PREMIUMS
(Continued)
Change in Monthly Premium Rates
Initial Monthly Premium rates are guaranteed as follows:
Basic Life Insurance until 36 months
Supplemental Life Insurance until 36 months
Accidental Death, Dismemberment, and Loss of Sight Insurance until 36 months
Subject to the Rate Guarantee period shown above, Hartford Life has the right to change premium rates on any
premium due date if:
e written notice is delivered to the Policyholder's last address on record; and
* the change is effective at least 31 days after the date of notice.
The rate guarantee described above (the "Rate Guarantee") supersedes only those provisions appearing elsewhere in
this policy which give Hartford Life the right to change the premium rates, and then, only for the period of time stated
for the Rate Guarantee. However, Hartford Life may change the premium rates during the Rate Guarantee period if
there is a change in the group policy, or if there is a 10% increase or decrease in the number of insured employees, or
if the Policyholder adds or deletes a subsidiary or affiliated business entity. Hartford Life may also change the
premium rates during the Guarantee Period if there has been a material misstatement in the reported experience during
the pre-sale process. The Rate Guarantee in no way affects, amends or supersedes any other provision in this policy.
Calculation
Premiums may be calculated by multiplying the rate times the applicable number of units of coverage.
If any insurance is added, increased or becomes effective after the policy is in force, the premium charges will begin:
e the day the coverage is effective, if it is also the first day of a policy month; or if not
e the first day of the next policy month.
For insurance which is terminated, premium charges will stop as of the first day of the next policy month.
Premiums may be calculated by any other method which both Hartford Life and the Policyholder agree to in writing.
GR-11383-HLA(5) PL-5.17
