Common use of BENEFIT INCREASE PROVISIONS Clause in Contracts

BENEFIT INCREASE PROVISIONS. BENEFIT INCREASE Any Benefit Increase we offer, when added to all existing and applied for disability income insurance coverage you have with us, any other insurer, and any government agency, will not exceed our Issue And Participation Limits in effect at the time of the application. The Benefit Increase will be in one of the following forms, as determined by us:  an increase to this policy;  an increase to a policy previously issued under this rider; or  a new policy. If a new policy is issued, it will be on the same form, having the same terms, as we are regularly offering to new applicants at the time of the Benefit Increase. The provisions, benefits and riders of the new policy may be different from this policy. The new policy will be subject to the same ratings, exclusions and limitations in effect for this policy; however, no new medical exclusions or limitations will be added. We want to make sure you have the highest level of income protection possible with your policy, and that means you can up your coverage as your income level increases. This rider allows you to purchase increases in coverage every three years, without having to provide medical information. Before each benefit- increase period, we’ll send you a reminder letter and an application. We’ll ask you to provide information about your income, but we won’t require any medical information. Then we’ll determine whether you’re eligible for a benefit increase. If so, we’ll offer you an increase of up to the maximum amount you qualify for. Each Benefit Increase purchased under this rider will be effective on its Option Date, or on the Accelerated Option Date if applicable. However, if you are Disabled or any benefits under this policy are payable on the Option Date or Accelerated Option Date, or if you are receiving disability benefits from any other source on that date, the Benefit Increase will not take effect until any such benefits are no longer payable and you are no longer Disabled. A Benefit Increase will apply only to a Disability or Serious Health Condition that begins after the date on which that Benefit Increase became effective. A Benefit Increase will not apply to any Recurrent Disability or recurrent Serious Health Condition that began prior to the effective date of the Benefit Increase.

BENEFIT INCREASE PROVISIONS. BENEFIT INCREASE Any Benefit Increase we offer, when added to all existing and applied for disability income insurance coverage you have with us, any other insurer, and any government agency, will not exceed our Issue And Participation Limits in effect at the time of the application. The Benefit Increase will be in one of the following forms, as determined by us:  • an increase to this policy;  • an increase to a policy previously issued under this rider; or  • a new policy. If a new policy is issued, it will be on the same form, having the same terms, as we are regularly offering to new applicants at the time of the Benefit Increase. The provisions, benefits and riders of the new policy may be different from this policy. The new policy will be subject to the same ratings, exclusions and limitations in effect for this policy; however, no new medical exclusions or limitations will be added. We want to make sure you have the highest level of income protection possible with your policy, and that means you can up your coverage as your income level increases. This rider allows you to purchase increases in coverage every three years, without having to provide medical information. Before each benefit- increase period, we’ll send you a reminder letter and an application. We’ll ask you to provide information about your income, but we won’t require any medical information. Then we’ll determine whether you’re eligible for a benefit increase. If so, we’ll offer you an increase of up to the maximum amount you qualify for. Each Benefit Increase purchased under this rider will be effective on its Option Date, or on the Accelerated Option Date if applicable. However, if you are Disabled or any benefits under this policy are payable on the Option Date or Accelerated Option Date, or if you are receiving disability benefits from any other source on that date, the Benefit Increase will not take effect until any such benefits are no longer payable and you are no longer Disabled. A Benefit Increase will apply only to a Disability or Serious Health Condition that begins after the date on which that Benefit Increase became effective. A Benefit Increase will not apply to any Recurrent Disability or recurrent Serious Health Condition that began prior to the effective date of the Benefit Increase.

