ICC18 LR14GP-CTD-2 2 CTD-12995 (11/25) CHANGE OF INSURANCE CARRIERS The CHANGE OF INSURANCE CARRIERS provision in the Certificate is revised to include an Employee whose coverage was being continued under a similar total disability continuation provision of the Employer’s prior policy on the date the Employer changes insurance carriers to our Policy. TERMINATION OF RIDER This rider terminates on the date your life insurance terminates. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATION COMMISSION STANDARDS This rider was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission standards. Any provision of this rider 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. TOTAL DISABILITY CONTINUATION If life insurance for a Covered Person would otherwise end because you are no longer in Active Employment due to Total Disability, and your continuation of insurance under any other rider has ended, then life insurance coverage for all Covered Persons may be continued under the Policy for a limited period of time. During this continued coverage period, the amount of continued life insurance equals the amount that would have been provided if you had not become Totally Disabled. That amount will reduce or stop according to the Certificate and riders in effect on the date Total Disability began. Premiums are due during the continuation period on the same basis as on the date before Total Disability began. Continued life insurance includes the following if effective on the date before your Total Disability began:  Employee life insurance.  the Spouse Life Insurance Rider.  the Children’s Life Insurance Rider.  the Accelerated Death Benefit Rider.  the AD&D Rider.  the Waiver of Premium Rider. Continued life insurance does not include:  the Portability Rider.  any other continuation rider(s). Any rider or coverage that is not eligible for continuation under this rider will terminate on the date that coverage would otherwise end due to your termination of Active Employment. See the CONVERSION provision of the Certificate and riders for more information about conversion. Continued insurance is subject to all other terms of the Policy. CONDITIONS FOR TOTAL DISABILITY CONTINUATION All of the following conditions must be met in order to continue coverage under this rider:  You are covered under this rider on the date your Total Disability begins.  You are continuously Totally Disabled for the entire period your coverage is in force during the continuation period of any rider.  All Premiums due for life insurance and this rider are paid to us through the date we approve your claim under this rider. NOTICE OF CLAIM AND PROOF OF TOTAL DISABILITY We must accept your proof of Total Disability in order for this rider to apply. You may request a claim form from the Employer or us in order to submit your proof of Total Disability to us. Proof of your Total Disability includes information from your Doctor, at your expense, regarding your condition and your inability to work. We may require additional