ICC18 LR14GP-PTS-2 2 PTS-12995 (11/25) 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. EMPLOYEE PORTABILITY Portability means you can apply to continue coverage under the same Policy after it would otherwise terminate, if certain conditions are met. Continued coverage under this rider includes the following:  Employee life insurance under the Certificate  Spouse life insurance under the Spouse Life Insurance Rider, if Employee life insurance is also continued  Children’s life insurance under the Children’s Life Insurance Rider, if Employee life insurance is also continued  Employee AD&D insurance under the AD&D Rider, if Employee life insurance is also continued  Spouse Supplemental AD&D Insurance under the AD&D Rider, if Employee Supplemental AD&D Insurance is also continued  Children’s Supplemental AD&D insurance under the AD&D Rider, if Employee Supplemental AD&D insurance is also continued  Coverage under all riders except the Waiver of Premium Rider and any Continuation riders CONDITIONS FOR EMPLOYEE PORTABILITY All of the following conditions must be met:  You must apply for a minimum of $5,000 in continued Employee coverage.  If you apply for portability of Spouse coverage, you must apply for a minimum of $5,000 in continued Spouse coverage.  If you apply for portability of Children’s coverage, you must apply for a minimum of $1,000 in continued Children’s coverage.  You have not applied for conversion of life insurance on the same amounts.  You did not stop Active Employment due to Total Disability.  You are not on a leave of absence for your sickness or injury.  You apply for portability before the date you attain age 75.  You apply for portability within 31 days of the date your Supplemental life insurance coverage would otherwise terminate due to any of the following:  You retire or terminate employment with the Employer, if coverage remains in effect under the Policy for other Active Employees.  The Policyholder terminates coverage under the Policy for all Active Employees, and does not replace it with another life insurance plan.  You are no longer in an eligible class for coverage under the Policy.  Any other continuation provided under the Policy ends. You will be given notice of your portability and conversion rights at least 15 days before the date any part of your life insurance ends. Your portability rights will expire on the later of 16 days after you are given such notice or the end of the conversion period, but in no event will your portability rights extend beyond 60 days after the expiration of the conversion period. Portability is not available for any of the following:  Any amounts of life insurance for which a conversion application has been received by us.  Coverage that reduces due to BENEFIT REDUCTIONS as described on the SCHEDULE OF BENEFITS in the Certificate or any riders. PORTABILITY If there are any Covered Persons on portability under this rider when the Policy would otherwise terminate, the Policy will remain in force to cover those Covered Persons on portability until the date there are no Covered Persons on portability.