2. Benefit Solutions That Count Benefits counseling to help each employee understand and appreciate Benefits available at work. Enrollment options That save time and money. Insurance products Tailored to personal needs.

3. Benefits Counseling Count on Colonial Life’s BENEFITS COMMUNICATION to help your employees understand and appreciate what you do for them.

4. Customized Materials Print materials Payroll stuffers Posters Fliers Brochures Newsletter articles E-mail announcements PowerPoint presentations Spanish materials

5. Create Greater Employee Satisfaction Group Meetings 1-to-1 Meetings Salary Illustration & Benefit Statements

6. Group Meetings Major medical Dental Vision 401(k) and pension plans Disability PTO/sick leave

7. 1-to-1 Meetings Customized presentation of benefits and employee contributions. Paycheck illustrations, benefits statements & election forms. Update employee data.

8. Paycheck Illustrations

9. Customized Benefit Statements  Employer’s Contribution

10. Enrollment Options Count on Colonial Life to make your ENROLLMENT easy, streamlined and efficient.

11. Enrollment Options 1-to-1 enrollments Call Center Co-browsing Self enrollment and group meetings All powered by Harmony ®

12. Complete the Process

13. Personal Insurance Products Count on Colonial Life’s PERSONAL INSURANCE PRODUCTS to give you flexibility in providing the benefits that make the most sense for your employees.

14. Help Fill the Gaps Employer Benefits Package Medical Life Retirement Colonial Life’s Personal Insurance Products Colonial Life’s Personal Insurance Products

15. Personal Insurance Product Portfolio Short-Term Disability Life Accident Cancer and Critical Illness Hospital Confinement Indemnity Limited Benefit Medical Plan

16. Superior Services Count on Colonial Life’s SUPERIOR SERVICES to make your administrative life easier.

17. Premium Only Plan Save on taxes. Increase employees’ spendable income. *Based on 26 pay periods

18. Flexible Spending Accounts Save on taxes. Increase employees’ spendable income. *Based on 2006 South Carolina Tax Tables

19. Superior Services Save valuable administrative time with services you can count on.

20. E Services E-Services provide value-added tools: Ez Billing “paperless” billing system E-Pay E-Bill Ez-Administration

21. Long-Term Relationships Approximately 65% of Colonial Life’s new premium historically comes from existing business each year. Source: Colonial Life records, 2008

22. Superior Services 9 in 10 Colonial Life claimants are satisfied with claims service overall & would recommend Colonial Life to others. 2008 LIMRA Survey

23. Superior Services More than 90% of Colonial Life policyholders say their calls are answered in a timely manner. 2008 LIMRA Survey

24. Making Benefits Count Let Colonial Life provide you with the personal insurance products and superior services you can count on to make your business a success. Making benefits count for you and your employees. That’s Colonial Life.

25. ©2009 Colonial Life & Accident Insurance Company. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life