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EXTENSION OF DEATH BENEFIT BENEFIT. Life insurance will be continued, without payment of premiums, for an Insured Person who: (1) becomes Totally Disabled while insured under this policy and before reaching age 70; (2) remains Totally Disabled for at least 6 months in a row; and (3) submits satisfactory proof within the 7th through the 12th months of disability; or: (a) as soon as reasonably possible after that; but (b) not later than the 24th month of disability, unless he or she was legally incapacitated, PREMIUM PAYMENT, Premium payments must continue until: (1) the day the Insured Person is approved for this Extension of Death BenefIt; or (2) the day this Policy terminates (whichever occurs fIrst). Upon receipt of satisfactory proof, the Company will refund up to 12 months' premium paid for the Insured Person's life insurance, from the 1st day of Total Disability. DEFINITION. For this benefIt, Total Disability or Totally Disabled means an Insured Person: (1) is unable, due to sickness or injury, to engage in any employment or occupation for which such Insured Person is or becomes qualifIed by reason of education, training, or experience; and (2) is not engaging in any gainful employment or occupation. AMOUNT CONTINUED. The life insurance continued by this section: (1) will be the amount of Personal Life Insurance and any Dependent Life Insurance in effect on the day the Insured Person's Total Disability begins; and (2) will be subject to the reductions and terminations in effect under this Policy on that day, If the Insured Person receives an Accelerated Death BenefIt, the amount will be reduced in accord with that provision, Any Accidental Death and Dismemberment BenefIt will not be continued. ADDITIONAL PROOF, At any time during this continuation, the Company may require the Insured Person: (1) to submit further proof of his or her continued Total Disability; and (2) to be examined by a Physician of the Company's choice, as often as reasonably necessary. After the fIrst two years of Total Disability, the Company will not request proof or an exam more than once a year. Proof will be at 'he Insured Person's expense; unless the Company requests an exam by a Physician of its choice. When an Insured Person dies after submitting proof, further proof must be submitted to the Company showing that he or she remained continuously and Totally Disabled until death, When an Insured Person dies within 12 months after Total Disability begins, but before submitting proof; then his or her death benefIt will still be paid under the terms of this Policy, But the Company must fIrst receive satisfactory proof of his or her continuous Total Disability, from the last day of Active Work until the date of death, TERMINATION, Any life insurance extended under this section will terminate automatically on: (1) the day the Insured Person ceases to be Totally Disabled; (2) the day the Insured Person fails to take a required medical examination; (3) the 60th day after the Company mails a request for additional proof, if it is not given; (4) the effective date of the Insured Person's individual conversion policy, with respect to any amount of life insurance converted in accord with the Conversion Privilege section; or (5) the day the Insured Person reaches age 70 (whichever occurs fIrst), RIGHTS AFTER TERMINATION. If Total Disability ends, and the Insured Person does not return to a class eligible for Policy coverage; then he or she may exercise the Conversion Privilege. If Total Disability ends, and the Insured Person does return to an eligible class; then his or her Policy coverage will resume when premium payments are resumed, and any conversion policy is surrendered as provided below. CONVERSION POLICIES, If the Insured Person has exercised the Conversion Privilege, and the benefIts payable under this Policy and the conversion policy combined would exceed: (1) the Insured Person's original amount of Policy coverage prior to the conversion; or (2) any greater amount for which he or she later becomes insured under this Policy; . then benefIts will be payable under the terms of this Policy. But the conversion policy must fIrst be surrendered to the Company; and no claim may be made under the conversion policy, except for refund of premium less any dividends and policy loans, 12 Stand. Ext. 05/01/01 GL1101-9 96 FL