ICC18 LR14GP-PTS-2 5 PTS-12995 (11/25) Children may be covered following your death only if they would have been eligible for coverage under the eligibility rules in force prior to your death. Conversion is available for any terminating life insurance amount(s) that are not eligible for portability. See the CONVERSION provision of the riders. Any amounts of life insurance for which an application for conversion has been received by us are not eligible for portability under this rider. APPLICATION FOR PORTABILITY AT DEATH OR DIVORCE Your Spouse may apply for portability of the same amount of insurance that would otherwise terminate or a lesser amount according to the available amounts on the portability application. Your Spouse must apply for portability of Spouse insurance in order to continue Children’s insurance. Your Spouse may only apply for portability of Children’s Insurance in the event of your death. The amount(s) that can be continued under this provision are subject to the following maximum(s):  $250,000 total Spouse life insurance  $250,000 of Spouse Supplemental AD&D insurance, but not to exceed the amount of Spouse Supplemental life insurance continued  $10,000 total Children’s life insurance, but not to exceed the total amount of Spouse life insurance continued  $10,000 of Children’s Supplemental AD&D insurance, but not to exceed the amount of Children’s Supplemental life insurance continued Conversion is available for any life insurance amounts that exceed the maximum amount(s) eligible for portability under this provision. See the CONVERSION provision of the riders. Your Spouse will not be eligible to increase the ported coverage amount. Ported coverage is subject to all the terms of the Policy, Certificate and any riders. If your Spouse dies within 31 days of the date your Spouse becomes eligible for portability under this provision (the “conversion period”), any Spouse life insurance amount that was eligible for conversion will be payable according to the CONVERSION provision of the Spouse Life Insurance Rider. If your Child dies during the conversion period, any Children’s life insurance amount that was eligible for conversion on that Child will be payable according to the CONVERSION provision of the Children’s Life Insurance Rider. Any AD&D insurance amount your Spouse is eligible to port will be payable according to the AD&D Rider. Any unearned Premiums paid for portability will be refunded to the Beneficiary. Your Spouse does not need to provide Evidence of Insurability in order to apply for portability. Your Spouse may complete the Evidence of Insurability section of the application if your Spouse wants to request a lower portability Premium rate. If we accept your Spouse’s application for portability but decline your Spouse’s Evidence of Insurability, your Spouse may either pay the standard portability Premium rate or apply for conversion of life insurance within 31 days of the date we provide your Spouse written notice of conversion. See the CONVERSION provision of the riders. Spouse coverage must be ported under the terms of this rider in order for Children’s coverage to be ported. If we approve your Spouse’s application for portability, your Spouse will become the owner of the Spouse coverage that was previously provided under your Spouse Life Insurance Rider. If Children’s coverage is ported after your death, your Spouse will also become the owner of the Children’s coverage that was previously provided under your Children’s Life Insurance Rider. Ported coverage under this provision will be effective on the day after the conversion period ends. Premiums under this provision will be billed directly to your Spouse on a quarterly basis. Each quarterly Premium due will include a billing fee as indicated on the portability application or subsequent notice. Continued Premium payment is required to keep coverage in force. The initial Premium will be based on the portability Premium rates in effect at the time your Spouse applies for portability. We may change the portability Premium rates at any time upon 90 days written notice to your Spouse. If you have made an absolute assignment of your insurance, the current owner’s rights under the Policy will terminate on the date of your death. The current owner’s rights regarding your Spouse’s insurance will terminate on the date of your divorce. Your Spouse as the new owner under this provision may make an absolute assignment of insurance, as described in the ASSIGNMENT provision of the Certificate.