be payable to you in monthly instalments of not less than $50 per

month during the continuance of such disability, upon receipt by the

Equitable of proof of disability before the expiration of one year
from the date of its commencement,

4. BENEFICIARY: You name your own beneficiary and may at any time change the
beneficiary upon written notice to the Equitable through the Association, upon a
form provided for this purpose.

5, TERMINATION OF INSURANCE AND CONVERSION PRIVILEGE: Your insurance automati-
cally terminates upon termination of your membership in the Association, or upon
your ceasing to follow the occupation of teacher or employee in the University
of Kansas. But, upon application to the Equitable Life Assurance Society within
thirty-one days after such termination, you shall be entitled to have issued to
you, without medical examination, a policy of Life Insurance in any one of the
forms customarily issued by the Equitable (except term insurance), in an amount,
at your discretion, equal to or less than the amount of your protection under
the Group Plan, upon the payment of the premium applicable to the class of risk
to which you belong and to your age at the time of conversion.

6. CERTIFICATE OF INSURANCE: A Certificate of Insurance will be issued to each
member insured under the plan. It will show the Table of Amounts of Insurance
as shown in this letter and from this table you will, at any time, be able to
determine the amount of your coverage,