1 What’s covered This presentation is designed to cover the following:  Unum history, market position  What is whole life insurance  Why you may need it  How it works  Plan design and options  Reasons to buy, guaranteed issue, exclusions, etc.  Enrollment instructions Customizable  This presentation can be customized according to plan design offered.  Remove slides that do not apply to the case offering.  Red text implies that text is variable − choose the correct option/value per the case plan design.  Text in brackets is optional and can be removed if not offered. Notes pages  Please read the notes page (click on View on the menu bar, click on Notes page) to access enroller speaker notes. How to use this presentation

2 2 Presenter’s name | Month, year Whole life insurance An overview of the benefits EN-1742 (7-13)

3 Why Unum? We put people first Professional, prompt, courteous service during difficult times Proven experience A heritage of more than 160 years in the insurance industry We listen to you Our benefit specialists understand how an illness can affect your life We put people first Professional, prompt, courteous service during difficult times Financial stability Solid financial ratings, even in today’s tough economy

4 What happens after you’re gone? Life can change in a heartbeat. If you should die tomorrow, what will happen after you’re gone? Whole life insurance can help you put a plan in place that protects your family if something happens to you.

5 What is whole life insurance? Whole life insurance can provide benefits to your loved ones if you die prematurely − and it provides coverage into your retirement years.

6 Features that add value  You can request an advance, up to 100% of your benefit amount ($150,000 maximum), if you are terminally ill and are expected to live 12* months or less Living Benefit Rider *Limited life expectancy of 24 months in IL, MA and WA.  [This feature waives the policy’s premium during disability if the covered individual becomes disabled prior to age 65 and remains disabled for at least six months  Premiums paid during the six-month waiting period are refunded] [Waiver of Premium]

7 Additional purchase options  [This rider pays an additional death benefit equal to the base policy amount (up to $150,000) if the policyholder dies before age 70 as the result of a covered accident] [Accidental Death Benefit Rider]  [Can provide an additional layer of coverage equal to 50% of the face amount of your policy for 20 years] [Enhanced 20-year Employee Term Rider]

8 Premium payment options  Premium payments will end at age 120, at which time the policy matures Paid up at age 120  With this option, you pay an adjusted premium so the policy will be paid in full by age 70  You will continue to receive coverage without having to pay any more premiums Paid up at age 70

9 Family coverage options Who can have it? What’s the benefit amount? How long can they keep it? Individual spouse policy Ages Minimum policy amount of $2,000. Actual benefit amount based on coverage amount chosen and age at issue. If you leave your employer, you can keep your spouse’s policy and be billed directly at home. 20-Year Spouse Term Rider Ages The employee must purchase coverage to add this Spouse Term Rider life benefit. $5,000 to $25,000Coverage can last for 20 years. This coverage is attached to the employee policy and will be cancelled if employee coverage is cancelled. Spouse may be covered by a individual spouse policy or Spouse Term Rider, but not both.

10 Family coverage options Who can have it? What’s the benefit amount? How long can they keep it? Individual child policy No employee or spouse purchase needed. Available to eligible children and grandchildren (14 days to 26 th birthday) Up to $50,000. Benefit amounts are based on issue age and premium selected. Your children can keep it, even if you leave your employer. Child Term Rider Available with purchase of employee or spouse policy. Available to eligible children, step-children, legally adopted children (14 days until their 25th birthday) of the primary insured adult $1,000 to $10,000* − This benefit covers all eligible children. Rider ends when your policy ends or when children turn 25. At that time, children are guaranteed the right to buy an individual whole life policy at five times the amount of their rider. *Coverage amounts may vary by state.

11 Advantages of the plan  Unum’s whole life insurance plan is voluntary. You can choose whether or not to purchase coverage, and buy only the amount that is right for your needs.  In addition to providing death benefits, the policy can build cash value, which may be utilized during your working years.  The policy includes a Living Benefit Option, available to all employee, spouse and child/grandchild policies.  The policy’s accumulated cash value may also be used to buy a smaller, “paid-up” policy on which no further premiums are due.  [Coverage is available for dependents.]  [Optional available benefits include: Enhanced 20-Year Employee Term Rider, 20-Year Spouse Term Rider, Children’s Term Rider and Accidental Death Benefit Rider.]  [Your employer has elected for you to receive the Waiver of Premium and Long Term Care Benefit Riders. 1 ] 1 LTC riders may not be available in all states. Do not use LTC rider in VT.

12 Why buy this coverage through your employer?  You get affordable rates that don’t increase as you age.  There’s no medical exam.  Your premium is paid through convenient payroll deduction.  Your employer has chosen Unum – one of the leading providers of employee benefits in the U.S.  You own the policy; therefore, you can take the coverage with you if you leave the company or retire.  Your coverage begins the first day of the month in which payroll deduction begins.

13 1. Review your enrollment materials. 2. Meet with a benefit counselor today to apply for this benefit. 3.  [ Call: (toll free #) to speak to a benefits representative during (specify enrollment dates): 8 a.m.−8 p.m. ET Monday − Friday]  [Go online to your enrollment website: (enter URL here)]  [ Complete your enrollment form and return it to appropriate contact.] How can you enroll?

14 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 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. Unum complies with all state civil union and domestic partner laws when applicable. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee In New York, underwritten by: First Unum Life Insurance Company, New York, New York unum.com © 2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1742 (7-13) FOR EMPLOYEES