Common use of POLICY TERMINATION Clause in Contracts

POLICY TERMINATION. If a premium is not paid by the end of its grace period, the policy will terminate. This policy will also terminate on the earliest of: • 12:01 a.m. on the Termination Date shown on the data page, unless this policy is being continued under the Renewal Option After The Termination Date provision; • the date you are no longer regularly employed for at least 30 hours per week, if this policy is continued under the Renewal Option, unless you are Disabled on that date under the policy terms. If the policy terminates for this reason, we will refund any premium paid for the period beyond the date the policy terminates; • the date you Recover from your Disability covered by the Renewal Option, if the policy is continued under that Option; • the date the policy terminates under the Suspension During Military Service provision; or • the date of your death. After we receive notice of your death, we will refund to the Owner or the Owner’s estate any premium paid for the period beyond the date of death. B180(7/17) Page 15 If you’re still working 30 or more hours a week at the time of the policy’s termination date, you can request to continue the policy under this renewal option. If you renew your policy after the termination date, you can receive benefits for up to two years if you become totally disabled before age 75. If your total disability begins after age 75, the maximum benefit period is one year. In addition, the Owner may terminate this policy by sending us a written request. Such termination will be effective on the date the request is received at our Home Office, or on the date the Owner requests, subject to our approval. We will refund any premium paid for the period beyond the effective date of the termination.

POLICY TERMINATION. If a premium is not paid by the end of its grace period, the policy will terminate. This policy will also terminate on the earliest of: • 12:01 a.m. on the Termination Date shown on the data page, unless this policy is being continued under the Renewal Option After The Termination Date provision; • the date you are no longer regularly employed for at least 30 hours per week, if this policy is continued under the Renewal Option, unless you are Disabled on that date under the policy terms. If the policy terminates for this reason, we will refund any premium paid for the period beyond the date the policy terminates; • the date you Recover from your Disability covered by the Renewal Option, if the policy is continued under that Option; • the date the policy terminates under the Suspension During Military Service provision; or • the date of your death. After we receive notice of your death, we will refund to the Owner or the Owner’s estate any premium paid for the period beyond the date of death. B180(7/17) B180GSI(9/16)NY Page 15 13 If you’re still working 30 or more hours a week at the time of the policy’s termination date, you can request to continue the policy under this renewal option. If you renew your policy after the termination date, you can receive benefits for up to two years if you become totally disabled before age 75. If your total disability begins after age 75, the maximum benefit period is one year. In addition, the Owner may terminate this policy by sending us a written request. Such termination will be effective on the date the request is received at our Home Administrative Office, or on the date the Owner requests, subject to our approval. We will refund any premium paid for the period beyond the effective date of the termination.

POLICY TERMINATION. If a premium is not paid by the end of its grace period, the policy will terminate. This policy will also terminate on the earliest of: • 12:01 a.m. on the Termination Date shown on the data page, unless this policy is being continued under the Renewal Option After The Termination Date provision; • the date you are no longer regularly employed for at least 30 hours per week, if this policy is continued under the Renewal Option, unless you are Disabled on that date under the policy terms. If the policy terminates for this reason, we will refund any premium paid for the period beyond the date the policy terminates; B180GSI(8/18)CA Page 14 • the date you Recover from your Disability covered by the Renewal Option, if the policy is continued under that Option; • the date the policy terminates under the Suspension During Military Service provision; or • the date of your death. After we receive notice of your death, we will refund to the Owner or the Owner’s estate any premium paid for the period beyond the date of death. B180(7/17) Page 15 If you’re still working 30 or more hours a week at the time of the policy’s termination date, you can request to continue the policy under this renewal option. If you renew your policy after the termination date, you can receive benefits for up to two years if you become totally disabled before age 75. If your total disability begins after age 75, the maximum benefit period is one year. In addition, the Owner may terminate this policy by sending us a written request. Such termination will be effective on the date the request is received at our Home Office, or on the date the Owner requests, subject to our approval. We will refund any premium paid for the period beyond the effective date of the termination.

POLICY TERMINATION. If a premium is not paid by the end of its grace period, the policy will terminate. This policy will also terminate on the earliest of: •  12:01 a.m. on the Termination Date shown on the data page, unless this policy is being continued under the Renewal Option After The Termination Date provision; •  the date you are no longer regularly employed for at least 30 hours per week, if this policy is continued under the Renewal Option, unless you are Disabled on that date under the policy terms. If the policy terminates for this reason, we will refund any premium paid for the period beyond the date the policy terminates; •  the date you Recover from your Disability covered by the Renewal Option, if the policy is continued under that Option; •  the date the policy terminates under the Suspension During Military Service provision; or •  the date of your death. After we receive notice of your death, we will refund to the Owner or the Owner’s estate any premium paid for the period beyond the date of death. B180(7/17) B180AMR(9/16)NY Page 15 14 If you’re still working 30 or more hours a week at the time of the after this policy’s termination datedate and you’re not disabled, you can request to continue the policy total disability coverage under this renewal option. If you renew your policy after the termination date, you can receive benefits for up to two years if you become totally disabled before age 75. If your total disability begins after age 75, the maximum benefit period is one year. In addition, the Owner may terminate this policy by sending us a written request. Such termination will be effective on the date the request is received at our Home Administrative Office, or on the date the Owner requests, subject to our approval. We will refund any premium paid for the period beyond the effective date of the termination.