1. Specified Critical Illness Insurance An overview of the benefits
Suggested introduction:
Hello. My name is _________. I’m a benefits counselor with Unum. I’m here on behalf of [Company Name] to tell you about a valuable financial protection benefit available to employees -- Specified Critical Illness insurance.
Your HR department wants to make sure you understand enough about this benefit to decide whether it is right for you. So I will spend the next few minutes….
- Giving you an overview of the plan…
- Explaining how this plan could benefit you and your family…
- And answering any questions you may have.
Remember, I don’t work on commission -- so there’s no pressure for you to buy anything. My goal today is to provide you with the knowledge you need to make an informed decision about this benefit.
Are there any questions before I begin?
Transition statement – Before we talk about Critical Illness insurance, let me introduce you to Unum, the benefits provider [employer name] has chosen to offer this valuable coverage to you.
Presenter’s name | Month, Year
EN-1164 (7-15) 1

2. Why Unum? Proven experience
165 years of benefits innovation and leadership
We listen to you
Our benefit specialists understand how an illness can affect your life
We put people first
Professional, prompt, courteous service during difficult times
Financial stability
Solid financial ratings, even in today’s tough economy
We put people first
Professional, prompt, courteous service during difficult times
Speaker Notes:
[Refer to slide.]
With more than 160 years of benefits experience, we back our products with a commitment to providing high-quality service.
We have received excellent financial strength ratings that reflect our stability, even in a tough economy.
Most of all, we are a company of people serving people. You can trust that if you have to file a claim, we will be there for you -- when you need us most.
Transitional statement:
You probably already have health insurance, as well as dental and vision coverage. You might think, “I’m young and healthy -- a serious illness isn’t going to happen to me.” But take a look at the real risk. 2

3. Who needs Specified Critical Illness Insurance?
Who is at risk?
Every 34 seconds someone in America will have a coronary event.1
Every 40 seconds someone in America will have a stroke.2
The risk of developing cancer during a lifetime is nearly 1 in 2 for men and 1 in 3 for women. 3
Speaker Notes:
We’d all like to think we’re not going to become critically ill, but statistics show that it can happen. While certain individuals are more susceptible to specific conditions, in general, critical illnesses don’t discriminate – regardless of age, gender, race, or occupation. They can strike anyone at any time.
Consider these facts:
[review “Who is at risk” bullets]
Transition statement:
Unfortunately, having health insurance may not be enough. There are some medical expenses that your medical insurance won’t cover.
Let’s take a closer look….
1,2 American Heart Association, “Heart Disease and Stroke Statistics — 2013 Update: A Report from the American Heart Association,” Circulation (Jan. 1/8, 2013).
3 American Cancer Society, “Cancer Facts & Figures 2015” (2015).

4. Could your wallet survive a critical illness?
How would you pay for everyday expenses if you are ill and can’t work?
Health insurance typically covers:
The costs for care and treatment of a critical illness
Health insurance may not cover:
Prescription co-payments
Diagnostic tests
Rehabilitation
Transportation to health facilities
Private nursing or home health care
Alternative or experimental treatments
Family travel for visits
Speaker Notes:
Thanks to modern medicine, more people are surviving heart attacks, strokes and other critical health problems. But the “cure” often comes at a high price. Even with medical insurance, you could face thousands of dollars in out-of-pocket costs such as:
[review bullets]
It’s also important to remember that if you are seriously ill and can’t work, you still have everyday expenses. Your mortgage, a car payment, credit card payments, household expenses, child care – the list can really add up.
Unum’s specified critical illness insurance is designed to help provide the additional financial protection you may need if a sudden illness strikes.
Transition statement:
So, how can critical illness insurance help?

