For Insureds age 70 and over, the Benefit Amount for Accidental Death and Dismemberment, Common Carrier and Catastrophic Loss Benefits is subject to automatic reduction. Upon the Insured's attainment of the specified age below, the Benefit Amount will be reduced to the applicable percentage. This reduction also applies to Insureds who are age 70 or over on their Individual Effective Date. Age Percentage of available or in force amount at age 69 70+ 50% The Dependent spouse Benefit Amount for Accidental Death and Dismemberment, Common Carrier and Catastrophic Loss Benefits will reduce in the same manner as your Benefit amount upon the Dependent spouse's attainment of the reducing age(s). Child Benefit Amounts will not reduce. LRS-9548-0318-IN Page 1.5