PORTABILITY The Insured Person may continue Critical Illness insurance coverage under this Policy and that of his/her Insured Dependents if coverage would otherwise terminate because he/she ceases to be an Eligible Person, for reasons other than the termination of this Policy, the Insured Person's retirement or termination of spouse coverage provided he/she: (1) notifies us in writing within 31 days from the date insurance coverage is terminated under this Policy; and (2) remits the necessary premiums when due. The Amount of Insurance available under the Portability provision will be the current Amount of Insurance the Insured is insured for under this Policy on the last day the Insured Person was 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 the Insured on a quarterly basis. Insurance coverage continued under this provision for an Insured and his/her 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 the Insured Person attains age 70; (3) at any time coverage would normally terminate according to the terms of this Policy had the Insured Person 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 under this provision. In addition, coverage will reduce at any time it would normally reduce according to the terms of this Policy had the Insured Person continued to be eligible. If this Policy terminates subsequent to the Insured Person's election to continue his/her coverage and that of his/her Insured Dependents in accordance with this Portability provision, such coverage will be continued in accordance with the provisions of the Insured Person’s certificate. LRS-9537-8-0118 Page 8.0