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<br />REDUCTIONS IN INSURANCE <br /> <br />If you or your Spouse reaches an age shown below, the amount of insurance will be the amount determined from the <br />Schedule of Insurance, multiplied by the appropriate percentage below. <br /> <br />Life and AD&D Insurance <br />Age <br />65 through 69 <br />70 through 74 <br />75 or over <br />Supplemental Life Insurance <br />Age <br />70 through 74 <br />75 through 79 <br />80 through 84 <br />85 through 89 <br />90 through 94 <br />95 or over <br /> <br />Percentage <br />65% <br />50% <br />35% <br /> <br />Percentage <br />65% <br />45% <br />30% <br />20% <br />15% <br />10% <br /> <br />OTHER PROVISIONS <br /> <br />Waiver Of Premium: <br />Limits on Right To Convert if <br />Group Policy terminates or is <br />amended: <br />Minimum Time Insured: <br />Maximum Conversion Amount: <br /> <br />Yes <br /> <br />Suicide Exclusions: <br /> <br />5 years <br />$10,000 <br /> <br />Apply to: <br />a. Supplemental Life Insurance; and <br />b. AD&D Insurance. <br /> <br />The first 60 days of a scheduled leave of absence. <br />Earnings in effect on your last full day of Active Work. <br /> <br />Leave of Absence Period: <br />AImual EarDings based on: <br />Earnings Period for Commissions <br />(see Definitions): <br /> <br />The preceding 12 calendar months. <br /> <br />PREMIUM RATES AND RENEWALS <br /> <br />Premium Rates <br />Life Insurance: <br />AD&D Insurance: <br /> <br />$.xx monthly per $1,000 of Life Insurance <br />$.xx monthly per $1,000 of AD&D Insurance <br /> <br />Printed 4196 Revised 4/96 <br /> <br />-3- <br /> <br />SAMPLE U, AD&D, DU, Sup. U <br />