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G. Termination Or Amendment Of The Group Policy Insurance will not be affected by termination or amendment of the Group Policy after you become Totally Disabled. H. When Waiver Of Premium Ends Waiver of Premium ends on the earliest of: 1. The date you cease to be Totally Disabled; 2. 90 days after the date we mail you a request for additional Proof Of Loss, if it is not given; 3. The date you fail to attend an ~l'Imin8tion or cooperate with the eYl'Iminer; 4. With respect to the amount of Insurance wbich an insured has converted, the effective date of the individual life insurance policy issued to the insured; and 5. The date you reach age 65. U.WP.46 ACCELERATED BENEFIT A. Accelerated Benefit If you qualify for Waiver Of Premium and incur a Qualifying Medical Condition while you are insured under the Group Policy, we will pay anAccelerated Benefit to you according to the terms of the Group Policy after we receive satisfactory Proof Of Loss. Qualifying Medical Condition means you are terminally ill, with a life expectancy of less than 12 months. We may have you ~l'Im;ned at our expense in connection with your claim for an Accelerated Benefit. Any such I"Yl'Im;ns:l:ti.on will be conducted by one or more Physicians of our choice. B. Application For Accelerated Benefit You must have at least $10,000 of Insurance in effect to be eligible. You must apply for an Accelerated Benefit. To apply you must give us satisfactory Proof Of Loss on our forms. Proof Of Loss must include a statement from a Physician that you have a Qualifying Medical Condition. C. Amount Of Accelerated Benefit You may receive an Accelerated Benefit ofup to 50% of your Insurance. The J11l'1Yimum Accelerated Benefit is $250,000. The minimum Accelerated Benefit is $5,000 or 10% of your Insurance, whichever is greater. If the amount of your Insurance is scheduled to reduce within 24 months following the date you apply for the Accelerated Benefit, your Accelerated Benefit will be based on the reduced amount. If your Insurance is scheduled to end within 24 months following the date you apply for the Accelerated Benefit, you will not be eligible for the Accelerated Benefit. You may elect an Accelerated Benefit once in your lifetime. The Accelerated Benefit will be paid to you in a lump sum. If you recover from your Qualifying Medical Condition after receiving an Accelerated Benefit, we will not ask you for a refund. D. Effect On Insurance And Other Benefits The amount of your Insurance after payment of the Accelerated Benefit will be: 1. The amount of your Insurance as if no Accelerated Benefit had been paid; minus 2. The amount of the Accelerated Benefit; minus Printed 4196 Revised 4/96 -12- SAMPLE U. AD&D. DU. Sup. U