of your death or divorce.  Your Spouse must apply for portability before the date your Spouse attains age 75.  Your Spouse must apply for portability within 31 days of your death or divorce. Your Spouse will be given notice of portability and conversion rights when your Spouse’s life insurance ends due to death or divorce. Your Spouse’s portability rights will expire on the later of 16 days after your Spouse is given such notice or the end of the conversion period, but in no event will your Spouse’s portability rights extend beyond 60 days after the expiration of the conversion period.