ICC18 LR14GP-CHR-2 2 CHR-12995 (11/25) DEFINITIONS Child or Children means a child from live birth but less than 26 years of age who is one of the following:  Your natural or adopted child (including a child placed for adoption).  Your stepchild.  Your foster child or a child or grandchild for whom you are a legal guardian. The child must also meet all of the following conditions:  Legally reside in the United States or its territories or possessions.  Not be insured under the Policy as an Employee or Spouse.  Not be insured by an individual policy that was issued under any conversion right of this rider. This definition includes your Child age 26 or older who is incapable of self-sustaining employment due to physical or intellectual disability. Written proof of the Child's incapacity must be furnished to us at our home office within 31 days after the Child reaches the limiting age. We may require, at reasonable intervals, but not more than once a year after the two year period following attainment of the limiting age, evidence satisfactory to us that the incapacity is continuing. Coverage will continue while the Child remains incapable of self-sustaining employment due to physical or intellectual disability and continues to meet the definition of Child except for the age limit. If the Child becomes capable of self- sustaining employment and proof of the Child’s incapacity can no longer be furnished to us, you may convert your Child’s life insurance to an individual life insurance policy as described in the CONVERSION provision of this rider. Evidence of Insurability means your affirmation, on a form acceptable to us, of various factors that we will use to determine if your Child’s coverage is approved. Those factors may include, but are not limited to, your Child’s medical history and treatment, driving record, and/or family medical history. If we need more information, any costs will be at our expense. GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then your Children are eligible under this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date.  The date you acquire a Child by marriage, birth or adoption. If your Child is covered under the Policy as an Employee, then your Child is not eligible for coverage under this rider. ENROLLMENT If you have a Child eligible for coverage, you must enroll for Contributory Children’s coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and your Children were covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage on your Children that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. You may need to provide Evidence of Insurability on your Children, as described below.