CLASS 1, 2, 3, 4 & 5: For Insureds age 70 and over, the Amount of Basic Life and Accidental Death and Dismemberment Insurance and Supplemental Life Insurance is subject to automatic reduction. Upon the Insured’s attainment of the specified age below, the Amount of Basic Life and Accidental Death and Dismemberment Insurance and Supplemental Life Insurance will be reduced to the applicable percentage. This reduction also applies to Insureds who are age 70 or over on their Individual Effective Date. Age Percentage of available or in force amount at age 69 70+ 50% CLASS 6: For Insureds age 70 and over, the Amount of Supplemental Life Insurance is subject to automatic reduction. Upon the Insured’s attainment of the specified age below, the Amount of Supplemental Life Insurance will be reduced to the applicable percentage. This reduction also applies to Insureds who are age 70 or over on their Individual Effective Date. Age Percentage of available or in force amount at age 69 70+ 50% Dependent Life: Spouse Amount: $5,000 to $250,000 in increments of $5,000 Child Amount: birth to 6 months: $2,000 to $10,000 in increments of $2,000 6 months and over: $2,000 to $10,000 in increments of $2,000 The Spouse Amount of Insurance may not exceed 100% of the Insured’s amount. Amounts of Insurance for spouses over the guaranteed issue amount of $25,000 are subject to our approval of a person's proof of good health. However, any proof of good health required due to late application for this insurance (See EFFECTIVE DATE OF DEPENDENT INSURANCE) will be at no expense to us. The Spouse Amount of Insurance will reduce in the same manner as the Insured's Amount of Insurance upon Spouse’s attainment of reducing ages. The Life amount will be reduced by any benefit paid under the Accelerated Benefit Rider. CHANGES IN AMOUNT OF INSURANCE: CLASS 1, 2, 3, 4 & 5: Increases and decreases in the Amount of Insurance because of changes in age are effective on the January 1st coinciding with or next following the date of the change. Increases and decreases in the Amount of Insurance because of changes in class or earnings (if applicable) are effective on the date of the change. With respect to increases in the Amount of Insurance, the Insured must be Actively At Work on the date of the change. If an Insured is not Actively At Work when the change should take effect, the change will take effect on the day after the Insured has been Actively At Work in an Eligible Class for one full day. However, if an Insured has the right to choose his/her amount of Supplemental insurance, proof of good health will be required when the Insured changes his/her selection to increase the amount of his/her Supplemental insurance. Any such increase will take effect only if we approve such proof. Premium changes due to an Insured's age will occur on the January 1st coinciding with or next following the birthday that causes the Insured to enter the next age bracket. LRS-6422-2 Ed. 04/16 Page 1.1