Common use of At Termination Clause in Contracts

At Termination. If your Life Insurance terminates because you are no longer eligible, and this provision continues in force, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated, Basic and Supplemental Member Life Insurance Provision January (32592-5) the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on your life which was previously obtained through the Conversion Privilege of this provision, or If your insurance terminates this provision continues in force and you die within days after termination of insurance, the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary. If your Life Insurance terminates because this terminates, and you have been continuously insured under this provision for the five year period before the termination of this provision, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy, or times the Year’s Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. If you convert your Life Insurance, you must apply and pay the premium to within days after termination of insurance. If you have any questions about this conversion privilege, please contact your plan administrator or the nearest office. Basic and Supplemental Member Life Insurance Provision January (32592-5) The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, we will pay your estate. The amount of dismemberment benefit will be paid to you. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands, Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One or One Leg Loss of One Hand, One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of Ail Toes of One Foot If you suffer more than one of the losses listed above as a result of one accident, will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the followingconditions are met: The accident must occur while you are insured under this provision. The loss must occur within days of the date of the accident. If you become totally disabled, your Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived.

At Termination. If your Life Insurance terminates because you are no longer eligible, and this provision pro- vision continues in force, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated, Basic and Supplemental Member Life Insurance Provision January (32592-5) the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on your life which was previously obtained through the Conversion Privilege of this provisionpro- vision, or If your insurance terminates while this provision continues in force and you die within days after termination of insurance, the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary. If your Life Insurance terminates because this provision terminates, and you have been continuously insured under this provision for the five year period before the termination of this provision, you may convert it to an individual policy on your life up to the lesser of Member Life Insurance Provision May (10871) the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy, or times the Year’s 's Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. If you convert your Life Insurance, you must apply and pay the premium to Mutual within days after termination of insurance. If you have any questions about this conversion privilege, please contact your plan administrator or the nearest officeMutual off ice. Basic and Supplemental Member Life Insurance Provision January (32592-5) May The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, we will pay your estate. The amount of dismemberment benefit will be paid to you. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. If a claim is submitted for Education Benefit for Dependant Child, we will pay your dependent depend- ent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands, Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One Arm or One Leg Loss of One Hand, One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of Ail All Toes of One Foot If you suffer more than one of the losses listed above as a result of one accident, Mutual will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by Mutual that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the followingconditions following conditions are met: The accident must occur while you are insured under this provision. The loss must occur within days of the date of the accident. If you become totally disabled, your Accidental Death and Dismemberment Insurance Insur- ance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived.

At Termination. If your Life Insurance terminates because you are no longer eligible, and this provision continues in force, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated, Basic and Supplemental Member Life Insurance Provision January (32592-5) the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on Member Insurance Provision September your life which was previously obtained through the Conversion Privilege of this provision, or If your insurance terminates while this provision continues in force and you die within days after termination of insurance, the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary. If your Life Insurance terminates because this provision terminates, and you have been continuously insured under this provision for the five year period before the termination of this provision, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy, or times the Year’s Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. If you convert your Life Insurance, you must apply and pay the premium to Mutual within days after termination of insurance. If you have any questions about this conversion privilege, . please contact your plan administrator or the nearest Mutual office. Basic and Supplemental Member Insurance September Dependant Life Insurance Provision January (32592-5) The amount of death benefit will be paid to you upon the death of your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, we will pay your estate. The amount of dismemberment benefit will be paid to you. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands, Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One or One Leg Loss of One Hand, One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of Ail Toes of One Foot If you suffer more than one of the losses listed above as a result of one accident, will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the followingconditions are met: The accident must occur while you are insured under this provision. The loss must occur within days of the date of the accidentdependant. If you become totally disabled, your Accidental Death and Dismemberment Dependant Life Insurance may be continued con- tinued without payment of premiums as long as your Member Life Insurance premiums are waived.. Claims A claim must be received by Mutual within years of the date of death. You must submit of claim and the right to receive the benefit to Mutual. There is a time limit for proceedings against Mutual for payment of a claim. Proceedings must be started within year of Mutual's receipt of the proof of claim. Exclusion

