SECTION12-ACCIDENTALDEATHANDDISMEMBERMENT SECTION12D-CHILDHIGHEREDUCATIONBENEFIT This Section applies to Basic Accidental Death Insurance. DEFINITIONS ACADEMICYEARmeanstheannualperiodofeducationalsessionsofanaccreditedpost-secondaryeducational institution. ELIGIBLESTUDENTunderthisSectionmeansYourunmarriedChildunderage26,whoonthedateofYour Accidental Death: 1) is enrolled in and is attending an accredited post-secondary educational institution on a full-time basis; or 2) is at the 12th grade level and enrolls and attends an accredited post-secondary educational institution within 16 months from the date of Your death; and 3) is dependent upon You for principal support and is claimed as a dependent on Your federal income tax return. EDUCATIONEXPENSESmeanstuitionthatisassessedbytheaccreditedpostsecondaryeducationalinstitutionand is required to be paid in order for the Child to be classified as a full time student. CHILDHIGHEREDUCATIONBENEFIT AULwillpayanAdditionalAccidentalDeathBenefitsubjectto the following rules: 1) TheChildHigherEducationBenefitpaymentwillbenomorethan$4,000foreachEligibleStudentperAcademic Yearfor Education Expenses. The cumulative benefit payments for all eligible students will not exceed the lesser of: a) $20,000; or b) 10%ofYourAD&DPrincipalSumInsuranceshownintheScheduleofBenefits. 2) TheChildHigherEducationBenefitwill be paid: a) for Education Expenses that are incurred and paid after Your Accidental Death; b) onceannually at the conclusion of the Academic Year; c) not for more than 5 consecutive years after the date of Your Accidental Death; d) until such date that the Child no longer satisfies eligibility requirements under the policy or the accredited post-secondary educational institution; e) following AUL’s receipt of documentation showing proof of paying Education Expenses, the Child Higher Education Benefit will be paid to any named beneficiary who paid Education Expenses; and f) in direct proportion to the amount of Education Expenses paid by each named beneficiary. 3) If there is no Eligible Student, no Child Higher Education Benefit will be paid. 4) Child Higher Education Benefits will only be paid based on enrollment in one accredited post-secondary educational institution. 5) NoannualChildHigherEducationBenefitswill be paid beyond the date the policy terminates. If the policy terminates within 60 days of the end of the current Academic Year, a final Child Higher Education Benefit will be paid when eligible. In no event will the total of the Additional Accidental Death Benefits payable exceed 100% of Your AD&D Principal Sum. In addition to the above limitations, this benefit is subject to the further limitations and provisions of this Section. GC2510.15-3 SECTION12-ACCIDENTALDEATHANDDISMEMBERMENT SECTION12D-CHILDHIGHEREDUCATIONBENEFIT