DEFINITIONS (Continued) Physician means a person who is licensed to practice medicine or treat illness in the state or territory in which treatment is received. The physician cannot be the employee or member or a member of his or her family by blood, marriage, or adoption. Policy means this group contract, which governs the coverage made available to eligible employees or members of the policyholder and their eligible dependents. Policy anniversary date means the same day and month each year as the policy effective date for each succeeding year this policy remains in force. Policyholder means the entity through which we make this group coverage available. The policyholder is shown on page 1 of this policy. Proof of loss means written evidence satisfactory to us that a person has satisfied the conditions and requirements for a benefit described in the certificate and any attached rider(s). The proof of loss must establish: 1. the nature and extent of the loss or condition; 2. our obligation to pay the claim; and 3. the claimant’s right to receive payment. Proof of death means a certified copy of the death certificate or other lawful evidence providing equivalent information. Rider means additional or optional benefit(s) elected by the policyholder and attached to this policy. No coverage is available under a rider unless elected and attached as an additional or optional benefit to the certificate. Rider effective date means the effective date of coverage under a rider. The rider effective date is the policy effective date, unless the rider is applied for at a later date. If that rider is applied for at a later date, the rider effective date is the effective date assigned by our home office. Rider insured means the person whose life is insured under a rider. Spouse means the person who is a citizen or resident alien of the United States or one of its territories and to whom the employee or member is legally married or who is required to be covered as the employee’s or member’s spouse under the civil union, domestic partnership, or other family or domestic relations laws of the employee’s or member’s state of residence. Domestic partnership means a relationship where both the employee or member and his or her same-sex or opposite-sex partner are considered domestic partners according to the law of the employee’s or member’s state of residence. If the employee’s or member’s state of residence has no domestic partnership law, the relationship must satisfy the definition of domestic partnership as defined by the policyholder. A spouse must be at least age 18, but not older than age 80 to be eligible for coverage. He or she cannot be covered as a spouse or a rider insured if he or she is an insured under the policy. We, us, or our mean American Heritage Life Insurance Company. Written or writing means a record which is on or transmitted by paper, electronic or telephonic media, and which is consistent with applicable law and acceptable by us. You or your means the policyholder as shown in the Application for Group Insurance form. GWLPIN Page 6