ENDORSEMENT - OUT OF NETWORK OPTION
The Policy and Certificate to which this endorsement is attached are amended as follows:
In the event the Insured does not have access to an In-NetworkProvider within the required geographic service area due to any networkinadequacy, such Insured is always allowed the option of utilizing theservices of an Out-Of-Network Provider at the In-Network benefit untilsuch time that an In-Network Provider becomes available.
The endorsement is effective on the later of the policy effectivedate or the certificate effective date to which it is attached.
There are no other changes to the policy or certificate.
National Guardian Life Insurance Comany
Two East Gilman Street
PO Box 1191
Madison, WI 53701