Group Critical Illness Insurance Certificate

Cigna Health and Life Insurance Company 900 Cottage Grove Road, Bloomfield, Connecticut 06002 A Stock Insurance Company

GROUP CRITICAL ILLNESS CERTIFICATE THIS CERTIFICATE PROVIDES LIMITED COVERAGE. PLEASE READ YOUR CERTIFICATE CAREFULLY.

We, the Cigna Health and Life Insurance Company, have issued a Group Policy, CI111620 to Trustee of the Group Insurance Trust for Employers in the Finance, Insurance and Real Estate Industry. We certify that We insure all eligible persons who are enrolled according to the terms of the Group Policy. Your coverage will begin according to the terms set forth in the Effective Date Provisions section. This Certificate describes the benefits and basic provisions of Your coverage. It is not the insurance contract and does not waive or alter any terms of the Policy. If questions arise, the Policy language will govern. You may examine the Policy at the office of the Policyholder or the Administrator. This Certificate replaces all prior Certificates issued to You under the Group Policy.

Geneva Campbell Brown, Corporate Secretary

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

30 DAY RIGHT TO EXAMINE CERTIFICATE Within 30 days of receipt of this Certificate, You can return it to Us for any reason if not satisfied with the insurance provided under this Certificate. We will return any premium that has been paid and this Certificate will be void as if it had never been issued. THIS IS A CRITICAL ILLNESS ONLY POLICY. BENEFITS PROVIDED ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES

THIS CERTIFICATE DOES NOT CONTAIN COMPREHENSIVE ADULT WELLNESS BENEFITS AS DEFINED BY WYOMING LAW.

Series 1.0

GCI-02-CE1000.WY

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