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+ in pursuing a claim under this cording to social security policy; standards. (3) actions by you that have sub- 4. Cancellation for non-payment of pre- stantially increased or sub- mium will not be effective if payment of stantially changed the risk the amount due is made prior to the insured; effective date of the cancellation. (4) your refusal to eliminate 5. If this policy has been issued for a term known conditions that in- longer than one year or for an indefinite crease the potential for loss term, we may cancel only for the specific after notification by us that the reasons set forth in 3. above. Written condition must be removed; notice of cancellation will be mailed or delivered to the first Named Insured at (5) substantial change in the risk least 60 days before the effective date assumed, except to the extent of cancellation. that we should reasonably have foreseen the change or 6. We will mail or deliver our notice of can- contemplated the risk in writ- cellation to the first Named Insured at ing the contract; their address last known to us and to the agent of record. If notice is mailed, it will (6) loss of reinsurance by us be by first class mail. Notice of such which provided coverage to us mailing is effective on deposit in the for a significant amount of the United states mail. Proof of mailing will underlying risk insured. Any be sufficient proof of notice. Our notice notice of cancellation under of cancellation will state the reason for this clause will advise the poll- and effective date of cancellation. The cyholder that the policyholder policy period will end on that date. has 10 days from the date of receipt of the notice to appeal 7. If this policy is cancelled, we will send the cancellation to the com- the first Named Insured any premium missioner of insurance and refund due. If we cancel, the refund will that the commissioner will ren- be pro rata. If the first Named Insured der a decision as to whether cancels, the refund may be less than pro the decision is justified be- rata. Cancellation will be effective even cause of loss of reinsurance if we have not made or offered a refund. within 5 business days after receipt of the appeal; The following Conditions are added: (7) a determination by the com- Non-Renewal. missioner that the continu- ation of this policy could place 1. If we decide not to renew this policy, we us in violation of the insurance will mail or deliver to the first Named laws of this state; or Insured written notice of non-renewal at least 60 days before the date of expira- (8) non-payment of dues to an as- tion provided in the policy. sociation or organization, where payment of dues is a 2. We will mail or deliver our notice of non- prerequisite to obtaining or renewal to the first Named Insured at continuing the insurance. This their address last known to us and to the provision for cancellation for agent of record. If notice is mailed, it will failure to pay dues does not be by first class mail. Notice of such apply to persons who are re- mailing is effective on deposit in the tired at 62 years of age or older or who are disabled ac- (CONTINUED)