ELIGIBILITY EVIDENCE OF INSURABILITY We may ask for evidence of insurability if the employee or member: 1. is applying for an amount of coverage over the applicable Guaranteed Issue Limit or Contingent Guaranteed Issue Limit; 2. is applying for coverage, or an increase in the amount of coverage, at any time after his or her initial enrollment period; 3. does not enroll an eligible spouse for coverage within 31 days of eligibility; or 4. does not enroll an eligible child for coverage within 31 days of eligibility. The cost of providing such evidence will be at our expense. ELIGIBILITY OF AN EMPLOYEE OR MEMBER FOR COVERAGE An employee or member is eligible to enroll for coverage under this policy, if he or she: 1. meets the definition of an employee or member; and 2. has completed any eligibility waiting period as shown in the Policy Specifications. ELIGIBILITY OF A SPOUSE FOR COVERAGE An employee or member will be eligible to enroll for coverage on his or her spouse on the later of the date his or her spouse: 1. first becomes eligible and the employee or member applies for his or her own coverage under this policy; or 2. first meets the definition of spouse. ELIGIBILITY OF CHILD(REN) FOR COVERAGE An employee or member will be eligible to enroll for coverage on his or her child(ren) on the later of the date his or her child: 1. first becomes eligible and the employee or member applies for his or her own coverage under this policy; or 2. first meets the definition of child. In the event that an employee or member and his or her spouse are both covered under this policy as insureds, any child or children will, if otherwise eligible, be covered as a child of one parent only. EFFECTIVE DATE OF COVERAGE Coverage for each eligible employee or member will be effective at 12:01 a.m. on the effective date shown in the certificate issued to him or her provided that he or she is actively employed on that date. If the employee or member is not actively employed on that date due to a temporary layoff, leave of absence, or Family and Medical Leave of Absence, coverage begins on the date he or she returns to active employment. Coverage for each eligible dependent will be effective at 12:01 a.m. on the effective date shown in the certificate issued to the certificate holder provided that the employee or member is actively employed on that date. Coverage for certificate rider(s) added after the effective date that are subject to evidence of insurability will be effective on the date we approve the addition of the certificate rider(s). Coverage for certificate rider(s) added after the effective date that are not subject to evidence of insurability will be effective when we receive the request to add the certificate rider(s). Coverage changes to remove rider(s) will take effect on the first day of the calendar month that immediately follows the date the employee or member requests the removal, but will not affect a payable claim that occurs prior to the effective date of the removal. GWLPIN Page 10