ICC18 LC14GP-2 13 D12995 (11/25) We pay a death benefit to the Beneficiary if we receive Written proof that you died while your insurance under the Policy is in force. The death benefit is the amount of life insurance for your class as shown on the SCHEDULE OF BENEFITS in effect on the date of your death minus any amount paid under the Accelerated Death Benefit Rider. NOTICE OF CLAIM AND PROOF OF LOSS A claim form is available from the Employer or us. The process for completing the claim form and submitting the claim form will be explained in the claim form paperwork. Proof of loss, including any attachments indicated on the claim form as required, should be sent directly to us at the address indicated on the form. We may also require information from the Employer in order to verify eligibility. Proof of loss consists of a certified copy of your death certificate or other lawful evidence providing equivalent information, and proof of the claimant’s interest in the proceeds. We will review the claim and proof of loss we receive in order to determine our liability and the correct payee(s). If we approve the claim, we will pay the benefits subject to the terms of this Certificate. AUTOPSY We reserve the right to make a reasonable request for an autopsy at our expense where permitted by law. PAYMENT OF PROCEEDS To be eligible to receive proceeds, the Beneficiary must be living on the date of your death. If there is no eligible Beneficiary, we will pay the proceeds to the first survivor(s), who is living on the date of your death, in the following order: 1. Your spouse. 2. Your natural and adopted children. 3. Your parents. 4. Your estate. If the Beneficiary or survivor is eligible to receive proceeds but dies before receiving them, we will pay the proceeds to that person’s estate. “Spouse” means your lawful spouse. We will pay the death benefit to the Beneficiary in one sum or in a method comparable to one sum. Other methods of payment may be made available to the Beneficiary at the time of claim. Any payment we make in good faith will discharge our liability to the extent of such payment. PAYMENT OF INTEREST We pay interest on the death benefit proceeds, accruing from the date of your death up to the date of payment. The minimum interest rate payable will be the interest rate applicable for funds left on deposit with us as of the date of death. Interest will accrue at an annual rate of 10% plus the interest rate applicable for funds left on deposit beginning with the date that is 31 calendar days from the latest of the dates below and continuing up to the date of payment:  The date we receive due proof of loss following death.  The date we receive sufficient information to determine our liability, the extent of our liability, and the appropriate payee legally entitled to the proceeds.  The date that legal impediments to payment of proceeds that depend on the action of parties other than us are resolved and sufficient evidence of this resolution is provided to us. Legal impediments to payment include but are not limited to: the establishment of guardianships and conservatorships; the appointment and qualification of trustees, executors and administrators; and the submission of information required to satisfy state or federal reporting requirements. LIFE INSURANCE BENEFITS