5. Why buy Critical Illness Insurance?
Critical Illness Insurance can help you keep your finances in check, by providing a benefit when the expenses of a serious illness start to add up.
You can choose a benefit amount from $5,000 to $50,000.*
Will’s story:
Will plays racquetball and bikes at least three times a week. When he started training for a marathon, he didn’t expect a heart attack to stop him in his tracks. Will made a full recovery, but he wasn’t sure his bank account would.
Will had out-of-pocket costs that his medical insurance didn’t cover:
Will’s Critical Illness Insurance helped cover the cost
Because he had selected a benefit amount of $20,000, his plan paid him that amount in a lump sum, regardless of what he spent. Will could use it for his out-of-pocket costs and to help pay the bills while he was unable to work.
Speaker Notes:
Let me show you how this benefit works.
[Go over illustration in slide]
Critical illness insurance can pay a lump sum benefit if you’re diagnosed with a covered illness. You get to choose the level of coverage that best meets your needs and budget. It can be anywhere from $5,000 to $50,000.
The lump-sum benefit is paid directly to you -- not to a medical provider, such as a doctor or hospital. That means you can use your benefit any way you see fit, such as paying bills, groceries and even child care.
The critical illness benefit can reduce financial pressures on you, so you can focus on getting well, rather than on your bills.
And, you receive your full benefit amount – even if your health insurance pays
for some of your treatment.
Transition statement:
Now that you understand how critical illness insurance works, let’s talk about what specific critical illnesses are covered under this plan.
For illustrative purposes only.
* In FL, employee coverage is available from $8,000 up to $49,600 in $1,600 increments for CI 01. In NC, employee coverage is available from $7,500 to $49,500 in $1,500 increments.

6. Covered illnesses and payment percentages
CI05 base plan and CI01
Basic plan - covered critical illness
Percentage of the benefit amount paid
Heart attack
100%
Stroke1
Major organ transplant2
Permanent paralysis3
End-state renal (kidney) failure
Coronary artery bypass surgery4
25%
[enroller note: this slide refers only to the base plan- please delete if not applicable.]
Speaker Notes:
Here are the illnesses and events covered under the critical illness policy, along with the corresponding payment percentages.
You can receive a lump-sum benefit if you are diagnosed with one of the following covered critical illnesses. [refer to slide]
Remember, you get to choose your benefit amount, from $5,000 to $50,000, in increments of $1,000.
1 Evidence of persistent neurological deficits confirmed by a neurologist at least 30 days after the event.
2 Undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney or pancreas.
3 Complete and permanent loss of the use of two or more limbs for continuous 180 days as a result of a covered accident.
4 Limited to one payout per lifetime for each covered insured; child coverage payable at 100%. We will pay 25% of the benefit amount if the insured individual has coronary artery bypass surgery. If that individual is later diagnosed with a different covered critical illness, we will pay the policy benefit amount, less the amount he or she received for coronary artery bypass surgery.

7. Covered illnesses and payment percentages
CI05 plan and CI01
Basic plan - covered critical illness
Percentage of the benefit amount paid
Heart attack
100%
Stroke1
Major organ transplant2
Permanent paralysis3
End-state renal (kidney) failure
Coronary artery bypass surgery4
25%
You may choose to add the following additional specified critical illness benefits for all insured individuals covered by a critical illness policy or rider.
Cancer
Carcinoma in situ4
[Enroller notes: use this slide if employer chose to offer cancer coverage. This slide can be use with CI01 and the Enhanced plan (two payouts over the life of the policy-one for base conditions one for cancer) PLEASE DELETE IF NOT APPLICABLE.
Cancer And Carcinoma In Situ Rider (optional). If your employer chooses to add this coverage, you can elect or decline coverage for yourself and your family members. It pays benefits if you’re diagnosed with cancer or carcinoma in situ occurs after you fulfill a 30-day waiting period. (Upon diagnosis of cancer, 100% of the benefit amount may be paid. Upon diagnosis of carcinoma in situ, 25% of the benefit amount may be paid.) There is an additional premium for this rider.]
Speaker Notes:
Here are the illnesses and events covered under the critical illness policy, along with the corresponding payment percentages. You can receive a lump-sum benefit if you are diagnosed with one of the following covered critical illnesses. [refer to slide]
[For CI 05 with cancer and carcinoma rider being offered:
This plan can provide an additional benefit if you’re diagnosed with cancer or carcinoma in situ.]
Remember, you get to choose your benefit amount, from $5,000 to $50,000, in increments of $1,000.
[In Florida, the increments are $1,600 for CI01 and minimum EE amt is $8,000.]
1 Evidence of persistent neurological deficits confirmed by a neurologist at least 30 days after the event.
2 Undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney or pancreas.
3 Complete and permanent loss of the use of two or more limbs for continuous 180 days as a result of a covered accident.
4 Limited to one payout per lifetime for each covered insured; child coverage payable at 100%. We will pay 25% of the benefit amount if the insured individual has coronary artery bypass surgery. If that individual is later diagnosed with a different covered critical illness, we will pay the policy benefit amount, less the amount he or she received for coronary artery bypass surgery.

