CLAIMS PROVISIONS NOTICE OF CLAIM: Written notice must be given to us within 31 days after the date of the Diagnosis of a Critical Illness, or as soon as reasonably possible. The notice should be sent to us at our Administrative Offices or to our authorized agent. The notice should include the Policyholder's Name, your or your Insured Dependent's name and the Policy Number. CLAIM FORMS: When we receive written notice of a claim, we will send claim forms to the claimant within 15 days. If we do not, the claimant will satisfy the requirements of written proof of loss by sending us written proof as shown below. The proof must describe the occurrence, character, and extent of the loss. PROOF OF LOSS: For any covered Critical Illness or health screening test, written proof must be sent to us within 90 days. If it is not reasonably possible to give proof within 90 days, the claim is not affected if the proof is sent as soon as reasonably possible. In any event, proof must be given within one year, unless the claimant is legally incapable of doing so. Proof of Loss for a covered Critical Illness must include, at your expense, all of the following information: (1) the date of Diagnosis; (2) a completed claim form signed by you or your Insured Dependent and your or your Insured Dependent's Physician(s); (3) supporting documentation from the Physician, including but not limited to, clinical, radiological, pathological; histological or laboratory evidence of Critical Illness; and (4) the name and address of any Hospital or Medical Facility, as well as the Physician, providing Treatment prior to the Diagnosis. TIME OF PAYMENT OF CLAIMS: When we receive satisfactory written proof of loss, we will pay any benefits due within 30 days if the claim was submitted electronically. If the claim was not submitted electronically, we will pay any benefits due within 45 days. Benefits that provide for periodic payment will be paid accordingly. PAYMENT OF CLAIMS: All benefits will be paid to you, if living. Any benefits unpaid at the time of death will be paid to the beneficiary. PHYSICAL EXAMINATION AND AUTOPSY: At our own expense, we will have the right to have you or your Insured Dependent examined as often as reasonably necessary when a claim is pending. We can also have an autopsy performed unless prohibited by law. LEGAL ACTION: No legal action may be brought against us to recover on the Policy within 60 days after written proof of loss has been given as required by the Policy. No action may be brought after three years from the time written proof of loss is required to be submitted. LRS-9538-11-0118-IN Page 11.0