Common use of ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE Clause in Contracts

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  you are not Disabled; and  no benefits are payable under this policy; and  you are not receiving disability benefits from any other source; and  the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  you are age 50 or younger; and  you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  • you are not Disabled; and  • no benefits are payable under this policy; and  • you are not receiving disability benefits from any other source; and  • the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  you are age 50 or younger; and  you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If You may decline an increase, but to keep this rider in effect, you must accept at least 50% of any benefit increase we receive offer and agree to pay the application less than 60 days before additional premium. For example, if we offer you a $400 increase in your basic monthly benefit, you must accept at least a $200 increase or this rider will end. GENERAL PROVISIONS RIDER PREMIUM There is no premium for this rider. RIDER EFFECTIVE DATE The effective date for this rider is the next Option same as the Policy Effective Date, it will be considered unless a different effective date has been given to this rider by an application for a Benefit Increase on that Option Date. Approval of endorsement signed by you and the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option DateOwner, if different.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  you are not Disabled; and  no benefits are payable under this policy; and  you are not receiving disability benefits from any other source; and  the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  you are age 50 or younger; and  you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  • you are not Disabled; and  • no benefits are payable under this policy; and  • you are not receiving disability benefits from any other source; and  • the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  • you are age 50 or younger; and  • you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  • at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. You may decline an increase, but to keep this rider in effect, you must accept at least 50% of any benefit increase we offer and agree to pay the additional premium. For example, if we offer you a $400 increase in your basic monthly benefit, you must accept at least a $200 increase or this rider will end. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  you are not Disabled; and  no benefits are payable under this policy; and  you are not receiving disability benefits from any other source; and  the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  you are age 50 or younger; and  you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. You may decline an increase, but to keep this rider in effect, you must accept at least 50 percent of any benefit increase we offer and agree to pay the additional premium. For example, if we offer you a $400 increase in your basic monthly benefit, you must accept at least a $200 increase or this rider will end. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you may be eligible for an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  • you are not Disabled; and  • no benefits are payable under this policy; and  • you are not receiving disability benefits from any other source; and  • the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order to keep this rider in force. ICC16-PR201(02/16) Page 2 ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  • you are age 50 or younger; and  • you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  • at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date.

ELIGIBILITY AND APPLICATION FOR A BENEFIT INCREASE. Applications for a Benefit Increase are submitted by the Owner. To keep this rider in force, the Owner must submit an application during each Benefit Increase Application Period for which you You may be eligible for decline an increase. Failure to do so will result in the termination of this rider. You may be eligible for a Benefit Increase if on the date of the application:  you are not Disabled; and  no benefits are payable under this policy; and  you are not receiving disability benefits from any other source; and  the policy is not in suspension for active military service. If you are not eligible for a Benefit Increase, or if an Accelerated Option Date occurred within the last 12 months, this rider will continue in force and the Owner may apply for a Benefit Increase during the next Benefit Increase Application Period. The application for a Benefit Increase will request information about your income and other disability income coverage in force or applied for. In addition, we will require documentation of your income and other information demonstrating that you are insurable under our then current underwriting rules and guidelines. Evidence of your health will not be required. Based on the information in the application and other required information, we will determine the amount of Benefit Increase, if any. We will offer a Benefit Increase up to the maximum amount you qualify for. If the Owner submits an application and you do not qualify for a Benefit Increase, this rider will remain in force. The Owner may then apply during the next Benefit Increase Application Period in order but to keep this rider in forceeffect, you must accept at least 50% of any benefit increase we offer and agree to pay the additional premium. ICC16-PR201(02/16) Page 2 For example, if we offer you a $400 increase in your basic monthly benefit, you must accept at least a $200 increase or this rider will end. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. ACCELERATED OPTION Once in any three consecutive year period the Owner may apply for an Accelerated Option, if at the time of the application:  • you are age 50 or younger; and  • you meet the eligibility requirements listed above in the Eligibility And Application For A Benefit Increase provision, above; and  • at least one of the following occurs: - your Earnings have increased by at least 30% since the last Option Date or, if the first Option Date has not yet occurred, since the Policy Effective Date; or - you are no longer eligible to participate in an employer’s group long-term disability (LTD) insurance plan; or a group LTD plan under which you were covered ends and has not been replaced with similar coverage. Discontinuing your participation in your employer’s voluntary group LTD plan does not satisfy this requirement. We must receive the application for an Accelerated Option not more than 90 days after the date your Earnings have increased or the date your coverage under a group LTD plan ends, whichever is applicable. In addition to the application, income documentation and other financial information, we may require information about your loss of LTD coverage, if applicable. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on the increase date and your original risk class. If we receive the application less than 60 days before the next Option Date, it will be considered an application for a Benefit Increase on that Option Date. Approval of the application will be subject to our Issue And Participation Limits and our underwriting rules and guidelines in effect at the time of your application. A Benefit Increase approved and accepted under the Accelerated Option will be effective on the Accelerated Option Date. ACCEPTANCE OF BENEFIT INCREASE No Benefit Increase will be placed in force until the Benefit Increase has been accepted by the Owner and the first full premium is paid. The Owner may accept less than 100% of any Benefit Increase we offer; however, acceptance of less than 50% will terminate this rider. PREMIUM FOR EACH BENEFIT INCREASE The premium for each Benefit Increase will be based on the rate for your attained age on the Option Date, or Accelerated Option Date if applicable. Your Risk Class for each Benefit Increase will be the same as it was on the effective date of this rider. PR201(8/18)CA Page 3 GENERAL PROVISIONS RIDER PREMIUM There is no premium for this rider. RIDER EFFECTIVE DATE The effective date for this rider is the same as the Policy Effective Date, unless a different effective date has been given to this rider by an endorsement signed by you and the Owner, if different.