8. The advantages of Specified Critical Illness Insurance
CI05 base plan and CI01
The policy can provide a lump-sum benefit paid upon first diagnosis of a covered critical illness or event.
Individually owned policy available through payroll deduction.
Covered illnesses include heart attack, stroke, permanent paralysis, major organ transplant, kidney failure and coronary artery bypass surgery.*
Face amounts of $5,000 to $50,000 in $1,0001 increments available to eligible employees ages who are actively at work.3
Family coverage options are available for spouse and children.
No physical exams are required to apply for coverage; however, your medical history may affect benefits subject to a pre-existing condition provision.(No pre-ex in CI01)
Coverage becomes effective on the date shown in your policy schedule page.
You own the policy and can take your coverage with you – at the same benefit amount and premium – even if you leave the company or retire.
*Please refer to the policy for complete definitions of covered specified illnesses.
[Enroller note: this slide refers only to the base plan.]
Speaker Notes:
By purchasing Unum’s specified critical illness insurance at work, you’ll have access to a variety of valuable policy features. Let’s review what this plan can offer you.
[refer to slide]
Transitional statement:
Do you have any questions so far? If not, let’s move on and review the additional coverage options that are available to you.
1 In WA, the minimum policy is $25,000. For CI 01 in Florida, employee coverage is available from $8,000 up to $49,600 in $1,600 increments. In NC, employee coverage is available from $7,500 to $49,500 in $1,500 increments. 2 To age 64 in California. 3 Being “actively at work” means that on the day you apply for coverage, you are working at one of your company’s business locations, or you are working at a location where you are required to represent your company. If you are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition as of your last scheduled workday. You are not considered actively at work if your normal duties are limited or altered due to your health, or if you are on a leave of absence.

9. The advantages of Specified Critical Illness Insurance
CI05 and CI01
The policy can provide a lump-sum benefit paid upon first diagnosis of a covered critical illness or event. (remove this bullet for CI01)
Individually-owned policy available through payroll deduction.
Covered illnesses include heart attack, stroke, major organ transplant, kidney failure, coronary artery disease and optional cancer.*
Face amounts of $5,000 to $50,000 in $1,0001 increments available to eligible employees ages who are actively at work.3
Family coverage options are available for spouse and children.
No physical exams are required to apply for coverage; however, your medical history may affect benefits subject to a pre-existing condition provision.
Coverage becomes effective on the date shown in your policy schedule page.
You own the policy and can take your coverage with you – at the same benefit amount and premium – if you leave the company or retire.
*Please refer to the policy for complete definitions of covered specified illnesses.
[enroller note: this slide refers only to the enhanced plan.]
Speaker notes: By purchasing Unum’s specified critical illness insurance at work, you’ll have access to a variety of valuable policy features. Let’s review what this plan can offer you.
[refer to slide]
Transitional statement:
Do you have any questions so far? If not, let’s move on and review the additional coverage options that are available to you.
1 In WA, the minimum policy is $25,000. For CI 01 in Florida, employee coverage is available from $8,000 up to $49,600 in $1,600 increments. In NC, employee coverage is available from $7,500 to $49,500 in $1,500 increments. 2 To age 64 in California. 3 Being “actively at work” means that on the day you apply for coverage, you are working at one of your company’s business locations, or you are working at a location where you are required to represent your company. If you are applying for coverage on a day that is not one of your scheduled workdays, then you will be considered actively at work if you meet this definition as of your last scheduled workday. You are not considered actively at work if your normal duties are limited or altered due to your health, or if you are on a leave of absence.

