Refer to Your Basic Schedule of Benefits to determine to which coverage this page applies. When applicable, the Schedule of Benefits will indicate employee premium CONTRIBUTIONSare not required and INDIVIDUAL EFFECTIVEDATEisFirstoftheMonth. SECTION4-INDIVIDUALEFFECTIVEDATE NON-CONTRIBUTORYINSURANCE Theeligible Employee, prior to receiving coverage under the policy must make written election on a form approved by AULandtheEmployermustcontributetherequiredamountofpremiumtoAULonatimelybasis. For amounts of coverage that do not exceed the Guaranteed Issue Amount shown in the Schedule of Benefits, the effective date for an eligible Employee is: 1) the first day of the Coverage Month; or 2) the first day of the next Coverage Month if the Employee applies after the first day of the Coverage Month. ToreceiveanyamountofcoverageexceedingtheGuaranteedIssueAmount,theeligibleEmployeemustmakewritten request to AUL on a form approved by AUL and undergo medical underwriting. The effective date of insurance for an eligible Employee, subject to the further provisions of this Section, will be after the Employee submits satisfactory Evidence of Insurability to AUL and on the date AUL determines the Employee is approved for coverage. Satisfactory Evidence of Insurability, at no expense to AUL, must be provided prior to receiving any amount of coverage greater than the Guaranteed Issue Amount. If an eligible Employee desires to decline coverage for which the Employer would pay 100% of the premium, the Employeemustfirst notify the Employer in writing of this decision prior to coverage being declined. Once coverage is declined, the Employer is not responsible for paying premium for that Employee, and the Employee will not be eligible for any coverage under the policy. If an eligible Employee initially declines coverage and later desires to have coverage, the Employee will be required to undergo medical underwriting and submit satisfactory Evidence of Insurability at no expense to AUL prior to receiving any coverage. No coverage shall begin until the date AUL has approved the request for coverage in writing and the required amount of premium is received from the Employer. Anyeligible Employee who converted his insurance under the policy to an individual life insurance policy and if that individual life insurance policy is still in force, the Employee is required prior to becoming insured again under the policy to undergo medical underwriting and submit satisfactory Evidence of Insurability, at no expense to AUL. If the EmployeedoesnotwishtoundergomedicalunderwritingandsubmitsatisfactoryEvidenceof Insurability, the Life Amountunderthepolicywillbereducedbytheamountofcoverageundertheindividuallifeinsurancepolicy. No coverage shall begin until the date AUL has approved the request for coverage in writing and the required amount of premiumisreceivedfrom the Employer. If an Employee is not Actively at Work on the date coverage would otherwise become effective, the effective date will be: 1) the first day of the Coverage Month, if the Eligible Employee returns to Active Work on the first day of the CoverageMonth;or 2) the first day of the Coverage Month following the date the eligible Employee returns to Active Work, if Active Workbeginsafter the first day of the Coverage Month. Contributions for Basic insurance are not required from Employees for Personal Insurance. Also see Continuity of Coverage, Section 5, if included in the policy. GC2510.5 SECTION4-INDIVIDUALEFFECTIVEDATE (First of Month) NON-CONTRIBUTORYINSURANCE