ICC18 LR14GP-CNT-2 2 CNT-12995 (11/25) EFFECTIVE DATE OF RIDER You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for this rider. 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 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 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. 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. CONTINUATION OF INSURANCE If you stop Active Employment due to: then life insurance coverage may be continued under the Policy beyond the date you are no longer in Active Employment, limited to the time period(s) described below. During this continued coverage period, the amount of continued insurance equals the amount in effect the day prior to the continuation period. That amount will reduce or stop according to the Certificate and riders in effect the day prior to the continuation period. Premiums are due during the continuation period on the same basis as on the day prior to the continuation period. Contact the Employer for more information. If an eligible claim occurs while coverage is being continued under this rider, then benefits will be paid as described in the Certificate and riders. FAMILY AND MEDICAL LEAVE If you are on a Leave of Absence as described under the Family and Medical Leave Act of 1993 and any amendments ("FMLA") or applicable state family and medical leave law ("State FML"), and the Employer's human resource policy provides for continuation of life insurance during an FMLA or State FML Leave of Absence, then coverage for all Covered Persons may be continued until the end of the later of:  The leave period permitted by FMLA.  The leave period permitted by state FML. This continuation of coverage includes all riders that were in effect on the date before the FMLA or State FML Leave of Absence began.  Employer-approved Leave of Absence, or  Total Disability, or  Temporary Layoff, or  Labor Strike,