SECTION20-DEPENDENTINSURANCE SECTION20D-WAIVEROFPREMIUM This Provision applies to Basic Life Insurance. DEFINITIONS ELIMINATIONPERIODmeansa9monthperiodofconsecutivedaysofTotalDisability.TheEliminationPeriod begins on the 1st day of Total Disability and ends on the last day of the 9 month period. You may not have more than three (3) days of Active Work during the Elimination Period. WAIVEROFPREMIUMBENEFITFORTOTALDISABILITY If You have been approved by AUL for Waiver of Premium Benefit for Total Disability under the policy and remain Totally Disabled, AUL will waive further premium payments for Your Dependent Life Insurance until the first of the following occurs: 1) YourcoverageunderWaiverofPremiumprovisionsterminatesfor any reason; 2) the Dependent attains the maximum age; or 3) in the case of a Dependent legal spouse, divorce. If You are not approved for the Waiver of Premium for Total Disability Benefit, You may apply to convert Your DependentLife Amount to an individual life insurance policy pursuant to Section 20F, Conversion Privilege, within 31 days from notice of the adverse benefit determination. If You did not pay premiums during the Elimination Period, Youarenoteligible to convert Your coverage to an individual life insurance policy upon notice of an adverse benefit determination. If coverage under the Waiver of Premium Benefit for Total Disability terminates, You are entitled to apply to convert YourDependentLifeAmounttoanindividuallifeinsurancepolicy within 31 days of cessation of such coverage pursuant to Section 20F, Conversion Privilege. DEPENDENTACCIDENTALDEATHANDDISMEMBERMENTBENEFITS,IFANY,ARENOTPAYABLE AFTERYOURELIMINATIONPERIOD. GC2510.25 SECTION20-DEPENDENTINSURANCE SECTION20D-WAIVEROFPREMIUM