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..,' DEPENDENTS LIFE INSURANCE BENEFIT. Upon receipt of satisfactory proof of a Dependent's death while insured under this Policy, the Company will pay the amount of the Dependents Life Insurance in effect on the date of such death. This amount is shown in the Schedule of Insurance. The death benefIt will be paid: ( 1) to the Insured Person; or (2) if the Insured Person fails to survive the Dependent, to the Insured Person's BenefIciary or according to the Facility of Payment Section. DEPENDENT. A Dependent means a person who meets the defmition of a dependent of the Insured Person under the provision of the U.S. Internal Revenue Code; and is an Insured Person's: (1) spouse who is not legally separated from the Insured Person; (2) unmarried child at least 14 days but less than 19 years of age; (3) unmarried child less than 23 years of age, if attending an accredited educational institution for the minimum credit hours required to maintain full-time student status there; or (4) unmarried child who is totally and permanently disabled and who became so disabled prior to reaching 19 years of age. A legally adopted child is considered the Insured Person's child from the date of placement in the Insured Person's home for an agency adoption; or from the date the adoption petition is fIled, if later, for a private adoption. In addition to naturally born and legally adopted children, the word "child" includes an Insured Person's stepchild or foster child; provided the child resides in the Insured Person's household and is dependent on the Insured Person for principal support. The term Dependent does not include anyone serving in the armed forces of any state or country; except for duty of 30 days or less for training in the Reserves or National Guard. ELIGIBILITY. An Insured Person becomes eligible for Dependents Life Insurance on the latest of: (1) the date the Insured Person becomes eligible for Personal Insurance; (2) the effective date of this Section; or (3) the date the Insured Person fIrst acquires a Dependent. SFFECTIVE DATES, An Insured Person's Dependents Life Insurance will become effective on the latest of the following dates: (1) the date the Insured Person becomes eligible for Dependents Life Insurance; (2) the date the Insured Person makes written application for Dependents Life Insurance and signs a payroll deduction order; and (3) the date the Company approves any required evidence of insurability on all the Insured Person's Dependents. If an Insured Person acquires a new Dependent while insured for Dependents Life Insurance, insurance for that Dependent will take effect on the date the Dependent is acquired. If a Dependent is confmed in a hospital on the date his or her Dependents Life Insurance would otherwise take effect, then Dependents Life Insurance for that Dependent will not take effect until ten days after fmal discharge from the hospital. 16 B - wlo Suicide Exclusion 05101/01 GLllOl-1lB 97