----

While You are insured, you may change benefit amounts so long as nonforfeiture coverage is not in effect. As stated in the Premiums section of this Policy, a change in benefit amounts may change the amount of premium for the Policy.

We will send you a written notice of any change in benefit amounts and the date it takes effect.

Any change in benefit amount probably will result in a corresponding change in the amount of premium due.

Benefit Increase with Proof of Good Health

Specific provisions in a typical long term care insurance policy govern your eligibility for benefits. These are defined below, with additional comment for clarification where needed.

_________

You may, at any time, ask in writing for an increase in Your benefit amounts. We will approve the request only if You provide Us, at Your expense, with proof satisfactory to Us of Your good health. Increases in amounts are subject to Our underwriting rules and limits in effect at the time of Your request. If You have received any Benefits under this Policy, then, with regard to the Total Lifetime Benefit and the Informal Caregiver Training Maximum Benefit Amount, the percentage increase in Your Nursing Home Maximum Daily Benefit Amount will be applied to the remaining amounts. There will be no increase in the Needs Assessment Maximum Benefit Amount.

The extra premium for this benefit increase will be based on Your age, the premium rates, and Your Health Rating at the time the increase takes effect.

The increase will take effect on the first day of the Policy Month, which starts on or next follows the date We approve Your request. We will send You a written notice of the increase in benefit amounts, the effective date of the increase and the amount of premium due. We reserve the right to require Your written approval before the change takes effect.

Benefit Decreases

Specific provisions in a typical long term care insurance policy govern your eligibility for benefits. These are defined below, with additional comment for clarification where needed.

_______________

You may, at any time, request in writing a decrease in Your benefit amounts. Decreases are subject to Our rules and limits in effect at the time of the request. If You have received any Benefits under this Policy, then with regard to the Total Lifetime Benefit, and the Informal Caregiver Training Maximum Benefit Amount, the percentage decrease in Your Nursing Home Maximum Daily Benefit Amount will be applied to the remaining amounts. There will be no decrease in the Needs Assessment Maximum.

Benefit Amount.

Specific provisions in a typical long term care insurance policy govern your eligibility for benefits. These are defined below, with additional comment for clarification where needed.

________

The decrease will take effect on the first day of the Policy Month, which starts on or next follows the date We approve Your request. The Premium will decrease as of the effective date of any decrease you requested in Your benefits amounts. The amount of the premium reduction will be computed assuming that the benefit amounts purchased last are discontinued first. We will send You a written notice of the decrease in benefit amounts, the effective date of the decrease, and the amount of premium due or to be applied to future premiums. We reserve the right to require Your written approval before the change You requested takes effect.