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<br />TABLE OF CONTENTS
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<br />Schedule of Insurance,......,... ,....,.... ,.........,....,.... ,.......,....,... ...... ..... ...... ..........,..,.. .........,........ ...... ............. 3
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<br />DefInitions.""....".".",.....,.",.".,.,.....,.".,.""",.,..............,..""..",.,.",.,.......",.,."",.,..,......, ..."...."..."."...... 4
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<br />General Provisions,......""."""".,...",.".",.....,.,.........,.."..,.",."..,..,....,.".,.,."..",.........,..,..."."" ,.'"......,..,., 5
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<br />Eligibility and Effective Dates for Personal Insurance..,........................................................................... 6
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<br />Individual Terminations. .......,..........,.................,......,.,........ ..................... ...... ...,.."..,........,..,..,.... ,........... 7
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<br />Premiums and Premium Rates. ..........,.........,. ............................"...... ..... ..........,.." ...............,.., ...... .........., 8
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<br />Grace Period"""..,.........."".......,.".".....".,....",.."".".",.,......,.....",...".,........,...",.."........".., ..,...... ........... 9
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<br />Policy Termination.......,..,........,.,....,...........,......"'.,.....""""..........,.,...............,.."'..,....,..,.".,..,..... .....,..,., 9
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<br />BenefIciary .",.,..."..,..,..."".,.,.........".,.""".,......,.,.,.,..,.,.,.,.",....,....".".".........."".,...",.,."....,.,.,.... .........,. 10
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<br />Facility of Payment... .., ",.,. ,.,..,. ."..,., ",..", .,.,.,., ...." ....,."", ".,., ..."..".., ,.,.,." ... ,..., ,.., ,..".,.. ....,..,., ,:,. ".,.....,. 11
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<br />Death BenefIt......"".,.......,.".."."..",.........,.""""",.,..,............""",.."..,.......,....,."...,.......,....,., ,........... ....., 11
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<br />Settlement Options ..,..,.",.".......".,.".,.,......,.,....,............,..""..,......,.,."..,.,.".....,....."."."........,.".,..,.".. .... 11
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<br />Extension of Death BenefIt...,., ,.,..." ,.,.... ...,....,..",...... ,.,.,.., ,. ..........,.,."" ,. ,.., ,.... ,... ,., ,.,..,., ,... .....,..,..,.....,... 12
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<br />Living BenefIt.............,..........,...,.,....,.....,.....................,.....",.,...,........,.,...".,..,........,..".."........ ...,....."..... 13
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<br />Conversion Privilege .,..., ....,.,.,., ,."" ,., ".... ,.,.,. ,.", "..,.,. .,." ,..,..... ..... ,., ".., .......... ,... ,.. ,.. ..... ..... .,." ..... ........... 15
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<br />Dependents Life Insurance.............,.... ..... ,....................... .......... ,.......... ........................... .... .....,..,.... ........ 16
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<br />Claims Procedures for Life or Accidental Death and Dismemberment BenefIts ................,..................... 18
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<br />Accidental Death and Dismemberment Insurance................,....""...,..".........,.",.......,...........".,."............20
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<br />Prior Insurance Credit Provision.......... ............... ......... ...... ....... ................. ........, ...................................... 21
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<br />GL1101-1
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<br />OSlO 1/0 1
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