WELLNESS BENEFIT We will pay the amount shown on the Schedule of Benefits for one health screening test performed during a 12 month period for you and your Insured Dependents, up to a maximum of 4 benefits per family, provided you: (1) supply proof satisfactory to us that such a health screening test has been performed; and (2) were covered under the Policy at the time the test was performed; and (3) have not already had one of the following health screening tests performed at any time during the same twelve (12) month period. Health screening tests covered under the Policy are: (1) ALT/AST (liver function test); (2) Biopsy for cancer; (3) Blood test for triglycerides; (4) Bone density testing (DEXA scan); (5) Bone marrow testing; (6) CA 15-3 (blood test for breast cancer); (7) CA 125 (blood test for ovarian cancer); (8) CEA (blood test for colon cancer); (9) Chest X-ray; (10) Colonoscopy; (11) Echocardiogram; (12) Electrocardiogram; (13) Fasting blood glucose test; (14) Flexible sigmoidoscopy; (15) Genetic tests; (16) Hemoccult stool analysis; (17) Hepatitis screening; (18) Human Immunodeficiency Virus (HIV) screening; (19) Mammography; (20) Pap test; (21) PSA (blood test for prostate cancer); (22) Serum cholesterol test to determine level of HDL and LDL; (23) Serum Protein Electrophoresis (blood test for myeloma); (24) Skin cancer screening; (25) Stress test; (26) Ultrasound screening (of the breast, of the abdominal aorta for abdominal aortic aneurysms, of carotid arteries (carotid doppler), or for cancer detection); and (27) Any other preventative health screenings, including, but not limited to, tests, diagnostic procedures, routine examinations and immunizations. The Wellness Benefit is paid in addition to any other payments you or your Insured Dependents may receive under the Policy. LRS-9548-0318-IN Page 8.0

Voluntary Accident Certificate - Page 23 Voluntary Accident Certificate Page 22 Page 24