ICC18 LR14GP-CHR-2 5 CHR-12995 (11/25) TERMINATION OF COVERAGE Coverage for each Child ends on the earliest of the following:  The date this rider terminates.  The date the Child is no longer an eligible Child as defined by this rider. Eligibility of a Child who is incapable of self-sustaining employment due to physical or intellectual disability ends when there is no longer evidence satisfactory to us that the incapacity is continuing. This rider terminates on the earliest of the following:  The date your life insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong.  The date you voluntarily cancel this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date you no longer have an eligible Child as defined by this rider.  The end of the period for which Premiums are paid if the next Premium is not paid by its due date, subject to the Policy’s grace period. If coverage for your Children ends and this rider terminates because you no longer have an eligible Child as defined by this rider, then you should notify the Policyholder to cancel this rider. We will pay benefits for a loss that occurs while your Child is insured under this rider. CONVERSION You may convert Children’s life insurance, without Evidence of Insurability, to an individual life insurance policy if a Child’s life insurance under this rider stops for any reason other than nonpayment of Premium, your voluntary cancellation of this rider, your Child reaching the termination age under this rider, or your death. You may also convert any part of Children’s life insurance that reduces due to your change from one eligible class to another or a Policy change. If you have made an absolute assignment of insurance, only the current owner may apply for conversion under this paragraph. Your Child may convert Children’s life insurance, without Evidence of Insurability, to an individual life insurance policy if that Child’s life insurance under this rider stops because your Child reaches the termination age under this rider, or because of your death. If a Child is too young to contract for life insurance after your death, then a parent or a court- appointed guardian of the Child may apply for conversion of that Child’s coverage. Only life insurance is eligible for conversion. Conversion does not include any additional benefits such as accelerated death benefits, accidental death and dismemberment benefits, or waiver of premium benefits. Any amounts of coverage for which your Child remains eligible under the Policy are not eligible for conversion. To convert Children’s life insurance, application must be made and the first premium paid to us within 31 days of the date any part of a Child’s life insurance under this rider terminates (the “conversion period”). You will be given Written notice, in person or at your last known address, of your conversion right at least 15 days before the date any part of Children’s life insurance ends. Your right to convert will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your right to convert extend beyond 60 days after the expiration of the conversion period. Any extension of time allowed for returning the completed application and first premium will not change the length of the conversion period itself. Application for conversion may be for the entire amount of Children’s life insurance that is terminating under this rider, or a lesser amount. The maximum amount of Children’s life insurance coverage eligible for conversion will be reduced by any amount of Children’s life insurance for which you become eligible under any group policy within 31 days after the beginning of the conversion period. Premiums for the conversion policy will be based on our rates then in use, the form and amount of insurance, your Child’s class of risk, and your Child’s attained age at the beginning of the conversion period. The conversion policy may be any individual life insurance policy then customarily offered by us for conversion, other than term insurance. The conversion policy will not include any additional benefits. When we accept the application and first premium, the conversion policy will become effective on the 32nd day after the date the life insurance under the Policy terminated.