DEPENDENT CRITICAL ILLNESS INSURANCE Nothing in this section will change or affect any of the terms of this Policy other than as specifically set out in this section. All the Policy provisions not in conflict with these provisions shall apply to this section. When an Insured Dependent is Diagnosed with a Critical Illness in accordance with the Critical Illness Benefit provision we will pay the applicable benefit shown on the Schedule of Benefits. Only dependents that meet the definition of Dependent can be insured for this benefit. Any benefit payable for an Insured Dependent will be paid to the Insured unless another individual has been designated as beneficiary. A person may not have coverage under this Policy both as an Insured Person and as an Insured Dependent. Only one eligible spouse may cover the eligible children as Insured Dependents. The spouse may be covered as a Dependent if not covered as an Insured Person. If insurance is in force for an Insured Dependent child, any newly eligible Dependent child(ren) will be automatically insured. ELIGIBILITY: An Eligible Person is eligible to enroll his/her Dependents on the date he/she becomes an Insured Person. EFFECTIVE DATE OF DEPENDENT INSURANCE: If you pay the entire premium, the insurance up to the guaranteed issue amount for a Dependent will become effective on the later of: (1) the first day of the month following the date the Insured Person becomes eligible to enroll his/her Dependents; or (2) the first day of the month following the date the dependent meets the definition of Dependent. If you require an Insured Person to pay a portion of the Dependent premium, he/she may insure his/her Dependents by making written application. In this case, the insurance for Dependents will take effect on the later of: (1) the first day of the month following the date the Insured Person becomes eligible to enroll his/her Dependents; or (2) the first day of the month following the date the dependent meets the definition of Dependent, if application is made on or before that date; or (3) the first day of the month following the date of application, if application is made within 31 days from the date the Dependent first becomes eligible for this insurance, or (4) the first day of the month following the date we approve any required proof of good health. Proof of good health forms are available from us upon request. It is your responsibility to provide proof of good heath forms to Eligible Persons when required. We require proof of good health if an Insured Person makes application for Dependent spouse insurance: (a) after 31 days from the date the Dependent spouse first becomes eligible for this insurance; or (b) after a prior termination of insurance as long as the Dependent spouse remained eligible for Dependent insurance; or (c) for an Amount of Insurance greater than he/she was insured for with the prior group Critical Illness plan; or (d) after the Dependent spouse was 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 (5) the date premium is remitted. If the Dependent spouse 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 the Dependent who voluntarily terminated his/her insurance coverage with us makes a future request for insurance coverage due to a life event change or during any approved enrollment period. For a Dependent who is confined in a Hospital or Medical Facility (other than newborn children) or at home on the date on which he/she would otherwise become insured, insurance will be effective as of the date the confinement ends. Changes in the Insured Dependent’s Amount of Insurance are effective as shown on the Schedule of Benefits. LRS-9537-7-0118-IN Page 7.0