ICC18 LR14GP-SPR-2 2 SPR-12995 (11/25) DEFINITIONS Evidence of Insurability means your Spouse’s affirmation, on a form acceptable to us, of various factors that we will use to determine if your Spouse’s coverage is approved. Those factors may include, but are not limited to, your Spouse’s medical history and treatment, driving record, and/or family medical history. If we need more information, any costs will be at our expense. Spouse means your lawful spouse. The person must also meet all of the following:  Not be on full-time active duty in the armed forces of any country or subdivision thereof.  Legally reside in the United States or its territories or possessions.  Not be insured under the Policy as an Employee. GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then your Spouse is eligible under 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.  The date of your marriage. If your Spouse is covered under the Policy as an Employee, then your Spouse is not eligible for coverage under this rider. ENROLLMENT If you have a Spouse eligible for coverage, you must enroll for Contributory Spouse coverage before Contributory coverage will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and your Spouse was covered under the prior policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage on your Spouse 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. You may need to provide Evidence of Insurability on your Spouse, as described below. 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. Supplemental Spouse 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 spouse coverage on or after the Policy effective date… Evidence is not required for any amount less than or equal to the plan maximum