ICC18 LR14GP-SPR-2 5 SPR-12995 (11/25) SPOUSE CHANGE OF LEGAL RESIDENCE If your Spouse is insured under this rider and your Spouse changes their legal residence to outside the United States or its territories or possessions, then you should notify the Policyholder to cancel this rider. Coverage under this rider will terminate at the beginning of the period during which your Spouse is no longer eligible, and any unearned Premiums that were collected will be refunded. If your Spouse resumes legal residence in the United State or its territories or possessions, then Spouse coverage under this rider will become effective on the date your Spouse is again eligible for coverage. If your Spouse resumes legal residence in the United States or its territories or possessions, then you may re-enroll for Contributory Spouse coverage this rider subject to the following:  If you re-enroll for Contributory Spouse coverage within 2 months of the date your Spouse is again eligible for coverage, then the maximum amount of Contributory Spouse coverage available will be the lesser of the amount that was in effect on the day before coverage ended and the then current maximum amount of Contributory Spouse coverage available under this rider. Contributory Spouse coverage will become effective on the later of the following:  The date you re-enroll for Contributory Spouse coverage, if you are in Active Employment.  The date your Spouse is not hospitalized or confined at home under a doctor’s care.  The date your Spouse is not receiving or applying to receive disability benefits from any source.  The date you return to Active Employment, if you are not in Active Employment when your Contributory Spouse coverage would otherwise become effective. Exception: Contributory coverage starts on a non- working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  If you re-enroll for Contributory Spouse coverage more than 2 months after your Spouse is again eligible for coverage, then Evidence of Insurability on your Spouse will be required. If Evidence of Insurability is approved by us, Contributory Spouse coverage will become effective on the date specified by us. TERMINATION OF COVERAGE 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 your Spouse is no longer an eligible Spouse as defined by this rider.  The end of the period for which Premiums for this rider are paid if the next Premium is not paid by its due date, subject to the Policy grace period. We will pay benefits for a loss that occurs while your Spouse is insured under this rider. CONVERSION You may convert Spouse life insurance, without Evidence of Insurability, to an individual life insurance policy if Spouse life insurance under this rider stops for any reason other than nonpayment of Premium, your voluntary cancellation of this rider, your Spouse ceasing to be an eligible Spouse as defined, or your death. You may also convert any part of Spouse life insurance that reduces due to a BENEFIT REDUCTION as described on the SCHEDULE OF BENEFITS or 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 Spouse may convert Spouse life insurance, without Evidence of Insurability, to an individual life insurance policy if Spouse life insurance under this rider stops because your Spouse is no longer an eligible Spouse as defined, or because of your death. Only life insurance is eligible for conversion. The maximum amount of life insurance eligible for conversion cannot be greater than the amount of Spouse life insurance you had prior to termination. Conversion does not include any