1 What’s covered  This presentation is designed to cover the following: Unum history, market position Definition of accident insurance How it works Plan design Reasons to buy, guarantee issue, exclusions, etc. How to use this presentation Customizable  This presentation is designed to 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 − 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.

2 Presenter’s name | Month, year Group accident insurance An overview of the benefits EN-1604 (06-13)

3 We put people first Professional, prompt, courteous service during difficult times Why Unum? 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

4 Why do you need accident insurance? The benefit offerings An accidental injury can bust your budget Accident insurance can pay a benefit directly to you if you suffer a covered injury. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesn’t cover. Rob’s story Rob bought a new bike so he could lose a few pounds — but he lost his balance instead. He was diagnosed with a torn knee ligament and a broken toe. Rob had one lucky break — his accident insurance paid him $900! Here’s how Rob’s plan helped: $400 ambulance benefit 1 $150 emergency room benefit 2 $100 fractured toe $150 two follow up visits $100 crutches If Rob was more seriously injured, this plan could: Pay a catastrophic benefit up to $100,000 3 Covers loss of sight, hearing, paralysis and others. Pays a death benefit of $50,000 if he dies due to an accident Benefit amounts are for illustration purposes only. Actual benefit amounts can change depending on actual plan design and situs state. 1 In CT, there is a $500 benefit payable for outpatient emergency room medical care for accidental ingestion of a controlled substance. 2 In CA and CT, no ground or air ambulance benefit is payable. 3 In ME, catastrophic benefits amounts vary. Daily benefit for hospitalization due to a covered illness for up to 365 days Wellness benefit per calendar year if a covered health-screening test is performed Sickness Hospital confinement and Wellness benefits:

5 How accident insurance works How it protects  Pays a lump-sum benefit based on type of injury sustained and treatment needed  Covered injuries include broken bones, cuts, burns, eye injuries, ruptured discs, coma, etc.  Benefit can be used however employees choose The benefit offerings See the following pages for the complete Schedule of Benefits

6 Level 1

7 In CT, there is a $500 benefit payable for outpatient emergency room medical care for accidental ingestion of a controlled substance. *NH and NY have their state specific schedules 1 In CA and CT, no ground or air ambulance benefit is payable. 2 In KS, no chiropractic benefit is payable. 3 In NJ, no transportation benefit is payable. 4 In NJ, no lodging benefit is payable. 5 In ME, catastrophic benefits amounts vary. In PA, no catastrophic dismemberment benefit is available. 6 in PA, no paralysis benefit is available.

8 Level 2

9 In CT, there is a $500 benefit payable for outpatient emergency room medical care for accidental ingestion of a controlled substance. *NH and NY have their state specific schedules 1 In CA and CT, no ground or air ambulance benefit is payable. 2 In KS, no chiropractic benefit is payable. 3 In NJ, no transportation benefit is payable. 4 In NJ, no lodging benefit is payable. 5 In ME, catastrophic benefits amounts vary. In PA, no catastrophic dismemberment benefit is available. 6 in PA, no paralysis benefit is available.

10 Level 3

11 Level 3 In CT, there is a $500 benefit payable for outpatient emergency room medical care for accidental ingestion of a controlled substance. *NH and NY have their state specific schedules 1 In CA and CT, no ground or air ambulance benefit is payable. 2 In KS, no chiropractic benefit is payable. 3 In NJ, no transportation benefit is payable. 4 In NJ, no lodging benefit is payable. 5 In ME, catastrophic benefits amounts vary. In PA, no catastrophic dismemberment benefit is available. 6 in PA, no paralysis benefit is available.

12 Additional coverage options Sickness Hospital Confinement Benefit *  This benefit pays you, your spouse or child(ren) a daily benefit if he or she is in the hospital for a covered illness.  The benefit amount is [$100, $200 or $300] per day for you and spouse; children receive 75% of your benefit amount. The benefit offerings *The definition of hospital does not include certain facilities. See your contract for details. CT, DC, KS,NH, CO,NY, NJ and VT— the Sickness Hospital Confinement Benefit and Wellness Benefit are not available. Pre-existing condition limitation can vary in some states. This benefit is subject to a 12-month pre- existing condition limitation. Benefits for a pre-existing condition will not be paid during the first 12 months for an injury or symptoms that occurred within the first 12 months the coverage is in force.

13 Additional coverage options Wellness Benefit Each covered individual will automatically receive the health screening benefit rider, which can pay [$50, $75, or $100] annual for a covered health screening test 1.  Covered tests include: Colonoscopy Mammography Pap smear Skin cancer biopsy PSA (blood test for prostate cancer) Serum cholesterol test to determine LDL and HDL levels Stress test on a bicycle or treadmill Not available in all states

14 Available family coverage Employee coverage  Accident insurance is offered to all eligible employees who are actively at work 1. Spouse coverage  Spouses between the ages of 17 and 64. Must live in the United States Child coverage  Coverage is available to children, stepchildren, and legally adopted children newborn to 26 years * who depend on the employee for support. The benefit offerings *In GA, IL and ND, child coverage is available newborn until their 27th birthday. 1 Being “actively at work” means that on the day the employee applies for coverage, he/she is working at one of his/her company’s business locations, or is working at a location where he/she is required to represent his/her company. If he/she is applying for coverage on a day that is not a workday, then he/she will be considered actively at work if he/she meets this definition as of the last scheduled workday. Employees are not considered actively at work if their normal duties are limited or altered due to their health, or if they are on a leave of absence.

15 Why purchase accident insurance coverage?  No health questions to answer for the base plan. If you apply, you automatically receive the base plan.  Your coverage is portable, so you take it even if you leave the company or retire. Unum will bill you directly for the same premium.  Premiums are conveniently deducted from your paycheck.  Family coverage available.

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: EmployerName/default.htm EmployerName/default.htm  Complete your enrollment form and return it to appropriate contact. How can you enroll? Eliminate any paragraphs that don’t apply

17 THIS IS A LIMITED POLICY Not available in all states. Benefits may vary in some states. 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 form GA-1 or contact your Unum representative. Unum complies with all state civil union and domestic partner laws when applicable. Underwritten by: Unum Life Insurance Company of America, Portland, Maine unum.com © 2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1604 (06-13) FOR EMPLOYEES