SECTION13-ACCELERATEDLIFEBENEFIT This Section applies to Basic Life Insurance. DEFINITION TERMINALCONDITIONmeansaninjuryorSicknessthat,despiteappropriatemedicalcare,isconclusively established to AUL will result in Your death within 12 months from the date of claim. AUL may require that You be examinedat AUL’sexpensebyAUL’schoiceofPhysician. ACCELERATEDLIFEBENEFIT If You are Permanently and Totally Disabled and are diagnosed with a Terminal Condition and are eligible for benefits under this Section, You may apply for payment of the Accelerated Life Benefit. The amount of Accelerated Life Benefit available is shown in the Schedule of Benefits, unless any portion of Your Life Amount has already been paid. The amount of Accelerated Life Benefit available will then be based on the amount remaining after payment of any portion of the Life Amount. Benefits will be paid in one lump sum to You. CONDITIONS Tobeeligible to apply for the Accelerated Life Benefit: 1) YoumusthavePersonalInsurance; 2) YoumustbedeterminedbyAULtobePermanentlyandTotallyDisabledfromanyoccupation; 3) Youmustbeunderage60; 4) YoumustbediagnosedbyaPhysicianwithaTerminalConditionwhileeligiblefor benefitsunder this Section; 5) If You are subject to laws of a community property state, you must obtain Your spouse’s written consent for paymentto YouoftheAcceleratedLife Benefit; and 6) YoucanreceiveanAcceleratedLifeBenefitonly once. PROOFREQUIREDFORTHEACCELERATEDBENEFIT Proof is a completed claim form and other information AUL requires in order to determine whether benefits are owed under this Section. AUL may require that You be examined by a Physician selected by AUL and at AUL’s expense. LIMITATIONS AnAcceleratedLife Benefit will not be paid if: 1) YouhavenamedanirrevocableBeneficiaryor madeanassignmentof YourLifeAmount; 2) all or a portion of Your Life Amount is to be paid to another person or entity pursuant to a valid court order; 3) Yourcoverageterminates;or 4) the policy terminates. GC2510.16 SECTION13-ACCELERATEDLIFEBENEFIT