ICC14 LR14GP-ABR 2 ABR-12995 (11/25) DEFINITIONS Covered Person means:  You, if you are covered for life insurance under the Policy.  Your Spouse who is covered under your Spouse Life Insurance Rider.  Your Children who are covered under your Children’s Life Insurance Rider. Doctor means a person who is licensed to practice medicine in the state in which treatment is received and providing treatment or advice in accordance with the license. State law may require consideration of professional services of a practitioner other than a medical physician. If so, then this definition includes persons recognized as qualified to treat the condition for which claim is made by the state in which treatment is received. This definition does not include you or your spouse, or your or your spouse’s children, parents, grandparents, grandchildren, siblings and their spouses. Institution means any hospital, convalescent hospital, health clinic, nursing home, extended care facility, or other institution devoted to the care of sick, infirm, or aged persons. Qualifying Event means either of the following:  Terminal Illness.  A medical condition that is reasonably expected to require continuous confinement in an Institution and the Covered Person is expected to remain there for the rest of his or her life. Terminal Illness means a medical condition that is expected to result in the Covered Person’s death within 12 months and from which there is no reasonable chance of recovery. GENERAL PROVISIONS ELIGIBILITY FOR RIDER If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your life insurance coverage effective date. 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. 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. This rider will not terminate while this rider is being continued under the terms of another rider. Termination of this rider will not prejudice the payment of benefits for a Qualifying Event that occurred while this rider was in force. CONVERSION When this rider terminates, conversion of this rider is not available.