ICC18 LR14GP-PTS-2 7 PTS-12995 (11/25) TERMINATION OF PORTABILITY AT DEATH OR DIVORCE Coverage continued under this provision will end on the earliest of the following:  The end of the period for which Premiums are paid if the next Premium is not paid by its due date, subject to the grace period.  The date your Spouse attains age 75.  The date your Spouse dies.  For each Child’s coverage, the date the Child is no longer an eligible Child as defined by the Children’s Life Insurance Rider. Coverage of a Child who is incapable of self-sustaining employment due to physical or intellectual disability ends when there is no longer evidence satisfactory to us that the incapacity is continuing.  For Children’s coverage, the date there are no longer any eligible Children covered under the Children’s Life Insurance Rider. If your Spouse is continuing coverage under this provision and then later your Spouse becomes eligible as an Active Employee under the Policy, then any amount(s) of coverage continued under this rider will be reduced by the amount(s) of coverage your Spouse has as an Active Employee. Any unearned Premiums paid for ported coverage will be refunded. CONVERSION FOR TERMINATION OF PORTABILITY AT DEATH OR DIVORCE Your Spouse may convert any life insurance amounts that stop when portability under this provision ends for any reason other than nonpayment of Premium, or your Spouse’s death, or your Child reaching the termination age under the Children’s Life Insurance Rider. Conversion is also available for any part of Spouse life insurance that reduces due to a BENEFIT REDUCTION as described on the SCHEDULE OF BENEFITS of any rider or a Policy change. Conversion is also available for any part of Children’s life insurance that reduces due to a Policy change. See the CONVERSION provision of the rider(s). If your Spouse has made an absolute assignment of insurance, only the current owner may apply for conversion under this paragraph. Your Child may convert any Children’s life insurance amount that stops under the Children’s Life Insurance Rider due to your Child reaching the termination age under that rider, or when portability under this rider ends due to your Spouse’s death. If a Child is too young to contract for life insurance after your Spouse’s death, then a parent or a court-appointed guardian of the Child may apply for conversion of that Child’s coverage. See the CONVERSION provision of the rider. Executed at our Home Office: 250 Marquette Avenue, Suite 900 Minneapolis, MN 55401 Amelia (Amy) J. Vaillancourt Melissa A. O'Donnell President Secretary