INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION ELIGIBLE CLASSES: The eligible classes will be those persons described on the Schedule of Benefits. ELIGIBILITY REQUIREMENTS: You are eligible for insurance under the Policy if you are a member of an Eligible Class, as shown on the Schedule of Benefits page. EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If the Policyholder pays the entire premium, the insurance for an Eligible Person will go into effect on the date stated on the Schedule of Benefits. If you, as an Eligible Person, pay a part of the premium, you must apply within 31 days of the date you are first eligible for insurance coverage and in writing on a form provided by us for the insurance to go into effect. You will become insured on the later of: (1) the Individual Effective Date stated on the Schedule of Benefits, if you apply on or before that date; or (2) the first day of the month following the date you apply, if you apply within 31 days from the date you first met the eligibility requirements; or (3) the first day of the month following the date we approve any required proof of good health. We require proof of good health if you apply: (a) after 31 days from the date you first become eligible; or (b) after you terminated this insurance but you remained in a class eligible for this insurance; or (c) for an Amount of Insurance greater than you were insured for with the prior group Critical Illness plan, if applicable; or (d) after being eligible for coverage under a prior group Critical Illness plan for more than 31 days but did not elect to be covered under that prior plan; or (4) the date premium is remitted. If an Eligible Person has been previously declined for coverage by us, had an application withdrawn or marked incomplete for any reason, or voluntarily terminated his/her insurance coverage with us, all future requests for coverage are subject to submission and our approval of proof of good health. However, proof of good health will not be required if an Eligible Person who voluntarily terminated his/her insurance coverage with us makes a future request due to a life event change or during any approved enrollment period. Changes in your Amount of Insurance are effective as shown on the Schedule of Benefits. If you are not Actively at Work on the day your insurance is to go into effect, the insurance will go into effect on the day you return to Active Work for one full day. TERMINATION OF INDIVIDUAL INSURANCE: Your insurance will terminate on the first of the following to occur: (1) the date the Policy terminates; or (2) the last day of the Policy month in which you cease to be in a class eligible for this insurance; or (3) the end of the period for which premium has been paid; or (4) the date when the lifetime maximum benefit has been paid under the Policy; or (5) the date you enter military service on active duty (not including Reserve or National Guard). CONTINUATION OF INDIVIDUAL INSURANCE: Your insurance and that of any Insured Dependents may be continued, by payment of premium, beyond the date you cease to be eligible for this insurance, but not longer than: (1) 12 months, if due to Injury or Sickness; or (2) 1 month, if due to approved leave of absence; or (3) 1 month, if due to temporary lay-off. LRS-9538-5-0118 Page 5.0