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LIFE INSURANCE A. Insuring Clause If you die while insured for Life Insurance, we will pay benefits according to the terms of the Group Policy after we receive satisfactory Proof Of Loss. B. Amount Of Life Insurance See the Coverage Features for the amount of your Life Insurance. C. Changes In Life Insurance Subject to 1 and 2 below, a change in your Life Insurance will become effective on the first day of the calendar month coinciding with or next followiDg the date of change in classification, age, Annual Earnings, or other factor shown in the Coverage Features. 1. All increases in your Life Insurance are subject to the Active Work Provisions. 2. Insurance which exceeds any Guarantee Issue Amount shown in the Coverage Features will become effective on the date we approve your Evidence Of Insurability. D. When Life Insurance Becomes Effective The Coverage Features states whether your Life Insurance is Contributory or Noncontributory. 1. Noncontributory Life Insurance Subject to the Active Work Provisions, your Noncontributory Life Insurance becomes effective on the date you become eligible. 2. Contributory Life Insurance You must apply in writing for Contributory Life Insurance and agree to pay premiums. Subject to the Active Work Provisions, your Life Insurance becomes effective on: a. The date you become eligible, if you apply on or before that date; b. The date you apply, if you apply within 31 days after you become eligible; or c. The date we approve your Evidence Of Insurability, if you apply more than 31 days after you become eligible (late application). 3. Insurance Subject To Evidence Of Insurability Subject to the Active Work Provisions, insurance subject to Evidence Of Insurability becomes effective on the date we approve Evidence Of Insurability. 4. Takeover Provisions a. If you were insured under the Prior Plan on the day before the effective date of your Employer's coverage under the Group Policy, your Eligibility Waiting Period is waived on the effective date of your Employer's coverage under the Group Policy. b. You must submit satisfactory Evidence Of Insurability to become insured for Life Insurance if you were eligible under the Prior Plan for more than 31 days but were not insured. E. When Life Insurance Ends Your Life Insurance ends automatically on the earliest of: 1. The date the last period ends for which you made a premium contribution, if your insurance is Contributory; 2. The date the Group Policy terminates; 3. The date your employment terminates; and 4. The date you cease to be a Member. However, your Life Insurance will be continued with premium payment duringthefollowingperiods while you are not a Member because you are regularly working less than the minimum number of hours, unless your insurance ends under 1 through 3 above. Printed 4196 Revised 4196 -5- SAMPLE U,AD&D, DU, Sup. U