INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION GENERAL GROUP: The general group will be your employees and employees of any subsidiaries, divisions or affiliates named on the Schedule of Benefits. ELIGIBLE CLASSES: The eligible classes will be those persons described on the Schedule of Benefits. ELIGIBILITY REQUIREMENTS: A person is eligible for insurance under this Policy if he/she is a member of an Eligible Class, as shown on the Schedule of Benefits page. EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If you pay the entire premium, the insurance up to the guaranteed issue amount for an Eligible Person will go into effect on the date stated on the Schedule of Benefits. If an Eligible Person pays a part of the premium, he/she must apply within 31 days of the date he/she is first eligible for insurance coverage for the insurance to go into effect. He/she will become insured on the later of: (1) the Individual Effective Date shown on the Schedule of Benefits, if he/she applies on or before that date; or (2) the first day of the month following the date he/she applies, if he/she applies within 31 days from the date he/she 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 a person applies: (a) after 31 days from the date he/she first becomes eligible; or (b) after he/she terminated this insurance but he/she remained in a class eligible for this insurance; or (c) for an Amount of Insurance greater than he/she was 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. Proof of good health forms are available from us upon request. It is your responsibility to provide proof of good health forms to Eligible Persons when required. If an Eligible Person has been previously declined for coverage by us, had an application withdrawn or marked incomplete for any reason, or voluntarily terminated his/her insurance coverage with us, all future requests for coverage are subject to submission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 the Insured's Amount of Insurance are effective as shown on the Schedule of Benefits. If the Eligible Person is not Actively at Work on the day his/her insurance is to go into effect, the insurance will go into effect on the day he/she returns to Active Work in an Eligible Class for one full day. TERMINATION OF INDIVIDUAL INSURANCE: The insurance of the Insured will terminate on the first of the following to occur: (1) the date this Policy terminates; or (2) the last day of the Policy month in which the Insured Person ceases 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 this Policy; or (5) the date the Insured enters military service on active duty (not including Reserve or National Guard). CONTINUATION OF INDIVIDUAL INSURANCE: The insurance may be continued, by payment of premium, beyond the date the Insured Person ceases 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-9537-6-0118 Page 6.0