1. How to use this presentation
What’s covered
This presentation is designed to cover the following:
Unum history, market position
What is whole life 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.
Remove slides that do not apply to the case offering.
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 access enroller speaker notes.
Enroller: Please delete this slide.

2. Whole life insurance An overview of the benefits
Hello. My name is _________. I’m a benefits counselor with Unum. I’m here on behalf of [Company Name] to give you some helpful information about a new benefit available to employees – it’s called Whole life 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 [10] 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.
Since I don’t work on commission, there’s no pressure for you to buy anything. My goal today is to provide you with the information you need so you can make the best decision concerning this benefit.
Are there any questions before I begin?
Presenter’s name | Month , year
EN-1742 (9-18) 2

3. Why Unum? Proven experience
A heritage of more than 160 years in the insurance industry
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
(Refer to slide.)
You may wonder why your company chose Unum as your life insurance carrier.
The reason is simple!
Unum is one of the top insurance carriers in the industry with 160 years of experience in the benefits business. Unum is committed to being there when you need us the most.
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! 3

4. What happens after you’re gone?
Life can change in a heartbeat. If you should die tomorrow, what will happen after you’re gone?
Death certainly isn’t an easy topic – yet we all know that we will pass away at some point. Have you thought about what will happen to those you care about after you’re gone?
You’re special to a lot of people. If something happened to you, you couldn’t be replaced. But life insurance lets you leave something for your loved ones. Whether they need the money to pay for basic living expenses, an education or just your final arrangements, it’s valuable help at a difficult time.
Your employer may provide you with basic term life insurance, which is a good foundation. However, it may not be enough to cover all your needs, and if you leave your job or retire, you may not be able to take that coverage with you.
As a possible solution, you employer is making this whole life insurance plan available to you.
Transition statement:
Unum’s whole life insurance can provide additional coverage during your prime working years. But, more important, it offers coverage you can keep into retirement.
Whole life insurance can help you put a plan in place that protects your family if something happens to you.

5. What is whole life insurance?
Whole life insurance can provide benefits to your loved ones if you die prematurely − and it provides coverage into your retirement years.
Unum’s whole life insurance is designed to provide a death benefit to your beneficiaries if you pass away. However, unlike term life insurance, it can build cash value that you have access to while you’re alive. The policy accumulates cash value based on a non-forfeiture interest rate of 4.5% and the 2001 CSO mortality table. The cash value is guaranteed and will be equal to the values shown in the policy.
The policy also includes a Living Benefit Option feature, which allows the policy owner to request up to 100% of the death benefit if he or she is diagnosed with a medical condition that limits life expectancy to 12 (24) months or less.
Let’s take a look at Michael’s story…
[Go over slide points and the different ways whole life can help even while the individual is alive.]
Transition note:
Now that we know how whole life insurance can make a difference for you and your loved ones, let’s look at some of the specific features that come with the plan – as well as some optional benefits you may want to consider adding to your policy.

6. Features that add value
You can request an advance, up to 100% of your benefit amount ($150,000 maximum), if you are terminally ill and are expected to live 12* months or less
Living Benefit Rider
[This feature waives the policy’s premium during disability if the covered individual becomes disabled prior to age 65 and remains disabled for at least six months
Premiums paid during the six-month waiting period are refunded]
[Waiver of Premium]
(note: Go over slide points. Waiver of premium is an ER chosen benefit, delete if not offered based on specific plan design.)
A living benefit option is included with this coverage. If you become terminally ill, your worries are much more than physical. There’s the emotional challenge of coping with your situation. There’s your concern for your family. And there’s the financial expense that comes with a terminal illness.
If you’re diagnosed with a terminal illness, you can request some or all of your benefit amount – providing you with financial assistance when you need it the most. The benefit maximum is $150,000, and your life expectancy must be less than [12] months [( 24 months in IL, MA and WA)].
(Employer election- delete from slide if not applicable) [Your plan also includes a Waiver of Premium. If you become disabled for at least six months and are under age 65, Unum will waive your premium cost while you are receiving benefits, until you recover and return to work.]
*Limited life expectancy of 24 months in IL,KS, MA and WA.

