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TABLE OF CONTENTS <br />• Schedule of Insurance ................................................................................................. ............................... 3 <br />Defmitions.................................................................................................................. ............................... <br />4 <br />GeneralProvisions ...................................................................................................... ............................... <br />5 <br />Eligibility and Effective Dates for Personal Insurance ............................................... ............................... <br />6 <br />IndividualTerminations ............................................................................................. ............................... <br />7 <br />Premiums and Premium Rates .................................................................................... ............................... <br />8 <br />GracePeriod ............................................................................................................... ............................... <br />9 <br />PolicyTermination ..................................................................................................... ............................... <br />9 <br />Beneficiary................................................................................................................. ............................... <br />10 <br />Facilityof Payment ..................................................................................................... ............................... <br />11 <br />DeathBenefit .............................................................................................................. ............................... <br />11 <br />SettlementOptions ..................................................................................................... ............................... <br />11 <br />• Extension of Death Benefit ......................................................................................... ............................... <br />12 <br />LivingBenefit ............................................................................................................. ............................... <br />13 <br />ConversionPrivilege .................................................................................................. ............................... <br />15 <br />Dependents Life Insurance ......................................................................................... ............................... <br />16 <br />Claims Procedures for Life or Accidental Death and Dismemberment Benefits ....... ............................... <br />18 <br />Accidental Death and Dismemberment Insurance ...................................................... ............................... <br />20 <br />Prior Insurance Credit Provision ................................................................................ ............................... <br />21 <br />GL1101 -1 <br />2 05/01/01 <br />