TRANSFER OF INSURANCE COVERAGE If you and your Insured Dependents were covered under the Prior Plan prior to the Policy's Effective Date, you and your Insured Dependents will be covered under the Policy, provided: (1) you and your Insured Dependents must have been insured under the Prior Plan on the date of the transfer; and (2) premiums are paid; and (3) either: (a) you are Actively at Work and meet all of the requirements for being an Eligible Person under the Policy on its Effective Date; or (b) you are not Actively at Work due to Injury or Sickness on the Effective Date of the Policy but would otherwise qualify as an Eligible Person. With respect to Dependent coverage, the Effective Date of Dependent Insurance confinement limitation will not apply to any Dependent who was insured under the Prior Plan on the last day the Prior Plan was in effect up to the amount that was in effect under such Prior Plan. Any requested increases in the Amount of Dependent Insurance are subject to the Effective Date of Dependent Insurance confinement limitation. "Prior Plan" means any similar policy or plan of group or individual Critical Illness coverage sponsored by the Policyholder, which has been replaced by coverage entirely or in part under the Policy. In the event that the Policyholder acquires employees due to acquisition of another company after the Effective Date of the Policy, Prior Plan will include the policy or plan of group or Individual Critical Illness coverage sponsored by such company, which has been replaced by coverage entirely or in part under the Policy, on the date of acquisition under which those acquired employees and Dependents (if applicable) were insured. At our request, the Policyholder must provide us with proof of such Prior Plan. LRS-9538-3-0118 Page 3.0