DEPENDENT INSURANCE Nothing in this section will change or affect any of the terms of the Policy other than as specifically set out in this section. All the Policy provisions not in conflict with these provisions shall apply to this section. When an Insured Dependent sustains an Injury due to a Covered Accident we will pay the applicable benefit shown on the Schedule of Benefits. Only dependents that meet the definition of Dependent can be insured for this benefit. A person may not have coverage under the Policy both as an Insured Person and as an Insured Dependent. Only one eligible spouse may cover the eligible children as Insured Dependents. Dependents may be covered as Insured Dependents if not covered as an Insured. If insurance is in force for an Insured Dependent child, any newly eligible Dependent child(ren) will be automatically covered. ELIGIBILITY: You, as an Eligible Person are eligible to enroll your eligible Dependents on the date you become an Insured Person. EFFECTIVE DATE OF DEPENDENT INSURANCE: If the Policyholder pays the entire premium for Dependents, a Dependent's insurance will become effective on the later of: (1) the first day of the month following the date you become eligible for Dependent Insurance; or (2) the first day of the month following the date the dependent meets the definition of Dependent. If you are required to pay a portion of the Dependent premium for Dependent insurance, you may insure your Dependents by making written application. In this case, the insurance for Dependents will take effect on the later of: (1) the first day of the month following the date you become eligible for Dependent insurance; or (2) the first day of the month following the date the dependent meets the definition of Dependent, if application is made on or before that date; or (3) the first day of the month following the date of application; or (4) the date the premium applicable to the coverage selected is remitted. Changes in the Insured Dependent's Benefit Amount are effective as shown on the Schedule of Benefits. TERMINATION OF DEPENDENT INSURANCE: The insurance for an Insured Dependent will terminate on the first of the following dates: (1) the date this Section terminates; (2) the end of the period for which premium for Dependent insurance has been paid; (3) the date your insurance terminates; or (4) the date the dependent is no longer a Dependent as defined. NEWLYWED PROVISION: At your marriage, if you did not previously elect Dependent spouse coverage, your new spouse shall automatically become an Insured Dependent spouse. Such spouse shall be an Insured Dependent spouse for 31 days. He/she shall then cease to be an Insured Dependent spouse unless: (1) you request continuation of such Dependent spouse coverage within such 31 day period; and (2) the additional premium is paid for such coverage. NEWBORN CHILDREN: If a child is born to you and you have not elected Dependent child(ren) coverage, such child shall be an Insured Dependent child from the moment of birth. The newborn child shall be an Insured Dependent child for 31 days. He/she shall then cease to be an Insured Dependent child unless: (1) you request continuation of such Dependent child(ren) coverage within such 31 day period, and (2) the additional premium is paid for such coverage. LRS-9548-0318-IN Page 5.0