GENERAL PROVISIONS INCONTESTABILITY: Any statements made by you, or any Insured Dependent, or on your behalf or any Insured Dependent's behalf 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 Amount of Insurance for which you or any 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, 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 two years during your lifetime or an 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 two years during your lifetime or any Insured Dependent's lifetime. 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. If appropriate, a fair adjustment of premium will be made to correct a clerical error. 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 any person 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 fact 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). ASSIGNMENT: The benefits under the Policy may not be assigned, except as required by law. NOT IN LIEU OF WORKERS’ COMPENSATION: The Policy is not a Workers’ Compensation Policy. It does not provide Workers’ Compensation benefits. LRS-9538-4-0118 Page 4.0