TABLE OF CONTENTS POLICY SPECIFICATIONS ................................................................................................................................................. 3 DEFINITIONS................................................................................................................................................................. 4 – 6 POLICYHOLDER PROVISIONS ................................................................................................................................... 7 – 8 PREMIUMS .......................................................................................................................................................................... 9 ELIGIBILITY....................................................................................................................................................................... 10 EFFECTIVE DATE OF COVERAGE ................................................................................................................................. 10 CERTIFICATE HOLDER AND BENEFICIARY ................................................................................................................. 11 BENEFITS .......................................................................................................................................................................... 12 CERTIFICATE LOAN AND NON-FORFEITURE OPTIONS ..................................................................................... 13 – 14 GENERAL CERTIFICATE PROVISIONS ................................................................................................................. 15 – 16 PORTABILITY PRIVILEGE ............................................................................................................................................... 17 GWLPIN Page 2