PORTABILITY You may continue Critical Illness insurance coverage under the Policy and that of your Insured Dependents if coverage would otherwise terminate because you cease to be an Eligible Person, for reasons other than the termination of the Policy, your retirement or termination of spouse coverage provided you: (1) notify us in writing within 31 days from the date insurance coverage is terminated under the Policy; and (2) remit the necessary premium when due. The Amount of Insurance available under the Portability provision will be the current Amount of Insurance you and your Insured Dependents are insured for under the Policy on the last day you were Actively at Work. The premium charged to continue coverage will be based on the prevailing rate charged to all Insureds who choose to continue coverage under this provision. The premium will be billed directly to you on a quarterly basis. Insurance coverage continued under this provision for you or your Insured Dependents will terminate on the first of the following to occur: (1) the end of the period for which premium has been paid; (2) the date you reach age 70; (3) at any time coverage would normally terminate according to the terms of the Policy had you continued to be an Eligible Person; or (4) the date the Insured Dependent spouse attains age 75, with respect to Insured Dependent spouse coverage continued this provision. In addition, coverage will reduce at any time it would normally reduce according to the terms of the Policy had you and your Insured Dependents continued to be eligible. If the Policy terminates subsequent to your election to continue your coverage and that of your Insured Dependents in accordance with the Portability provision, such coverage will be continued in accordance with the provisions of your certificate. LRS-9538-7-0118 Page 7.0