The last paragraph of the Beneficiary Designation and Change provision in the Claim Provisions section of the certificate has been amended as follows: Also, at our option, we may pay the person or persons who, in our opinion, have incurred expenses for an Insured's last Sickness and death, an amount up to the lesser of: - 10% of the Death Benefit for Life; - 10% of the Accidental Death Benefit for AD&D; or - $1,000. The provision Representation in Applications in the General Provisions section of the certificate has been amended as follows: Any statements made by you will be considered a representation and not a warranty. Such statements will not be used to avoid insurance, reduce benefits, or deny a claim unless they are included in an application in Writing from you and a copy of the signed application has been provided to you, your beneficiary, or your authorized representative. 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 Intoxicated definition in the Glossary section of the certificate is removed in its entirety. The Description of Services provision is amended as follows: We have arranged to make available certain services to Employees who become insured with us, or their employers or membership organizations. These services may include: - will preparation services; - financial planning and estate planning services; - probate and estate settlement services; - grief counseling; or - funeral planning and funeral services. The services are in addition to the insurance coverage provided under the policy. Participation is voluntary. These services may be offered by us directly or through third-party providers. Where the third-party providers offer these services, they - not us - are responsible and liable for the provision of them. The Policyholder and covered Employees will be provided with complete details about available services and a telephone number to call with questions about the service. For residents of West Virginia: A Notice of Right to Convert is 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 Conversion provision for Limits on Right to Convert in the Life Details - Other Features section of the certificate is amended as follows: If your insurance ends because the group policy is cancelled or the policy is changed to end life insurance for the Eligible Group to which you belong, the following will apply:
GLIFE-STATEVAR
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