19 7. The Group Policy does not provide voluntary alternative dispute resolution options. GTL-C2200-0608 XI. GENERAL PROVISIONS A. Naming a Beneficiary. 1. At the time You became insured under the Group Policy, You should have named a beneficiary of the proceeds of Your life insurance on the enrollment form. 2. You may have named primary beneficiaries and secondary beneficiaries. A secondary beneficiary will become a primary beneficiary if the named primary beneficiary is not living at the time of Your death. Two or more surviving primary beneficiaries will share equally, unless You specify otherwise. 3. AD&D Insurance death benefits will be distributed according to the beneficiary designation of Your corresponding life insurance. 4. You may change Your beneficiary designation at any time, subject to the following: a) The designation must be made in writing on a form suitable to Us; b) The designation must be dated and signed by You (and by your Spouse where required by law); c) The designation must relate and refer to the insurance provided under the Group Policy; d) If applicable, We must have the written consent of all irrevocable beneficiaries; e) You must not have assigned the ownership of Your insurance. 5. When a valid change of beneficiary is received by Us, the change will relate back to and take effect as of the date it was signed. This is the case whether You are alive or not when We receive the request. Even though the change of beneficiary will relate back to the date it was signed, it will be without prejudice to Us on account of any payment We have already made. 6. If We approve it, a written designation signed and dated by You under the Prior Plan will be accepted as Your beneficiary designation under the Group Policy. B. Simultaneous Death Provision. If a beneficiary dies on the same day You die, or within 120 hours from Your time of death, benefits will be paid as if that beneficiary had died before You, unless Proof of Loss with respect to Your death is delivered to Us before the date of the beneficiary’s death. C. Entire Contract, Changes 1. This Certificate, including the Enrollment Form, Group Policy and any Riders, Amendment or attached papers, if any, constitutes the entire contract of Insurance. No change in this Certificate shall be valid until approved by an executive officer of Our company and unless such approval is endorsed hereon or attached hereto. No agent has authority to change this Certificate or waive any of its provisions. 2. Except for those functions which the Group Policy specifically reserves to the Policyholder or Employer, We have authority to control, manage, and interpret the Group Policy, to administer claims and to resolve all questions arising in the administration, interpretation and application of the Group Policy. 3. Our authority includes, but is not limited to the following: a) the right to resolve all matters when a review has been requested; b) the right to establish and enforce rules and procedures for the administration of the Group Policy and any claim under it; c) the right to determine eligibility for insurance, entitlement to benefits, the amount of benefits payable and the sufficiency and the amount of information We may reasonably require to make determinations.