CONFORMITY WITH STATE LAWS: Any provision in this Policy which, on its Effective Date, is in conflict with the laws in the state where it is issued or in a state that otherwise has jurisdiction over such provision, is amended to conform with the minimum requirements of such laws of that state. CERTIFICATE OF INSURANCE: We will send to you a certificate of insurance for distribution to each Insured Person and you agree to distribute a certificate to each Insured Person. The certificate will outline the insurance coverage and to whom benefits are payable. POLICY TERMINATION: You may cancel this Policy at any time by providing us with written notice. This Policy will be cancelled on the date we receive your letter or, if later, the date requested in your letter. We may cancel this Policy: (1) if the premium is not paid at the end of the grace period; or (2) if the number of Insured Persons covered is less than the Minimum Participation Number on the Schedule of Benefits. If we cancel because of (1) above, this Policy will be cancelled at the end of the grace period. If we cancel because of (2) above, we will give you 31 days written notice prior to the date of cancellation. You will still owe us any premium that is not paid up to the date this Policy is cancelled. We will return any part of the premium paid beyond the date this Policy is cancelled. LRS-9547-0318-IN Page 4.1