Group Critical Illness Insurance Certificate

or 3. the end of the period for which premium is paid for coverage under the Policy, to which this Rider is attached, subject to the Policy’s Grace Period provision; Portability Provision Coverage under this Rider is portable. Coverage may only be ported if the Covered Person elects to port coverage under the Policy. Reinstatement If the Employee applies for reinstatement of insurance under the Policy, the Employee may apply to reinstate this Rider at that time.

CIGNA HEALTH AND LIFE INSURANCE COMPANY

Geneva Campbell Brown, Corporate Secretary

Julia M.Huggins Senior Vice President of US Markets President CHLIC

HIB-GCI-02-9500.1.WYV2

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