GENERAL PROVISIONS HC13GPIN 12 B-21113 (11/25) CLERICAL ERROR Clerical error or omission by us or by the Policyholder will not: • Prevent you from receiving coverage, if you are entitled to coverage under the terms of the policy. • Cause coverage to begin or continue for you when the coverage would not otherwise be effective. If the Policyholder gives us information about you that is incorrect, we will do both of the following: • Use the facts to decide whether you have coverage under the policy and in what amounts. • Make a fair adjustment of the premium. MISSTATEMENT OF AGE If premiums applicable to you are based on age and you have misstated your age, there will be a fair adjustment of premiums based on your true age. If the benefits applicable to you are based on age and you have misstated your age, there will be an adjustment of said benefits based on your true age. We may require satisfactory proof of your age before paying any claim. WORKERS' COMPENSATION OR STATE DISABILITY INSURANCE The policy does not replace or affect the requirements for coverage by any workers' compensation or state disability insurance. AGENCY For purposes of the policy, the Policyholder acts on its own behalf or as your agent. Under no circumstances will the Policyholder or your Employer be deemed our agent. CONSUMER NOTICE Questions regarding your policy or coverage should be directed to: ReliaStar Life Insurance Company (800) 955-7736 If you (a) need the assistance of the governmental agency that regulates insurance; or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, Indiana 46204 Consumer Hotline: (800) 622-4461; (317) 232-2395 Complaints can be filed electronically at www.in.gov/idoi.