GTL-C600-0608M-IN 2 TABLE OF CONTENTS SCHEDULE OF BENEFITS .....................................................................................................................................3 I. DEFINITIONS ..............................................................................................................................................5 II. ELIGIBILITY FOR INSURANCE ...............................................................................................................7 III. BECOMING INSURED ...............................................................................................................................7 IV. WHEN COVERAGE ENDS .........................................................................................................................9 V. LIFE INSURANCE - WAIVER OF PREMIUM BENEFIT ......................................................................11 VI. LIFE INSURANCE ACCELERATED (LIVING) BENEFIT ....................................................................12 VII. LIFE EXCLUSIONS ...................................................................................................................................14 VIII. LIFE INSURANCE CONVERSION BENEFIT .........................................................................................15 IX. ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE .............................................................15 X. CLAIMS PROVISIONS .............................................................................................................................17 XI. GENERAL PROVISIONS .........................................................................................................................19