ICC18 LR14GP-WOP-2 2 WOP-12995 (11/25) TERMINATION OF RIDER 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 life insurance coverage is being continued under the terms of the Portability Rider. This rider will not terminate while Premiums are being waived under the terms of this rider. TERMINATION OF COVERAGE The TERMINATION OF COVERAGE provision in your Certificate is revised to add this item to the terms under which your coverage ends:  The date Premiums are no longer being waived under the Waiver of Premium Rider, if you are not in an eligible class on that date. The TERMINATION OF COVERAGE provision in your Spouse Life Insurance Rider is revised to add this item to the terms under which your Spouse coverage ends:  The date we approve a claim under the Waiver of Premium Rider. The TERMINATION OF COVERAGE provision in your Children’s Life Insurance Rider is revised to add this item to the terms under which your Children’s coverage ends:  The date we approve a claim under the Waiver of Premium Rider. 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. WAIVER OF PREMIUM BENEFIT If you become Totally Disabled while covered under this rider and meet the other conditions below, we will waive Premiums due under the Policy and continue insurance during your Total Disability, according to the terms of this rider. When we waive Premiums, 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 that are waived are not deducted from any proceeds that may become payable. Continued life insurance includes the following if effective on the date before your Total Disability began:  Employee life insurance.  the Accelerated Death Benefit Rider. Continued life insurance does not include:  the Spouse Life Insurance Rider.  the Children’s Life Insurance Rider.  the AD&D Rider.  the Portability Rider.  any continuation rider(s). Any rider or coverage that is not eligible for waiver of premium 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.