Voluntary Benefits Interest-Sensitive Whole Life Insurance 1

Voluntary Benefits Interest-Sensitive Whole Life Insurance 1

Why Unum Our leadership position today # Ranked in 1 Voluntary universal and whole life sales 4 Voluntary critical illness sales4 Long term disability1 1 Marke t Share 22% Short term disability1 1 17% Individual disability1 1 34% Group life2 3 6% Group long term care3 2 16% Voluntary benefits4 3 16% Rank Nearly 18 million covered employees* 32 years as the industry leader in group and individual income protection5 Providing insurance benefits for 40% of the Fortune 5006 Almost 100,000 employer customers* Sources: * Unum internal data. 1-4 Rankings based on inforce premium. 1 JHA 2007 U.S. Group and Individual Disability Market Surveys, 2008. 2 LIMRA 2006 Annual Group Life Sales and In-Force Survey, 2007. 3 LIMRA 2006 Group LTC Report, 2007. Unum ranks first in number of employees enrolled. 4 Eastbridge, U.S. Worksite Sales Report Carrier Results for 2007, May 2008. 5 JHA U.S. Group and Individual Disability Market Surveys, 1997-2007. Ranked #1 in disability income protection for the 21 years prior to 1997 by the annual survey of the Employee Benefits Research Institute (EBRI). 6 Fortune magazine, April 30, 2007 and Unum internal data. 2

Who needs life insurance designed to build cash value? Everyone’s life insurance needs are different, particularly throughout the different stages of life. Whether you are single and just starting your career, or you are married and have increasing family obligations, life insurance is an important financial consideration to help you plan for the future. 3

Interest-sensitive whole life insurance As your needs change Your employer may provide you with basic term life insurance, which is a good foundation. But you may need more coverage to meet your needs. Unum’s interest-sensitive whole life insurance provides additional coverage during your prime working years, but more importantly, it’s coverage that can follow you into retirement. It’s yours to keep Because it’s individually owned, you can take the policy with you if you retire or leave the company. That’s coverage that will keep you covered in the years ahead. Learn more Help protect your family – and the financial preparations you’ve made for them – with Unum’s interest-sensitive whole life insurance. 4

What happens after you’re gone? Life can change in a heartbeat. If you should die tomorrow, what happens after you’re gone? 25% of household heads feel they do not have a plan in place to provide a decent standard of living for their family if they die tomorrow.1 27% of families with dependent children say they would have trouble meeting everyday expenses.2 Interest-sensitive whole life insurance can help you put a plan in place that protects your family if something happens to you. 1 LIMRA, “Facts About Life 2006,” August 2006. 2 LIMRA, “Facts About Life” Fact Sheet, September 2007. 5

Why buy at work? You get affordable rates when you buy this policy through your employer, and the premiums are conveniently deducted from your paycheck. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you at home for the same premium amount. Coverage becomes effective on the date you sign the application. 6

Four features that add value Can accumulate cash value at a guaranteed rate of 4.5%*. You could borrow from the cash value or use it to elect a reduced paid-up policy with no more premiums due. Advance benefit option rider is included on all employee and spouse policies of 6,000 or more. You can request an advance, up to 50% of the benefit amount (maximum of 100,000), if you’re diagnosed with a terminal illness limiting life expectancy to six months or less. May vary by state. Adds more coverage that’s affordable – If your employer gives you term life insurance, you have some coverage, but it may not be enough for your needs. You can buy interest-sensitive Whole Life insurance at an affordable premium that is fixed and guaranteed for life. Requires no physical exam – During enrollment, you can get this insurance up to a specified amount without taking a health exam. You may be asked a few health questions. * The interest rate for NJ policies is 5.5%. 7

Additional coverage options Long term care rider Once chosen by the employer, all eligible employees and spouses ages 15 70 with face amounts of 10,000 or more automatically receive the LTC rider. This rider allows the policy owner access to the death benefit after the insured has been receiving long term care for 90 days, subject to rider conditions. The rider can provide a maximum monthly benefit for nursing home care of the lesser of 4% of the death benefit, less any policy debt at the end of the elimination period, or 3,000. The rider also can Provide a maximum monthly benefit for home health care or adult day care of the lesser of 2% of the death benefit, less any policy debt at the end of the elimination period, or 1,500. Provides for a waiver of policy monthly deductions even if the policy does not have the Waiver of Premium Rider. The maximum lifetime value is equal to 100% of the death benefit, less any policy debt. This rider is not available in all states. 8

Family coverage options Coverage ages and amounts may vary by state. 9

Why buy now? Meet with an benefit counselor during your Annual Enrollment to apply for this benefit and take advantage of any guaranteed issue coverage available to you. 10

This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. For complete details of coverage, please refer to Policy Forms L-21590 and L21045 or see your Unum representative for specific provisions and details of availability. You will receive the plan and coverage amount you apply for unless it is determined to be unacceptable by Unum’s rules, limits or standards. If so, it may be modified or declined. Underwritten by: Provident Life and Accident Insurance Company, 1 Fountain Square, Chattanooga, TN 37402 unum.com 2007 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. For employee information EN-1160 (6-08) 11