10. Health Screening Benefit Rider*
Each covered insured individual will automatically receive the Health Screening Benefit Rider, which can pay $50 per calendar year per insured individual if a covered health screening test1 is performed. Screening tests include, but are not limited to:
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
[Enroller note: only include this slide in the presentation if the employer has elected this rider.
Not that HSB is no longer available in NH]
Speaker notes:
You’ll also receive additional coverage with your policy through the health screening benefit rider.
This benefit pays $50 per calendar year per insured individual if a covered health-screening test is performed, including blood tests, chest X-rays, stress tests, mammograms and colonoscopies.
Basically, you could receive a one time payment equal to $50 per calendar year, if one of these tests is performed …
In most cases, you’d qualify for this additional benefit payment – just by having your yearly check-up or physical.
And if you purchase coverage for your family, then each covered member will also be eligible.
These are just a few of the tests covered under this rider. You can view the complete list of tests in your policy.
Transition statement:
We mentioned that you can apply for coverage for family members. Let’s talk about your coverage options.
1 Insured individuals are eligible for benefits 30 days after the effective date of coverage.
*The Health screening benefit rider is not available in NH.

11. What’s the benefit amount?
Family coverage options
CI05
Who can have it?
What’s the benefit amount?
Spouse Rider Age 16 to 64; available with purchase of employee coverage; your spouse may be required to answer health questions
From $5,000 to $30,000 in $1,000 increments1
Child Rider Available with purchase of employee coverage for eligible children, step-children, legally adopted children and grandchildren, ages 14 days to age 26, regardless of marital or student status.
$5,000 or $10,000 – one rider covers all children
Speaker Notes:
Because you own this policy, your spouse can keep coverage as long as you keep yours, no matter where – or if – you work.
Children must be unmarried and dependent on you for at least half of their support. Child coverage is independent from yours and it can be kept regardless of whether you keep yours .
Any questions?
Transition statement:
Now let’s take a few minutes to review a few of the things that aren’t covered by this policy.
1 In NC, spouse coverage is available from $7,500 to $30,000 in $1,500 increments.

12. What’s the benefit amount?
Family coverage options
CI01
Who can have it?
What’s the benefit amount?
Spouse Rider Age 16 to 64; available with purchase of employee policy*
From $5,000 to $30,000 in $1,000 increments1
Child Rider Available with purchase of employee coverage for eligible children, step-children, legally adopted children, newborn to age 26, regardless of marital or student status
$2,500 or $5,000 – one rider covers all children
Speaker Notes:
Because you own this policy, your spouse can keep coverage as long as you keep yours, no matter where – or if – you work.
Children must be unmarried and dependent on you for at least half of their support. Child coverage is independent from yours and it can be kept regardless of whether you keep yours .
Any questions?
Transition statement:
Now let’s take a few minutes to review a few of the things that aren’t covered by this policy.
*In MA, NJ, PA and VA, certificates will be issued.
1 In TX spouse rider maximum is $25,000. In FL, spouse coverage is available from $8,000 up to $28,800 in $1,600 increments. In NC, spouse coverage is available from $7,500 to $30,000 in $1,500 increments.