BENEFIT INCREASE PROVISIONS. BENEFIT INCREASE Any Benefit Increase we offer, when added to all existing and applied for disability income insurance coverage you have with us, any other insurer, and any government agency, will not exceed our Issue And Participation Limits in effect at the time of the application. The Benefit Increase will be in one of the following forms, as determined by us:  an increase to this policy;  an increase to a policy previously issued under this rider; or  a new policy. If a new policy is issued, it will be on the same form, having the same terms, as we are regularly offering to new applicants at the time of the Benefit Increase. The provisions, benefits and riders of the new policy may be different from this policy. The new policy will be subject to the same ratings, exclusions and limitations in effect for this policy; however, no new medical exclusions or limitations will be added. We want to make sure you have the highest level of income protection possible with your policy, and that means you can up your coverage as your income level increases. This rider allows you to purchase increases in coverage every three years, without having to provide medical information. Before each benefit- increase period, we’ll send you a reminder letter and an application. We’ll ask you to provide information about your income, but we won’t require any medical information. Then we’ll determine whether you’re eligible for a benefit increase. If so, we’ll offer you an increase of up to the maximum amount you qualify for. Each Benefit Increase purchased under this rider will be effective on its Option Date, or on the Accelerated Option Date if applicable. However, if you are Disabled or any benefits under this policy are payable on the Option Date or Accelerated Option Date, or if you are receiving disability benefits from any other source on that date, the Benefit Increase will not take effect until any such benefits are no longer payable and you are no longer Disabled. A Benefit Increase will apply only to a Disability or Serious Health Condition that begins after the date on which that Benefit Increase became effective. A Benefit Increase will not apply to any Recurrent Disability or recurrent Serious Health Condition that began prior to the effective date of the Benefit Increase.

BENEFIT INCREASE PROVISIONS. BENEFIT INCREASE Any Benefit Increase we offer, when added to all existing and applied for disability income insurance coverage you have with us, any other insurer, and any government agency, will not exceed our Issue And Participation Limits in effect at the time of the application. The Benefit Increase will be in one of the following forms, as determined by us:  an increase to this policy;  an increase to a policy previously issued under this rider; or  a new policy. If a new policy is issued, it will be on the same form, having the same terms, as we are regularly offering to new applicants at the time of the Benefit Increase. The provisions, benefits and riders of the new policy may be different from this policy. The new policy will be subject to the same ratings, exclusions and limitations in effect for this policy; however, no new medical exclusions or limitations will be added. We want to make sure you have the highest level of income protection possible with your policy, and that means you can up your coverage as your income level increases. This rider allows you to purchase increases in coverage every three years, without having to provide medical information. Before each benefit- increase period, we’ll send you a reminder letter and an application. We’ll ask you to provide information about your income, but we won’t require any medical information. Then we’ll determine whether you’re eligible for a benefit increase. If so, we’ll offer you an increase of up to the maximum amount you qualify for. Each Benefit Increase purchased under this rider will be effective on its Option Date, or on the Accelerated Option Date if applicable. However, if you are Disabled or any benefits under this policy are payable on the Option Date or Accelerated Option Date, or if you are receiving disability benefits from any other source on that date, the Benefit Increase will not take effect until any such benefits are no longer payable and you are no longer Disabled. A Benefit Increase will apply only to a Disability or Serious Health Condition that begins after the date on which that Benefit Increase became effective. A Benefit Increase will not apply to any Recurrent Disability or recurrent Serious Health Condition that began prior to the effective date of the Benefit Increase.

BENEFIT INCREASE PROVISIONS. BENEFIT INCREASE Any Benefit Increase we offer, when added to all existing and applied for disability income insurance coverage you have with us, any other insurer, and any government agency, will not exceed our Issue And Participation Limits in effect at the time of the application. The Benefit Increase will be in one of the following forms, as determined by us:  • an increase to this policy;  • an increase to a policy previously issued under this rider; or  • a new policy. If a new policy is issued, it will be on the same form, having the same terms, as we are regularly offering to new applicants at the time of the Benefit Increase. The provisions, benefits and riders of the new policy may be different from this policy. The new policy will be subject to the same ratings, exclusions and limitations in effect for this policy; however, no new medical exclusions or limitations will be added. We want to make sure you have the highest level of income protection possible with your policy, and that means you can up your coverage as your income level increases. This rider allows you to purchase increases in coverage every three years, without having to provide medical information. Before each benefit- increase period, we’ll send you a reminder letter and an application. We’ll ask you to provide information about your income, but we won’t require any medical information. Then we’ll determine whether you’re eligible for a benefit increase. If so, we’ll offer you an increase of up to the maximum amount you qualify for. Each Benefit Increase purchased under this rider will be effective on its Option Date, or on the Accelerated Option Date if applicable. However, if you are Disabled or any benefits under this policy are payable on the Option Date or Accelerated Option Date, or if you are receiving disability benefits from any other source on that date, the Benefit Increase will not take effect until any such benefits are no longer payable and you are no longer Disabled. A Benefit Increase will apply only to a Disability or Serious Health Condition that begins after the date on which that Benefit Increase became effective. A Benefit Increase will not apply to any Recurrent Disability or recurrent Serious Health Condition that began prior to the effective date of the Benefit Increase.