ICC14 LR14GP-ABR 4 ABR-12995 (11/25) For coverage continued by your Spouse after your death or divorce, any benefit proceeds under this rider are payable to your Spouse. If your Spouse is not the current owner of coverage under the Spouse Life Insurance Rider and Children’s Life Insurance Rider on the date accelerated death benefit proceeds are requested, then the benefit proceeds are payable to the current owner. Benefit proceeds received for Terminal Illness will be paid as a lump sum. For a Qualifying Event other than Terminal Illness, you may elect to receive the benefit proceeds as a lump sum or in monthly installments. You may elect monthly installments equal to 1-20% of the full amount of the benefit payable under this rider. The minimum monthly installment is $500. Monthly installments are paid once every 30 days until the full accelerated benefit amount has been paid out. Each monthly installment paid will reduce the remaining death benefit by the same amount. Any payment we make in good faith will discharge our liability to the extent of such payment. If you or the Covered Person dies after you request proceeds under this rider but before any proceeds are received, then the accelerated death benefit claim will be cancelled and any death benefit will be payable under the terms of the Certificate and riders. If any monthly installments are remaining at the time of death, the remaining amount will be payable as a death benefit under the terms of the Certificate and riders. EFFECTS ON COVERAGE When we pay this benefit, coverage is affected in the following ways:  The Covered Person’s Basic and Supplemental Life Insurance amount is reduced by the accelerated death benefit proceeds paid under this rider.  The Covered Person’s life insurance amount that may be converted is reduced by the accelerated death benefit proceeds paid under this rider.  You will not be eligible to increase the Covered Person’s Contributory life insurance amount.  Premium is reduced based upon the remaining life insurance amount. Such Premium must be paid, unless waived under the Waiver of Premium Rider, to keep the life insurance coverage in force.  The Covered Person’s remaining life insurance amount is subject to future BENEFIT REDUCTIONS, if any, as shown on the SCHEDULE OF BENEFITS in the Certificate or riders.  You will not be able to reinstate the Covered Person’s coverage to its full amount in the event of a recovery from a Qualifying Event. Payment of accelerated death benefits for a Covered Person will not affect the amount of life insurance on other Covered Persons. If any death benefit remains after payment of the accelerated death benefit, coverage under the AD&D Rider will be unaffected by the payment of an accelerated death benefit. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary