1 What’s covered This presentation is designed to cover the following:  Unum history, market position  What is hospital indemnity 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 and situs state.  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 Hospital indemnity insurance EN-1721 (6-13) Underwritten by: Unum Life Insurance Company of America Voluntary benefits Hospital indemnity insurance Presenter’s name | Month, Year

3 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 Highly trained benefit specialists ready to assist you We put people first Professional, prompt, courteous service during difficult times Financial stability Solid financial ratings, even in today’s tough economy Why Unum?

4 “I thought my medical insurance covered my costs.” Your medical insurance covers many of the costs associated with a hospital stay and outpatient surgery, but what you may not know is that you could still be left with significant out-of-pocket expenses such as: The obvious: Medical insurance deductibles Medical co-pays; hospital or ambulatory care co-pays; co- insurance and prescription drug co-pays Rehabilitation Alternative treatments The not-so-obvious: Childcare Transportation to health facilities Diagnostic tests Who needs hospital indemnity insurance?

5 Frank’s story Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances. His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings. A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries. Plan 1 Why buy hospital indemnity insurance? Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover.

6 Frank’s story Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances. His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings. A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries. Plan 2 Why buy hospital indemnity insurance? Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover.

7 Frank’s story Frank works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances. His recovery kept him in the hospital for a few days, but Frank’s hospital indemnity coverage protected his savings. A lump-sum benefit helped Frank with the unexpected costs – so he could get back to work with fewer worries. Frank’s hospital indemnity insurance helped provide funds for some of the out-of-pocket costs his medical insurance didn’t cover. Plan 3 Why buy hospital indemnity insurance?

8 What are my benefits under this plan? CA, MA, ME and TX: Employees must have comprehensive medical coverage before purchasing hospital indemnity insurance. Plan 1 Your employer has selected a specific benefit amount to complement your medical plan:  $500–$5,000 for each covered hospital admission [In addition, your employer has chosen to include:  [$100–$400 for each day of your covered hospital stay, up to 15 days]  [$200–$800 for each day you spend in intensive care, up to 15 days]  [$150 for emergency room treatment for an accident (once per year)]  [$100 for ambulance or $500 for air ambulance transportation (once per year)] Covered health events and lump-sum benefits

9 What are my benefits under this plan? CA, MA, ME and TX: Employees must have comprehensive medical coverage before purchasing hospital indemnity insurance. Plan 2 Your employer has selected a specific benefit amount to complement your medical plan:  $500–$5,000 for each covered hospital admission  $250–$1,000 for physician-ordered diagnostic procedures (once per year)  $500–$2,000 for outpatient surgery, depending on the procedure, to a calendar-year maximum [In addition, your employer has chosen to include:  [$100–$400 for each day of your covered hospital stay, up to 15 days]  [$200–$800 for each day you spend in intensive care, up to 15 days]  [$150 for emergency room treatment for an accident (once per year)]  [$100 for ambulance or $500 for air ambulance transportation (once per year)] Covered health events and lump-sum benefits

10 What are my benefits under this plan? CA,MA, ME and TX: Employees must have comprehensive medical coverage before purchasing hospital indemnity insurance. Plan 3 Your employer has selected a specific benefit amount to complement your medical plan:  $500–$5,000 for each covered hospital admission  $250–$1,000 for physician-ordered diagnostic procedures (once per year)  $500–$2,000 for outpatient surgery, depending on the procedure, to a calendar-year maximum  $250–$1,000 for covered inpatient surgery (once per year)  A travel benefit of $0.40 per mile, for up to three round trips (1,200 miles per round trip), if you meet the following guidelines:  You must have a physician’s referral  You must have a hospital stay or outpatient surgery  The trip must be at least 50 miles one way  A lodging benefit of $150 per night to lodge a companion during your hospital stay, up to 30 nights Covered health events and lump-sum benefits

11 What are my benefits under this plan? CA,MA, ME and TX: Employees must have comprehensive medical coverage before purchasing hospital indemnity insurance. Plan 3 In addition, your employer has chosen to include:  [$100–$400 for each day of your covered hospital stay, up to 15 days]  [$200–$800 for each day you spend in intensive care, up to 15 days]  [$150 for emergency room treatment for an accident (once per year)]  [$100 for ambulance or $500 for air ambulance transportation (once per year)]  [$100–$400 for each day of your covered stay in a rehabilitation unit, up to 15 days] Covered health events and lump-sum benefits (continued)

12 Wellness Benefit Based on the plan selected by your employer, this benefit can pay $50, $75, $100 per calendar year per insured individual if a covered health screening test is performed. Screening tests include, but are not limited to:  Colonoscopy  Mammography  Colonoscopy  Skin cancer biopsy  PSA (blood test for prostate cancer)  Chest X-rays  Stress test on a bicycle or treadmill

13 In addition to employee coverage, you can choose the following coverage options:  Employee & spouse  Employee, spouse & child  Employee & child Eligibility Spouse – Ages 17 to 64 with purchase of employee policy Children – Available with purchase of employee policy for eligible children and stepchildren, newborn to age 26,* regardless of marital or student status. Family coverage options * In IL, dependent child(ren) covered to age 30 if actively enrolled in the military.

14 Pre-existing condition limitation: Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a result of a pre-existing condition† Policy provisions †A pre-existing condition is a sickness or injury or symptoms of a sickness or injury, whether diagnosed or not, for which you received medical treatment, consultation, care or services, including diagnostic measures, took prescribed drugs or medicine or had been prescribed drugs or medicine to be taken during the 12 months just prior to your coverage effective date. ††Varies by state. Coverage effective date Pre-existing limitation no longer applies 12 months †† before effective date 12 months †† after effective date

15  Hospital admissions can cause serious financial setbacks, due to out-of-pocket costs that are not covered by a typical medical plan.  Hospital indemnity benefits are paid in a lump sum, not as cost reimbursement. You can use the benefits to help pay some out-of- pocket expenses like co-insurance, co-pays, deductibles and other costs associated with hospitalization – or however you choose.  [No physical exam is required for eligibility; guaranteed issue is available.]  You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently payroll deducted.  A variety of family coverage options is available.  [An annual Wellness Benefit is available for all covered family members.]  Coverage becomes effective on the first day of the month in which payroll deductions begin.  [Coverage may be portable – no new health questions required.] Advantages of hospital indemnity insurance Why apply now?

16 1.Review your enrollment materials. 2.[Meet with a benefit representative 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: ] [fill in]  [ Complete your enrollment form and return it to appropriate contact.] How can you enroll?

17 GROUP HOSPITAL INDEMNITY INSURANCE IS A LIMITED POLICY. Eligibility for, entitlement to, and amount of actual benefits will be determined according to the terms of the voluntary group hospital indemnity insurance policy. Underwritten by: Unum Life Insurance Company of America, Portland, Maine 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 which may affect any benefits payable. For complete details of coverage and availability, please refer to policy form GHI-1 and contact your Unum representative. Unum complies with all state civil union and domestic partner laws when applicable. Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Spouses and dependents must live in the U.S. to receive coverage. unum.com © 2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1721 (6-13)FOR EMPLOYEES