BENEFIT PROVISIONS We will pay a lump sum benefit in the amount shown in the Schedule of Benefits to the Insured if the Insured is Diagnosed with a Critical Illness shown below. Payment of the benefit is subject to all of the following: (1) the Diagnosis must have been made within the United States or its territories; and (2) the Insured’s coverage must be in force under this Policy at the time of Diagnosis of a Critical Illness; and (3) any exclusions, limitations or conditions expressed in this Policy; and (4) any age reductions shown on the Schedule of Benefits. CRITICAL ILLNESSES: "Alzheimer's Disease" means the development of multiple, progressive cognitive deficits manifested by memory impairment (impaired ability to learn new information or to recall previously learned information) and one or more of the following cognitive disturbances: (1) aphasia (language disturbance); (2) apraxia (impaired ability to carry out motor activities despite intact motor function); (3) agnosia (failure to recognize or identify objects despite intact sensory function); and (4) disturbance in executive functioning (i.e. planning, organizing, sequencing, abstracting). Diagnosis of Alzheimer's Disease must be supported by all of the following: (1) formal neuropsychological testing confirming dementia; (2) laboratory tests have been completed as part of the evaluation to rule out etiologies other than Alzheimer's Disease; and (3) magnetic resonance imaging, computerized tomography or other reliable imaging techniques that have been completed as part of the evaluation to rule out etiologies other than Alzheimer's Disease. A Critical Illness benefit will not be payable for Alzheimer's Disease for: (1) other central nervous system conditions that may cause deficits in memory and cognition (e.g., cerebrovascular disease, Parkinson's disease, normal-pressure hydrocephalus); (2) systemic conditions that are known to cause dementia (e.g., ETOH (Ethanol) abuse, hypothyroidism, vitamin B12 or folic acid deficiency, niacin deficiency, hypercalcemia, neurosyphilis); (3) substance-induced conditions; or (4) any form of dementia that is not diagnosed as Alzheimer's Disease. "Benign Brain Tumor" means a brain tumor that is not cancerous. Benign Brain Tumor does not include: (1) tumors of the skull; (2) pituitary adenomas; or (3) germanomas. "Carcinoma in situ" means cancer in which the tumor cells still lie within the tissue of the site of origin without having invaded neighboring tissue. The term "Carcinoma in situ" does not mean: (1) pre-malignant lesions such as intraepithelial neoplasia; (2) malignant melanoma of less than .75 mm. maximum thickness as determined by histological examination using the Breslow method; or (3) benign tumors or polyps. Carcinoma in situ must be Diagnosed pursuant to a pathological diagnosis. We will, however, pay benefits based on a clinical diagnosis if pathological diagnosis is impossible because it is life threatening or medically inappropriate. LRS-9537-9-0118 Page 9.0