12 3. The date You refuse to submit to a medical examination or to cooperate with Our chosen health care provider; 4. The date You refuse to submit to or undergo vocational rehabilitation (which determines employment opportunities, if any, for individuals with disabilities); 5. The date at which You’ve resided outside of the United States of America, or one of its territories during any 6 consecutive months for which premium had been waived; 6. The effective date of an individual life insurance policy issued to You under the "Life Insurance Conversion Benefit" section; 7. The premium due date immediately prior to Your 70th birthday. F. Premiums 1. Premium payment must continue until the later of the end of Your Elimination Period or the date Your claim for the Waiver of Premium Benefit is approved by Us. 2. If Your Waiver of Premium benefit terminates because You cease to be Disabled or You fail to submit to a medical exam or cooperate with the examiner, for coverage to continue, You must be an Eligible Employee and premiums must resume on the next premium due date, or You must continue coverage as provided for under the "Life Insurance Conversion Benefit" section. G. Amount of Insurance 1. The amount of Life Insurance continued under the Waiver of Premium Benefit is the amount in effect on the day before You became Disabled, if you were Actively at Work. 2. Insurance will be reduced or terminated according to the Group Policy provisions in effect on the day before You became Disabled. 3. Your Life Insurance amount will not increase while Your Life Insurance premiums are being waived. H. We will not waive premiums if Your Disability results from intentionally self-inflicted Injuries or Physical Diseases, while sane or insane, or from Your voluntary participation in an illegal activity. I. If You die during the Elimination Period and are otherwise eligible for the Waiver of Premium Benefit, the Elimination Period will not apply. J. We may require further Proof of Disability in intervals that are reasonable based on Your type of Disability. K. Investigation Of Claim With respect to benefits that are claimed during an Insured Person's lifetime, We may require him or her to undergo examination at reasonable intervals, at Our expense. Any such examinations will be conducted by appropriate Physician of Our choice. We may deny or suspend benefits if You fail to attend an examination, or do not give full effort and cooperation to the examiner. GTL-C900-0608 VI. LIFE INSURANCE ACCELERATED (LIVING) BENEFIT Terminally Ill and Terminal Illness mean a medical condition that is expected to result in Your death within 12 months. A. If You become Terminally Ill while covered for life insurance under the Group Policy You may elect to receive the Living Benefit as provided for under this section. B. The Living Benefit will be an amount equal to 75% of Your Employee Basic Life Insurance in effect on the date Your election is made, subject to a minimum of $10,000 and a maximum of $500,000. The amount payable will be equal to the Living Benefit less applicable amounts, if any, charged for an investment loss (interest) and administrative fees.