For residents of Vermont: The Conversion provision for Right to Convert in the Life Details - Other Features section of the certificate is amended to include the following additional Qualifying Events for your Spouse and your Children: In addition, your Spouse may convert their life insurance coverage if it ends: - due to your death; or - because your Spouse no longer meets the definition of a Spouse. In addition, your Children may convert their life insurance coverage if it ends: - due to your death; or - because your Children no longer meet the definition of Children. A Notice of Right to Convert has been added to the Conversion provision in the Life Details - Other Features section of the certificate as follows: Notice of Right to Convert Your Employer must notify you of your Right to Convert all or part of an Insured's life insurance coverage within 15 days from the end of the Conversion Application Period. If your Employer does not notify you within those 15 days, the time allowed for you to exercise an Insured's Right to Convert will be extended for 15 days from the date you are notified. In no event will the time allowed for you to exercise an Insured's Right to Convert be extended beyond 60 days from the end of the Conversion Application Period. The Coma Benefit provision in the Accidental Death and Dismemberment Details section of the certificate is amended to reflect that the Coma must begin within 365 from the date of the Accident. In addition, the definition of Coma has been amended as follows: For purposes of this benefit, Coma means a medical coma as certified by a licensed neurologist. A medically induced Coma does not meet the Benefit Description of a Coma. The Exclusions provision of the Accidental Death and Dismemberment Details | Exclusions section is amended as follows: - the "whether sane or not" reference in the suicide exclusion has been removed; - the "being Intoxicated" exclusion has been removed in its entirety; and - the "Mental or Nervous Disorders" exclusion has been removed in its entirety. The Contestability provision in the General Provisions section of the certificate is amended to replace the reference to "fraud" in the last sentence of the first paragraph with "non-payment of premium". The Fraud provision in the General Provisions section of the certificate is amended to read as follows: We want to make sure you and your Employer do not incur additional insurance costs as a result of the effects of insurance fraud. We promise to focus on all means necessary to support fraud detection, investigation, and prosecution. A person who, with intent to defraud or knowing that they are facilitating a fraud against an insurer, submits an application, or files a claim containing a false or deceptive statement, may be proven guilty of fraud or may be found guilty of fraud. We will pursue all appropriate legal remedies in the event of insurance fraud. The Accident definition in the Glossary section of the certificate has been amended as follows:
GLIFE-STATEVAR
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