RECURRENCE(S) 50% of the benefit payable (not applicable to Skin Cancer) SUBSEQUENT OCCURRENCE(S) 100% of the benefit payable LIFETIME MAXIMUM BENEFIT 1000% of the Amount of Insurance WELLNESS BENEFIT $50 CHANGES IN AMOUNT OF INSURANCE: Increases in the Amount of Insurance for any reason are effective on the January 1st coinciding with or next following the date of the change, provided the Insured Person is Actively at Work on the effective date of the change. If the Insured Person is not Actively at Work when the change would otherwise take effect, the change will take effect on the day after the Insured Person has returned to Active Work in an eligible class for one full day. Decreases in the Amount of Insurance are effective on the January 1st coinciding with or next following the date of the change. If an increase in, or initial application for, the Amount of Insurance is due to a life event change (such as marriage, birth or specific changes in employment status), proof of good health will not be required for amounts up to the guaranteed issue amount, provided the Eligible Person (a) applies within 31 days of such life event; and (b) was not previously declined for group Critical Illness coverage with us; and (c) did not have a prior application withdrawn or marked incomplete for any reason. CONTRIBUTIONS: Insured Person: 100% Insured Dependent: 100% Receipt of benefits under this Policy may be taxable. It is recommended that the Insured contact his/her personal tax advisor. LRS-9537-1-0118 Page 1.2