13. Policy provisions Reduction of benefits
CI05 and CI01
Reduction of benefits
The benefit amount for the employee and spouse policy reduces by 50% on:
The first policy anniversary after the insured individual’s 70th birthday; or
Five years after the policy date, whichever is later.
Premiums for the policy will not be reduced. If you receive partial benefits for coronary artery bypass surgery or carcinoma in situ before the reduction of benefits, then your new benefit amount will be calculated by applying the 50% to the benefit amount reduced by the prior payout.
[enroller note: this slide refers only to the base plan.]
Speaker Notes:
As with all insurance policies, it’s important for you to understand any limitations or provisions.
Let’s go over the reduction of benefits provision for your critical illness coverage. [refer to slide]
Transition statement:
Next, let’s talk about what “pre-existing condition” refers to under your critical illness coverage.

14. Policy provisions Reduction of benefits
CI05 and CI01
Reduction of benefits
The benefit amount for the employee and spouse policy reduces by 50% on:
The first policy anniversary after the insured individual’s 70th birthday; or
Five years after the policy date, whichever is later.
Premiums for the policy will not be reduced. If you receive partial benefits for coronary artery bypass surgery or carcinoma in situ before the reduction of benefits, then your new benefit amount will be calculated by applying the 50% to the benefit amount reduced by the prior payout.
The additional cancer and carcinoma in situ benefit:
No benefits will be paid for cancer or carcinoma in situ if the date of diagnosis occurs during the first 30 days from the coverage effective date.1
[enroller note: this slide refers to the enhanced plan.]
Speaker Notes:
As with all insurance policies, it’s important for you to understand any limitations or provisions.
Let’s go over the reduction of benefits provision for your critical illness coverage. [refer to slide]
Also, please keep in mind that you may only receive benefits for cancer and carcinoma in situ if the diagnosis is made 30 days or more after your coverage becomes effective.
Transition statement:
Next, let’s talk about what “pre-existing condition” refers to under your critical illness coverage.
1 Insured individuals are eligible for coverage 30 days after the effective date of coverage. In SD, a 90-day waiting period applies. In IN, there is no waiting period.

15. Pre-existing condition limitation
CI05
Pre-existing condition limitation
What is a pre-existing condition?
It’s a sickness or physical condition for which within 12 months before the coverage effective date:
Symptoms existed that would cause you to seek treatment; or
You were treated, received advice from a doctor or took prescribed medicine.
Benefits for a pre-existing condition will not be paid during the first 12 months the policy is inforce.
[Enroller notes: Go over slide points. Avoid getting into specific claim scenarios. Each claim is different and it will be reviewed based on its own merits.]
Speaker Notes:
[go over slide]
Does anyone have any questions?
The pre-existing condition provision may vary by state.

16. Exclusions (required if CI 01 and being used for AZ enrollees)
Exclusions: We will not pay benefits for a specified critical illness that occurs as a result of: transient ischemic attacks; balloon angioplasty; laser relief or other like procedures or attempting to participate in an illegal activity; your committing or attempting to commit suicide or injuring yourself intentionally, whether you are sane or not; your participating for or participating in any semi-professional or professional competitive athletic contest for which any type of compensation or remuneration is received; or your involvement in any period of armed conflict, even if it is not declared.
Cancer rider exclusions: We will not pay benefits described in the rider for any of the following: diagnosis of cancer or carcinoma in situ during the waiting period; pre-malignant condition or conditions with malignant potential; basal cell carcinoma and squamous cell carcinoma of the skin; or melanoma that is diagnosed as Clark’s Level I or II or Breslow less than .75mm.
Termination of the policy: This policy will terminate on the earliest of the following: (1) written request by you to terminate this policy; (2) failure to pay the premiums for this policy, subject to the grace period allowed; (3) payment of the available face amount as defined in the policy or in any other attached supplementary benefit; your death.
Pre-existing condition limitation: Benefits for pre-existing condition (defined as a sickness or physical condition for which within 12 months before the coverage effective date symptoms existed that would cause a person to seek treatment or; the insured individual was treated, received medical advice from a physician, or had taken medicine) will not be paid during the first 12 months the policy is inforce.
[Please refer to slide]

