ICC18 LC14GP-2 7 D12995 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are an Employee in an eligible class (shown on the SCHEDULE OF BENEFITS), the date you are eligible for coverage is the later of the following:  The Policy effective date.  The day after you complete your Eligibility Waiting Period. ENROLLMENT If you are eligible for Contributory coverage, you must enroll for any Contributory coverage before it will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. You may need to provide Evidence of Insurability, as described below. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and you were covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage that becomes effective on our Policy effective date will be at the same level as under the prior policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. EVIDENCE OF INSURABILITY Evidence of Insurability is required for coverage under the conditions described below. Coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of coverage. Any increase to coverage is subject to the Evidence of Insurability requirements that are in force on the effective date of the increase. We must approve any required Evidence of Insurability before coverage becomes effective. Basic Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for basic coverage on or after the Policy effective date… Evidence is not required for any amount less than or equal to the plan maximum Increases due to salary, job or class changes… Evidence is not required for any increase in which the total Basic Life Insurance amount is less than or equal to the plan maximum Supplemental Life Insurance Evidence Required Coverage on the Policy effective date continued from the Employer's prior Policy… Any amount exceeding the lesser of the most recent coverage from the Employer's prior Policy or the plan maximum Initial eligibility under the Employer's plan for supplemental coverage on or after the Policy effective date… Any amount exceeding $300,000