LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU GCERT2000 abo/ee 10/04 43 For purposes of this section, the term “ABO Eligible Life Insurance” refers to each of Your Life Insurance benefits for which the Accelerated Benefit Option is shown as available in the Schedule of Benefits. If You become Terminally Ill, You or Your legal representative have the option to request Us to pay ABO Eligible Life Insurance before Your death. This is called an accelerated benefit. The request must be made while ABO Eligible Life Insurance is in effect. Terminally Ill or Terminal Illness means that due to injury or sickness, You are expected to die within 12 months. Requirements For Payment of an Accelerated Benefit Subject to the conditions and requirements of this section, We will pay an accelerated benefit to You or Your legal representative if: ● the amount of each ABO Eligible Life Insurance benefit to be accelerated equals or exceeds $20,000; and ● the ABO Eligible Life Insurance to be accelerated has not been assigned; and ● We have received Proof that You are Terminally Ill. We will only pay an accelerated benefit for each ABO Eligible Life Insurance benefit once. Proof of Your Terminal Illness We will require the following Proof of Your Terminal Illness: ● a completed accelerated benefit claim form; ● a signed Physician’s certification that You are Terminally Ill; and ● an examination by a Physician of Our choice, at Our expense, if We request it. You or Your legal representative should contact the Employer to obtain a claim form and information regarding the accelerated benefit. Upon Our receipt of Your request to accelerate benefits, We will send You a letter with information about the accelerated benefit payment You requested. Our letter will describe the amount of the accelerated benefits We will pay and the amount of Life Insurance remaining after the accelerated benefit is paid. Accelerated Benefit Amount We will pay an accelerated benefit up to the percentage shown in the SCHEDULE OF BENEFITS for each ABO Eligible Life Insurance benefit in effect for You, subject to the following: Maximum accelerated benefit amount. The maximum amount We will pay for each ABO Eligible Life Insurance benefit is shown in the SCHEDULE OF BENEFITS . Scheduled reduction of an ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to reduce within the 12 month period after the date You or Your legal representative request an accelerated benefit, We will calculate the accelerated benefit using the amount of such ABO Eligible Life Insurance that will be in effect immediately after the reduction(s) scheduled for such period. Scheduled end of ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to end within 12 months after the date You or Your legal representative request an accelerated benefit, We will not pay an accelerated benefit for such ABO Eligible Life Insurance benefit. Previous conversion of an ABO Eligible Life Insurance Benefit. We will not pay an accelerated benefit for any amount of ABO Eligible Life Insurance which You previously converted under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU . We will pay the accelerated benefit in one sum unless You or Your legal representative select another payment mode.