17. Exclusions (required if CI 05 and being used for AZ enrollees)
Exclusions: We will not pay benefits for a specified critical illness or additional specified critical illness that is caused by or occurs as a result of: (1) participating or attempting to participate in an illegal activity; (2) committing or trying to commit suicide or injuring oneself intentionally, whether sane or not; (3) practicing for or participating in any semi-professional or professional competitive athletic contest for which you receive any type of compensation or remuneration; (4) war or act of war, whether declared or undeclared; or (5) having a pre-existing condition as defined and limited in this policy/rider.
No benefits are payable for the following: (1) any condition or procedure other than the specified critical illness or additional specified critical illness covered by this policy; (2) specified critical illness or additional specified critical illness if you were diagnosed with or sought treatment for the same specified critical illness or additional specified critical illness within the 10-year period prior to the coverage effective date; (3) transient ischemic attacks; or (4) percutaneous coronary intervention (balloon angioplasty, stent implantation or related procedures to increase the flow of blood through the coronary arteries). Policy with additional specified critical illnesses benefit also excludes: (5) premalignant conditions or conditions with malignant potential; (6) basal cell carcinoma and squamous cell carcinoma of the skin, unless metastatic disease develops; or (7) melanoma that is diagnosed as Clark’s Level I or II, or Breslow less than .75mm.
Termination Provision: This policy will terminate on the earliest of the following: (1) written request by you to terminate this policy; (2) failure to pay the premiums for this policy, subject to the grace period allowed; (3) payment of the available specified critical illness benefit amount and additional specified critical illness benefit amount (if applicable); or (4) your death.
Pre-existing condition limitation: Benefits for pre-existing condition (defined as a sickness or physical condition for which within 12 months before the coverage effective date symptoms existed that would cause a person to seek treatment or; the insured individual was treated, received medical advice from a physician, or had taken medicine) will not be paid during the first 12 months the policy is inforce.
[Please refer to slide]

18. The benefits of buying at work
Valuable financial protection for you and your family
Affordable rates available through your employer
Premiums are automatically deducted from your paycheck
No physical exams are required to apply for coverage; however, your medical history may affect benefits subject to a pre-existing condition provision.
You own the policy and can keep the coverage if you leave the company or retire. Unum will bill you directly for the same premium amount.
Enroller notes:
Delete any bullet that may not be applicable to your case.
Go over slide and bullet points. Be sure to address specific coverage effective date and payroll deduction dates.
If a level of GI coverage is offered, take a moment to re-emphasize that at this point. Employees need to be aware that if they don’t take advantage of GI during this enrollment, their future application will likely require them to answer to health questions; at that point, the application will likely go through a full underwriting review to determine if a level coverage can be approved by Unum.
Speaker notes:
[review points on slide]

19. Eliminate any paragraphs that don’t apply
How can you enroll?
Review your enrollment materials.
Meet with a benefit representative today to apply for this benefit.
 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
 Complete your enrollment form and return it to appropriate contact.
Eliminate any paragraphs that don’t apply
Call enrollment line
Instruct audience how to enroll contacting a BES-T representative
Enroll online
Instruct audience how to enroll using self service enrollment tool
Paper applications
Exception only and/or traditional products with Benefit Credits
Does anyone have any questions?
If you don’t feel comfortable asking them in front of the group, I’m happy to meet with you in person after this meeting is over. 19

20. THIS IS A LIMITED POLICY.
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.
Underwritten by: Provident Life and Accident Insurance Company Chattanooga, Tennessee
unum.com
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 Forms L-21731, L GP and L or contact your Unum representative. Unum complies with all state civil union and domestic partner laws when applicable.
©2015 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
Not available in NY or CT.
EN-1164 (7-15) FOR EMPLOYEES