SECTION8-WAIVEROFPREMIUMFORTOTALDISABILITY Continued Life and Accidental Death and Dismemberment Insurance premiums must be paid to and received by AUL during the WaiverofPremiumBenefitforTotalDisabilityElimination Period. If the benefit request is approved, any unearned premiumbeyondtheEliminationPeriodwill be refunded. If You are not approved for this benefit, You may apply to convert Your Life Amount to an individual life insurance policy pursuant to Section 10, Conversion Privilege within 31 days from notice of the adverse benefit determination. If You did not pay premiums during the Elimination Period, You are not eligible to convert Your coverage to an individual life insurance policy upon notice of an adverse benefit determination. If You die during the Elimination Period and the required amount of premiums were not received by AUL, no benefit will be due under the policy. If coverage under the Waiver of Premium Benefit for Total Disability terminates, You are entitled to apply to convert YourLifeAmounttoanindividuallife insurance policy within 31 days of cessation of such coverage pursuant to Section 10, Conversion Privilege. If coverage under the Waiver of Premium Benefit for Total Disability terminates because You return to Active Work with the Group Policyholder and the policy is still in force, You are eligible to apply for all coverages available to Yourclass. If benefits are payable under the policy after You are approved for Waiver of Premium and You have applied and been issued an individual life insurance policy under Section 10, Conversion Privilege, any amount payable under the policy will be reduced by the amount payable under the individual life insurance policy. IN NO EVENT WILL A BENEFITBEPAYABLEUNDERBOTHTHEINDIVIDUALLIFEINSURANCEPOLICYANDTHEPOLICY GREATERTHANTHELIFEAMOUNT,NORWILLACCIDENTALDEATHANDDISMEMBERMENT BENEFITS,IFANY,BEPAYABLEBEYONDTHEWAIVEROFPREMIUMBENEFITFORTOTAL DISABILITYELIMINATIONPERIOD. GC2510.10/2 SECTION8-WAIVEROFPREMIUMFORTOTALDISABILITY (Refund) (AD&D:Included)