PORTABILITY The Insured Person may continue the Group Accident insurance coverage under this Policy and that of his/her Insured Dependents if coverage would otherwise terminate because he/she ceases to be an Eligible Person, for reasons other than the termination of this Policy or the Insured Person's retirement provided he/she: (1) notifies us in writing within 31 days from the date he/she ceases to be eligible; and (2) remits the necessary premiums when due. The Benefit Amount available under the Portability provision will be the current Benefit Amount the Insured is insured for under this Policy on the last day the Insured Person was Actively at Work. The premium charged to continue coverage will be based on the prevailing rate charged to Insured Persons who choose to continue coverage under the Portability provision. Such premium will be billed directly to the Insured Person on a quarterly basis. Insurance coverage continued under this provision for the Insured Person or his/her Insured Dependents will terminate on the first of the following to occur: (1) the end of the period for which premium has been paid; or (2) the date the Insured Person reaches age 70; or (3) at any time coverage would normally terminate according to the terms of this Policy had the Insured Person continued to be an Eligible Person. In addition, coverage will reduce at any time it would normally reduce according to the terms of this Policy had the Insured Person and Insured Dependent spouse continued to be eligible. If this Policy terminates subsequent to the Insured Person's election to continue his/her coverage and that of his/her Insured Dependents, in accordance with the Portability provision, such coverage will be continued in accordance with the provisions of the Insured Person's certificate. LRS-9547-0318-IN Page 7.0