1 What’s covered This presentation is designed to cover the following:  Unum history, market position  What is Short Term Disability 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 or slides that do not apply to your state/policy.  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 determine if a slide applies to your case/state and policy. How to use this presentation

2 Individual Short Term Disability Insurance An overview of the benefits Presenter’s name | Month, Year EN-1163 (2-15)

3 Why Unum? We put people first Professional, prompt, courteous service during difficult times Proven experience 165 years of benefits innovation and leadership Financial stability Solid financial ratings, even in today’s tough economy

4 Why do you need disability insurance? If you got hurt or sick and couldn’t work… Other insurance usually doesn’t help. Can help create an important financial safety net could you afford to pay your bills? But... disability insurance pays a portion of your lost income if you suffer a covered disability.

5 Disability. What’s the risk? 1, 2 National Safety Council, Injury Facts (2014). 3 Council for Disability Awareness, “Chances of Disability: Me, Disabled?” (2012; accessed Jun. 15, 2014), Consider the odds A disability can come out of nowhere  Every 10 minutes more than 700 Americans suffer an injury severe enough to seek medical help. 1  That’s about 38 million per year. 2 But injuries aren’t the only reasons you might not be able to work  Approximately 90% of all disabilities are caused by illnesses rather than accidents. 3 You never know when a disability will strike. But being prepared really helps.

6 Sandra relies on her income to help her maintain her quality of life. So when she slipped and broke her leg, she was glad her Unum Short Term Disability Insurance helped replace part of her income when she recovered from surgery. Sandra’s story Here’s How Individual Short Term Disability Insurance can help Short Term Disability Insurance can replace a portion of your income while you are disabled. Sandra’s benefits helped her pay her bills without draining her savings or going into debt, including: Mortgage Groceries Utilities Car insurance Medical bills Credit card bills

7 Your plan overview Please see your enrollment materials for full coverage details, exclusions and limitations. How much coverage can I get? [Insert appropriate text based on plan design- see speaker notes] How long do my Short Term Disability benefits last? As long as you continue to meet your policy’s definition of disability, you may receive benefits for up to [xx] months. 3 Who can get coverage? You are eligible for this benefit if you work at least X hours per week for Company Name. When do my Short Term Disability benefits begin? (elimination period) [Insert appropriate text based on plan design-see speaker notes]

8 What else do I need to know? Waiver of premiumPortability Coverage effective date Pre-existing limitation no longer applies [Pre-existing condition] [12] months before effective date [12] months after effective date [Mental Illness Rider] [Pregnancy]

9  Income protection  [Guaranteed issue*]  [Affordable rates based on age]  [Employer contribution] Why purchase Short Term Disability coverage now? [*Benefits may be subject to a pre-existing condition limitation]  [Convenient payroll deduction]  [Covers disabilities that leave you with no or limited ability to work]  [Portable]

10 How can you enroll? Review your enrollment materials. Meet with an benefit counselor today to apply for this benefit. Action:  [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:  [Complete your enrollment form and return it to appropriate contact.]

11 Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. THIS POLICY PROVIDES DISABILITY INCOME INSURANCE ONLY. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department. Of Financial Services The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee In New York, underwritten by: First Unum Life Insurance Company, New York, New York 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 and availability, please refer to Policy Forms L-21726, FUL and L CA or contact your Unum representative. 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. unum.com © 2015 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1163 (2-15)FOR EMPLOYEES