7. Additional purchase options
[This rider pays an additional death benefit equal to the base policy amount (up to $150,000) if the policyholder dies before age 70 as the result of a covered accident]
[Accidental Death Benefit Rider]
[Can provide an additional layer of coverage equal to 50% of the face amount of your policy for 20 years]
[Enhanced 20-year Employee Term Rider]
(note: Go over slide points. Delete if not offered based on specific plan design or not offered in the specific enrollment state.)
The Accidental Death Benefit rider is available at initial enrollment to employees and their spouses ages 15 to 65. It can pay an additional death benefit equal to the base policy amount, to a maximum of $150,000, if the policyholder dies before age 70 as the result of a covered accident.
An additional 50% term life coverage option may be available for you to purchase. This is an affordable way to increase your coverage by 50% of your base policy amount. This extra coverage option lasts for 20 years.
For example, if you purchase a $20,000 whole life policy, you can get an additional $10,000 (or 50%) of coverage for 20 years.
Transition note:
During this enrollment you also have the opportunity to chose how you pay your premiums….

8. Premium payment options
With this option, you pay an adjusted premium so the policy will be paid in full by age 70
You will continue to receive coverage without having to pay any more premiums
Paid up at age 70
Premium payments will end at age 120, at which time the policy matures
Paid up at age 120
(note: Go over slide points. Delete if not offered based on specific plan design.)
You have two options in which to pay your premium:
A “paid-up at age 70” option may be available to you and your spouse if you are between ages 15 and 50. With this option, you pay an adjusted premium so the policy will be paid in full by age 70. You will continue to receive coverage without having to pay any more premiums. If you choose the “paid-up at age 70” option, you will continue to pay the adjusted premium when increasing coverage.
Pay the premium amount until age At age 120, the premiums will end and the policy endows.
Transition note:
During this enrollment you may also get to apply for coverage for your dependents. Let’s look at the options available for your spouse and children…

9. Family coverage options
Who can have it?
What’s the benefit amount?
How long can they keep it?
Individual spouse policy
Ages 15-80
Minimum policy amount of $2,000. Actual benefit amount based on coverage amount chosen and age at issue.
If you leave your employer, you can keep your spouse’s policy and be billed directly at home.
20-Year Spouse Term Rider
Ages 15-50
The employee must purchase coverage to add this Spouse Term Rider life benefit.
$5,000 to $25,000
Coverage can last for 20 years. This coverage is attached to the employee policy and will be cancelled if employee coverage is cancelled.
(note: Go over dependent options on slide - delete options that don’t apply to your case.)
Option 1: Individual spouse coverage
This policy can be purchased without purchasing employee coverage. This coverage may offer a higher benefit maximum. You will be asked some health-related questions about your spouse. This spouse coverage may continue as long as premiums are paid. This coverage cannot exceed [$10 per week to] a maximum benefit of $75,000.
Option 2: Spouse term life benefit
The employee must purchase coverage to add this spouse term life benefit. This coverage is attached to the employee policy and will be cancelled if employee coverage is cancelled. Coverage is available from $5,000 to $25,000 for spouses age 15 to 50. Coverage lasts for 20 years. This coverage amount cannot exceed the employee base coverage amount. This benefit is not available if you purchase individual coverage for your spouse.
This option is only available the first time you are offered whole life coverage, or if you have a family status change such as getting married.
Spouse may be covered by a individual spouse policy or Spouse Term Rider, but not both.