At Termination. If your Life Insurance terminates because you are no longer eligible, and this provision continues in force, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated, Basic and Supplemental Member Life Insurance Provision January (32592-5) the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on your life which was previously obtained through the Conversion Privilege of this provision, or . If your insurance terminates while this provision continues in force and you die within days after termination of insurance, the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary. If your Life Insurance terminates because this provision terminates, and you have been continuously insured under this provision for the five year period before the termination of this provision, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy, or times the Year’s Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. If you convert your Life Insurance, you must apply and pay the premium to Mutual within days after termination of insurance. If you have any questions about this conversion privilege, please contact your plan administrator or the nearest office. Basic and Supplemental Mutual of Canada Member Life Insurance Provision January (32592-5) December The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, or if the beneficiary has predeceased you, we payment will pay be made to your estate. The amount of dismemberment benefit will be paid to you. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands, Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Quadriplegia Paraplegia Hemiplegia Loss of One Arm or One Leg Loss of Use of One Arm or One Leg Loss of One Hand, One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of Ail Toes of One Foot If you suffer more than one of the losses listed above as a result of one accidentacci- dent, Mutual will only pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by Mutual that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the followingconditions following conditions are met: The accident must occur while you are insured under this provision. The loss must occur within days of the date of the accident. If you become totally disabled, your Accidental Death A death claim must be received by Mutual within years of the date of death. All other claims must be received by Mutual within months of the date of The claimant must submit of claim and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waivedthe right to receive the benefit to Mutual.

At Termination. If your Life Insurance terminates because you are no longer eligible, and this provision continues in force, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated, Basic and Supplemental Member Life Insurance Provision January (32592-5) the maximum amount of insurance for which you have been insured under this provision less the total amount of individual insurance still in force on your life which was previously obtained through the Conversion Privilege of this provision, or If your insurance terminates while this provision continues in force and you die within days after termination of insurance, the amount of insurance which you could have converted to an individual policy on your life through the Conversion Privilege of this provision will be paid to your beneficiary. If your Life Insurance terminates because this provision terminates, and you have been continuously insured under this provision for the five year period before the termination of this provision, you may convert it to an individual policy on your life up to the lesser of the amount of the insurance terminated less the amount of insurance in force under a new group policy that replaces this policy, or times the Year’s Maximum Pensionable Earnings as established under the Canada Pension Plan in the year that this provision terminated. If you convert your Life Insurance, you must apply and pay the premium to Mutual within days after termination of insurance. If you have any questions about this conversion privilege, please contact your plan administrator or the nearest office. Basic and Supplemental Member Life Insurance Provision January (32592-5) The amount of death benefit will be paid to your beneficiary upon your death. If no beneficiary has been appointed or, if the beneficiary has predeceased you, we will pay your estate. The amount of dismemberment benefit will be paid to you. If a claim is submitted for Repatriation, we will pay your estate. If a claim is submitted for Occupational Training for Spouse, we will pay your spouse. If a claim is submitted for Education Benefit for Dependant Child, we will pay your dependent child. Depending on the loss suffered by you, the amount of benefit is limited to the percentage shown in the Schedule of Losses. Schedule of Losses Loss of Life Hemiplegia Paraplegia Quadriplegia Loss of Both Hands, Both Feet or Sight of Both Eyes Loss of One Hand and One Foot Loss of One Hand and Sight of One Eye Loss of One Foot and Sight of One Eye Loss of Speech and Hearing Loss of Use of Both Hands or Both Feet Loss of Use of One Hand and One Foot Loss of One Arm or One Leg Loss of Use of One Arm or One Leg Loss of One Hand, One Foot or Sight of One Eye Loss of Use of One Hand or One Foot Yo Loss of Speech or Hearing Loss of Hearing in One Ear Loss of Thumb and Index Finger of One Hand Loss of Four Fingers of One Hand Loss of Ail All Toes of One Foot Yo If you suffer more than one of the losses listed above as a result of one accidentacci- dent, Mutual will pay the amount of benefit for only one loss. That loss will be the highest of the losses suffered by you. When proof is received by Mutual that you have suffered any of the losses due directly to bodily injury caused solely by an accident, the amount of benefit will be paid, provided all of the followingconditions following conditions are met: The accident must occur while you are insured under this provision. The loss must occur within days of the date of the accident. If you become totally disabled, your Accidental Death and Dismemberment Insurance may be continued without payment of premiums as long as your Member Life Insurance premiums are waived.