INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION GENERAL GROUP: The general group will be your employees and employees of any subsidiaries, divisions or affiliates named on the Schedule of Benefits page. ELIGIBILITY REQUIREMENTS: A person is eligible for insurance under this Policy if he/she is a member of an Eligible Class, as shown on the Schedule of Benefits page. EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If you pay the entire Premium due for an Eligible Person, the insurance for such Eligible Person will go into effect on the Individual Effective Date, as shown on the Schedule of Benefits page. If an Eligible Person pays a part of the Premium, he/she must apply in writing for the insurance to go into effect. He/she will become insured on the latest of: CLASS 1, 2, 4 & 5: (1) the Individual Effective Date as shown on the Schedule of Benefits page, if he/she applies on or before that date; (2) on the first of the month following the date he/she applies, if he/she applies within thirty-one (31) days from the date he/she first met the Eligibility Requirements; or (3) on the first of the month following the date we approve any required proof of health acceptable to us. We require this proof if a person applies: (a) after thirty-one (31) days from the date he/she first met the Eligibility Requirements; or (b) after he/she terminated this insurance but remained in an Eligible Class as shown on the Schedule of Benefits page. CLASS 3: (1) the Individual Effective Date as shown on the Schedule of Benefits page, if he/she applies on or before that date; (2) on the first of the month coinciding with or next following the date he/she applies, if he/she applies within thirty- one (31) days from the date he/she first met the Eligibility Requirements; or (3) on the first of the month coinciding with or next following the date we approve any required proof of health acceptable to us. We require this proof if a person applies: (a) after thirty-one (31) days from the date he/she first met the Eligibility Requirements; or (b) after he/she terminated this insurance but remained in an Eligible Class as shown on the Schedule of Benefits page. The insurance for an Eligible Person will not go into effect on a date he/she is not Actively at Work because of a Sickness or Injury. The insurance will go into effect after the person is Actively at Work for one (1) full day in an Eligible Class, as shown on the Schedule of Benefits page. TERMINATION OF INDIVIDUAL INSURANCE: The insurance of an Insured will terminate on the first of the following to occur: (1) the date this Policy terminates; (2) the date the Insured ceases to meet the Eligibility Requirements; (3) the end of the period for which Premium has been paid for the Insured; or (4) the date the Insured enters military service (not including Reserve or National Guard). LRS-6564-7-0208 Page 7.0