GENERAL PROVISIONS INCONTESTABILITY: Any statements made by you or any Insured Dependent or on your behalf or any Insured Dependent's to persuade us to provide coverage, will be deemed a representation, not a warranty. This provision limits our use of these statements in contesting the Benefit Amount for which you or your Insured Dependent are covered. The following rules apply to each statement: (1) No statement will be used in a contest unless: (a) it is in a written form signed by you or any Insured Dependent, or on your behalf or any Insured Dependent's behalf; and (b) a copy of such written instrument is or has been furnished to you or any Insured Dependent or your or any Insured Dependent's beneficiary or legal representative. (2) If the statement relates to your or any Insured Dependent's insurability, it will not be used to contest the validity of insurance which has been in force, before the contest, for at least 2 years during your or any Insured Dependent's lifetime. Also, we will not use such statements to contest a benefit increase after such benefit increase has been in force for 2 years during your or your Insured Dependent's lifetime. ASSIGNMENT: The benefits under the Policy may not be assigned, except as required by law. CLERICAL ERROR: Clerical errors in connection with the Policy or delays in keeping records for the Policy, whether by the Policyholder, us, or the Plan Administrator: (1) will not terminate insurance that would otherwise have been effective; and (2) will not continue insurance that would otherwise have ceased or should not have been in effect. Clerical Errors include (but are not limited to) the payment of premium for coverage not provided by the Policy. If appropriate, a fair adjustment of premium will be made to correct a clerical error. Such adjustments will be limited to the 12 month period preceding the date we receive proof from the Policyholder that an adjustment due to overpayment of premium should be made or the date we discover that premium has been underpaid. MISSTATEMENT OF FACTS: If relevant facts about you or any Insured Dependent were misstated: (1) an adjustment of the premium will be made; and (2) the true facts will decide what amount of insurance is valid under the Policy. If any misstated facts impacts the amount of premium that should have been paid, any benefit payable shall be in the amount the paid premium would have purchased based on the correct fact(s). NOT IN LIEU OF WORKERS' COMPENSATION: The Policy is not a Workers' Compensation Policy. It does not provide Workers' Compensation benefits. LRS-9548-0318-IN Page 3.0