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The right to either extended reporting period option under this Condition 6.9.2 is not available to any of you where cancellation or nonrenewal by us is due to nonpayment of premium or other monies due to us. Any coverage afforded under the extended reporting period cannot be canceled or terminated. The additional premium for the extended reporting period will be fully earned at the inception of the extended reporting period. 6.9.3 Non-Practicing Extended Reporting Period If you are a sole practitioner and during the policy period you permanently cease professional practice for reasons not related to suspension or revocation of your license or death or disability as described in CONDITIONS 6.9.4 below, we will provide a non-practicing extended reporting period as set forth below. a. The non-practicing extended reporting period will start with the date you cease professional practice and ends when one of the following occurs: 1. you resume professional practice; however, you may purchase, at our option, a policy from us to reinstate full prior acts coverage; II. any insurance is issued which replaces, in whole or in part, the coverage afforded by the non- practicing extended reporting period; or III. the LIMITS OF LIABILITY have been exhausted. b. The additional premium for this option shall be waived if you are a sole practitioner and have been continuously insured by us or via LawGoldTA9 under a professional liability insurance policy for at least three consecutive years prior to such cancellation or nonrenewal and are at least fifty-five (55) years of age at the time you cease professional practice. c. We will issue a non-practicing extended reporting period endorsement only if: 1. you request the endorsement no more than sixty (60) days after the date you cease professional practice, or sixty (60) days after the end of the policy period, whichever is earlier. Such request must include written notification of your cessation of professional practice; II. you have paid all premiums due for this Policy at the time you request a non-practicing extended reporting period endorsement; and, III. you promptly pay when due the additional premium for the endorsement. 6.9.4 Death or Disablement Extended Reporting Period a. If, during the policy period, any of you die or become totally and permanently disabled, we will extend a death or disablement extended reporting period at no charge. Totally and permanently disabled means that you have become so disabled as to be completely prevented from rendering professional services, and such disability: I, has existed for not less than ninety (90) consecutive days; and II. is expected to be continuous, total, and permanent. b. The death or disablement extended reporting period will start on the date you die or become totally and permanently disabled, and will end when one of the following occurs: 1. the executor or administrator of your estate has been discharged; II. the total and permanent disability ends, whether or not you resume practice; III. any insurance is issued which replaces, in whole or in part, the coverage afforded by the death or disablement extended reporting period; or IV. the LIMITS OF LIABILITY have been exhausted. C. We will issue a death or disablement extended reporting period endorsement only if you or your representative request it no more than ninety (90) days after the date of your death or total LPLPOL01 [10/10] Page 12 of 14 Protective Insurance Company