From the Gen Re Disability and Life Fact Books Prepared for: Gen Re Producer Advisory Board Marketplace Facts & Statistics

Proprietary and Confidential | © General Re Life Corporation Proprietary Notice The material contained in this presentation has been prepared solely for informational purposes by Gen Re. The material is based on sources believed to be reliable and/or from proprietary data developed by Gen Re, but we do not represent as to its accuracy or its completeness. The content of this presentation is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances. Presentation for Producer Advisory Board | 02/2011 1

Proprietary and Confidential | © General Re Life Corporation Market Profile Presentation for Producer Advisory Board | 02/ Trend in LTD & STD Sales Premium Growth Rates Source: Gen Re, 2009 U.S. Group Disability Market Survey (*2009 growth rates include new business on existing cases)

Proprietary and Confidential | © General Re Life Corporation Market Profile Presentation for Producer Advisory Board | 02/ Trend in LTD & STD Inforce Premium Growth Rates Source: Gen Re, 2009 U.S. Group Disability Market Survey

Proprietary and Confidential | © General Re Life Corporation Market Profile Presentation for Producer Advisory Board | 02/ Trend in Basic Group Term Life Premium Growth Rates Source: Gen Re, 2009 U.S. Group Life Market Survey (2009 new sales include new business on existing cases)

Proprietary and Confidential | © General Re Life Corporation Market Potential Presentation for Producer Advisory Board | 02/ Employee Access and Participation in Insurance Benefits by Occupational Group, March 2009 Access: Participation: Source: U.S. Department of Labor, Bureau of Labor Statistics, National Compensation Survey: Employee Benefits in Private Industry in the United States, released July 2009

Proprietary and Confidential | © General Re Life Corporation Market Potential Presentation for Producer Advisory Board | 02/ Employee Access and Participation in Insurance Benefits by Number of Employees, March 2009 Source: U.S. Department of Labor, Bureau of Labor Statistics, National Compensation Survey: Employee Benefits in Private Industry in the United States, released July 2009 Access: Participation:

Proprietary and Confidential | © General Re Life Corporation Contributing Causes of Disability Presentation for Producer Advisory Board | 02/ Top Ten New Long Term Disability Claims, Source: Gen Re, U.S. Group Disability Rate & Risk Management Survey (Note: Percent of new claims as of 12/31 for each year listed; represents average for participating companies)

Proprietary and Confidential | © General Re Life Corporation Contributing Causes of Disability Presentation for Producer Advisory Board | 02/ Top Ten New Short Term Disability Claims, Source: Gen Re, U.S. Group Disability Rate & Risk Management Survey (Note: Percent of new claims as of 12/31 for each year listed; represents average for participating companies)

Proprietary and Confidential | © General Re Life Corporation Need For Insurance Presentation for Producer Advisory Board | 02/ Average Duration for Long Term Disability Source: Reprinted with permission of the publisher from the 2010 Field Guide to Estate, Employee & Business Planning, by Donald F. Cady, Copyright 2010, The National Underwriter Company, (Figures based upon Commissioners Disability Table and Commissioners 1980 Standard Ordinary Mortality Table)

Proprietary and Confidential | © General Re Life Corporation Need for Insurance Presentation for Producer Advisory Board | 02/ Level of Worker Concern with How to Pay Living Expenses in the Event of a Disability Source: Council for Disability Awareness, Worker Disability Planning and Preparedness Study, 2008 Eight in 10 workers are concerned about how they would pay their living expenses if they had to miss work for six months or longer due to disability.

Proprietary and Confidential | © General Re Life Corporation Need for Insurance Presentation for Producer Advisory Board | 02/ Likelihood of Using Benefits vs. Perceived Financial Impact Source: Sun Life Financial, Gen Re, Voluntary Benefits: Key Factors Influencing Employees Choices Study, 2010 (*Based on a scale with 7 being Significant and 1 being No Impact)

Proprietary and Confidential | © General Re Life Corporation Need for Insurance Presentation for Producer Advisory Board | 02/ An International Comparison–Life Expectancy at Birth Source: U.S. Census Bureau, Statistical Abstract of the United States: 2011, International database *Projected data

Proprietary and Confidential | © General Re Life Corporation Need for Insurance Presentation for Producer Advisory Board | 02/ States with the Highest Age-Adjusted Death Rates, 2008* Source: Miniño AM, Xu JQ, Kochanek KD; Deaths: Preliminary Data for 2008; National Vital Statistics Reports; Vol. 59 No. 2; Hyattsville, MD: National Center for Health Statistics, 2010 *Projected data

Proprietary and Confidential | © General Re Life Corporation Demographic & Economic Trends Presentation for Producer Advisory Board | 02/ Personal Savings as a Percentage of Disposable Personal Income Source: U.S. Department of Commerce, Bureau of Economic Analysis, National Income and Product Accounts Table, released September 2010 (2010 data from January through June) 9.8% 5.7%

Proprietary and Confidential | © General Re Life Corporation Demographic & Economic Trends Presentation for Producer Advisory Board | 02/ Household Income vs. Average Annual Expenditures Source: U.S. Department of Labor, Bureau of Labor Statistics, Consumer Expenditures–2009, released October 2010 (Note: Income is before taxes; average number in consumer unit: persons–2.5, earners–1.3)