POLICY PROVISIONS
Entire Contract
The contract between the parties consists of:
e the policy;
© the application of the Policyholder, a copy of which is attached to and made a part of the policy when issued; and
e the applications, if any, of each insured person.
All statements made by the Policyholder, Participant Employers, and persons insured under the policy are true and
complete to the best of the knowledge and belief of the person(s) making them. No statement will be used in any
contest unless it is in writing and a copy of it is given to the person who made it, or to his beneficiary.
Incontestability
Except for non-payment of premium, the insurance provided by the policy cannot be contested after such insurance
has been in effect for a period of 2 years.
Change in The Policy
No change may be made unless approved in writing by the President; or a Vice President; an Assistant Vice President;
a Secretary; or an Assistant Secretary of Hartford Life. No other person may change or waive any part of the policy.
Any approved change shall be added to the policy in writing.
If any change to state or federal law, including but not limited to the Federal Social Security Act, affects Hartford
Life's liability under the policy, Hartford Life may change the policy, the premiums or both. Such change:
« will be effective as of the date of the change to the state or federal law;
e will not be made until Hartford Life gives the Policyholder 31 days notice.
Right to Amend
Notwithstanding the above, after the policy has been in force for 12 months, Hartford Life may change any or all of
the provisions of this contract by notifying the Policyholder. Hartford Life must give the Policyholder at least 31 days
advance written notice of any change.
Grace Period
Hartford Life will allow the Policyholder a 31 day grace period for the payment of all premiums after the first. During
this 31 day period, the policy will stay in force. If the owed premium is not paid by the 31st day, the policy will
automatically terminate. If the Policyholder gives Hartford Life written advance notice of an earlier cancellation date,
the policy will terminate on the earlier date. Premium is due for each day the policy is in force.
GR-11383-HLA(7) PI-7.21