10. Family coverage options
Who can have it?
What’s the benefit amount?
How long can they keep it?
Individual child policy
No employee or spouse purchase needed. Available to eligible children and grandchildren (14 days to 26th birthday)
Up to $50,000. Benefit amounts are based on issue age and premium selected.
Your children can keep it, even if you leave your employer.
Child Term Rider
Available with purchase of employee or spouse policy. Available to eligible children, step-children, legally adopted children (14 days until their 25th birthday) of the primary insured adult
$1,000 to $10,000* − This benefit covers all eligible children.
Rider ends when your policy ends or when children turn 25. At that time, children are guaranteed the right to buy an individual whole life policy at five times the amount of their rider.
(note: Go over dependent options on slide. Delete any options that don’t apply to your case.)
For NY, please replace with correct eligibility ages
Option 1: Individual child coverage
This individual coverage can be purchased without purchasing employee coverage. Each policy covers one child or grandchild; you can purchase coverage for each of your children and grandchildren.
Option 2: Child term life benefit
The employee must purchase coverage to add this child term life benefit. This coverage is attached to the employee policy and will be cancelled if employee coverage is cancelled. Coverage is available from $1,000 to $10,000. One benefit covers all eligible children. This child coverage continues as long as premiums are paid until their 25th birthday. The coverage can be converted to an individual whole life policy, with no health questions, within 31 days prior to their 25th birthday. This policy can be worth five times the original amount, up to $50,000.
This option is only available the first time you are offered whole life coverage, or if you have a family status change such as the birth of a child.
*Coverage amounts may vary by state.

11. Advantages of the plan
Unum’s whole life insurance plan is voluntary. You can choose whether or not to purchase coverage, and buy only the amount that is right for your needs.
In addition to providing death benefits, the policy can build cash value, which may be utilized during your working years.
The policy includes a Living Benefit Option, available to all employee, spouse and child/grandchild policies.
The policy’s accumulated cash value may also be used to buy a smaller, “paid-up” policy on which no further premiums are due.
[Coverage is available for dependents.]
[Optional available benefits include: Enhanced 20-Year Employee Term Rider, 20-Year Spouse Term Rider, Children’s Term Rider and Accidental Death Benefit Rider.]
[Your employer has elected for you to receive the Waiver of Premium and Long Term Care Benefit Riders.1]
(note: Delete any bullet or statement that may not apply, based on specific plan offering you are enrolling.)
Let’s look at the advantages of the Unum’s whole life insurance plan your employer is offering to you during this enrollment. (note: Go over slide points.)
Transition note:
While you can buy life insurance coverage on your own, there are certain advantages to buying this policy at work during this enrollment.
1 LTC riders may not be available in all states.
Do not use LTC rider in VT.

12. Why buy this coverage through your employer?
You get affordable rates that don’t increase as you age.
There’s no medical exam.
Your premium is paid through convenient payroll deduction.
Your employer has chosen Unum – one of the leading providers of employee benefits in the U.S.
You own the policy; therefore, you can take the coverage with you if you leave the company or retire.
Your coverage begins the first day of the month in which payroll deduction begins.
You can take advantage of affordable rates when you buy this policy through your employer.
No medical exam is required during your initial enrollment (though you may have to answer a few questions if you apply at a later re-enrollment).
You don’t have to worry about writing a check for your premium – you can pay for this through convenient payroll deduction.
And this policy won’t end, even if you leave your job for any reason. Once your coverage is approved, the policy is yours, so you can take it with you, and Unum will bill you directly for the premium.

13. How can you enroll? Review your enrollment materials.
Meet with a benefit counselor 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: (enter URL here)]
 [Complete your enrollment form and return it to appropriate contact.]
Call the 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? Remember, if you don’t feel comfortable asking them in front of the group, I’ll be happy to talk to you in person after this meeting is over. 13 13

14. 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, please refer to Policy Forms L or see your Unum representative for specific provisions and details of availability. You will receive the plan and coverage amount you apply for unless it is determined to be unacceptable by Unum’s rules, limits or standards. If so, it may be modified or declined. Unum complies with all state civil union and domestic partner laws when applicable. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee In New York, underwritten by: First Unum Life Insurance Company, New York, New York unum.com © 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1742 (9-18) FOR EMPLOYEES