2017_Whole_Life_Unum_Summary.pdf

ATHENS-CLARKE COUNTY GOVERNMENT

Your voluntary benefits proposal

Presented by: Atlanta Office, Direct Business

Address: Corporate Center VI Six Concourse Pky., Ste 2700 Atlanta, GA 30328

Telephone: (770) 392-3200

Fax: (770) 392-3201

Sales Team: Sadler Norris, Senior Account Executive Emily C. Stieler, Sr. Sales Coordinator

� Future-ready benefit solutions from Unum

Today’s top trends — from the stalled economy to health care reform

— are having a strong impact on business. Offering Unum voluntary benefits can help you address these important challenges, while doing what’s best for your employees and your bottom line. It’s a winning strategy for today and the future.

Why include Unum voluntary benefits in your plan?

Partnering with Unum can help you balance the need to manage costs and provide financial protection for your employees. Our voluntary benefits include easy implementation, effective education and responsive customer service.

At the foundation of the Unum offering is a full range of competitive benefits solutions that appeal to a diverse workforce:

• Accident insurance

• Critical illness insurance

• Disability insurance

• Life insurance

At a time when most employees have little or no savings to fall back on if they face an illness or injury — and a record low number of

Americans have no life insurance at all — these coverages make perfect sense.

Voluntary benefits are budget neutral for the company and affordable for today’s employees — a refreshing twist for employers who are looking to add more coverage.

A reform-friendly solution

Many employers are concerned about the 40% “Cadillac” excise tax that will help fund health care reform.

Unum’s voluntary benefits are HIPAA-excepted* plans, so they are not subject to the Cadillac tax.

While they give employees more financial protection, they do not increase the actuarial value of your health plan under the current law.

*Critical illness insurance is exempt only when paid with post-tax dollars.

1 Unum internal data, 2001−2010

2 Eastbridge, “The Latest Voluntary Benefits Trends: The economy doesn’t seem to have shrunk employers’ interest,” as published in National Underwriter, by Gil Lowerre and Bonnie Brazzell, March 15, 2010.

66% of employers now offer at least one voluntary benefit.2

More employers offering voluntary benefits1

• In 2010, Unum’s voluntary sales were up 16%.

• Since 2001, our voluntary benefits sales have tripled.

About Unum

� Why Unum?

A market leader in voluntary benefits, powered by excellent customer service

Why choose Unum for your voluntary coverage? Our customers recommend us highly.1 In fact, they give us the highest possible ranking for being “easy to do business with.”

Unum is a Fortune 500 company, and we are ranked as one of

America‘s Most Reputable Companies.2

Our company is built on a heritage of more than a century in the benefits business — evolving with business and employee needs — and we are a leading provider of voluntary coverage in the U.S.

Support for your company and your employees

At Unum, our goal is to make sure you and your employees have the best benefits experience possible. So we offer expert service and support at every stage of the process — from pre-enrollment through claims.

We provide:

• Effective education and enrollment capabilities, so employees appreciate the value of their benefits and make informed benefits decisions to best meet their financial protection needs.

• Comprehensive administration services — Our people and technology help make it easier for you to manage your employee benefits.

• A responsive claims process — Our team responds to claims submissions within four days, delivering fair, objective and thorough assistance during challenging times.

Put our expertise to work for you business

We are in the business of developing benefits solutions to help you build a stronger workforce, and ultimately, a stronger business.

1,3 Harris Interactive for Unum, “2011 Employer Loyalty Study,” 2012.

2 Fortune magazine, May 2012 and Forbes magazine, May 2012.

unum.com

© 2012 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

MK-3120 (11-12)

Proven customer satisfaction

Our customers give us high marks:3

98% say they are likely to recommend

Unum to others

98% say they are likely to continue using Unum benefits

94% gave Unum positive ratings for overall value

About Unum

Whole Life Insurance Unum’s Whole Life insurance offers protection beyond an individual’s working years, potentially for your lifetime. With a guaranteed death benefit that will never decrease, level premiums that will never increase, cash value accumulation, living benefits and other options, Whole Life goes beyond typical term life insurance.

Proposed coverage effective date: July 1, 2014

Number of eligible employees: 1700

Eligibility class descriptions: Class 1: All Employees

Plan Description Class 1

Family Coverage Options Employee, Spouse and Child

Purchase Option Type Money Purchase

Purchase Option Type Child Money Purchase

Paid Up Option Payable to Age 120, with option for Paid Up at Age 70

Paid Up at Age 70 Issue Ages 15-50

*Child always Paid Up at Age 70

Benefit Amounts Employee - $2,000 - $300,000 Spouse - $2,000 - $75,000 Child - $5,000 - $50,000

*All Policies issued are subject to minimum premium limits

Issue Ages 15-80 - Employee and Spouse 14 days to 26 years - Juvenile

Rates Employee and Spouse - Age last birthday, unisex, tobacco distinct Juvenile - Unisex

Coverage Effective Date The first day of the month in which payroll deductions begin

Minimum Number of Applications Required for Policy to Issue

2% of approved adult applications based on total eligible employees

Participation Basis Guaranteed Issue: New hires/newly eligible employees may apply for coverage on a GI basis. Increases in coverage are allowed at a scheduled enrollment event, up to the GI maximums without answering health questions.

Health questions are required for previously eligible employees and late entrants.

Evidence of Insurability (Health Questions)

See grid below for details

Guaranteed Renewable To age 120 - as long as the required premiums are paid

Employer Elected Options

- Long Term Care (LTC) Rider Included

*Exclusions and limitations apply for some states and product combinations.

Benefits Summary: Whole Life

Employee Elected Options

- Child Term Rider $1,000 - $10,000 in increments of $1,000

*Issue Ages 14 days to 24 years

- Accidental Death Benefit (ADB) Coverage is equal to the face amount up to a maximum of $150,000.

- Long Term Care (LTC) Rider Included

*Exclusions and limitations apply for some states and product combinations.

Enrollment Frequency All Scheduled

Primary Enrollment Method Face to Face

New Employee Waiting Period 30 days*

*For new employees who complete their waiting period on or after the plan effective date, coverage will begin on the first of the month following the date they are approved by Unum which is the first of the month payroll deductions begin.

Present Employee Waiting Period 0 days*

*This is the period of time that current employees must be actively employed before they are eligible for coverage .

Minimum Hours for Eligibility 20 hours per week

States where enrollment will take place: GA (Actual enrollment states will depend on product availability.)

Class 1

Evidence of Insurability (Health Questions)

Tier I Amounts Tier II Amounts

Employee (Money Purchase) Health questions are not required for newly eligible employees up to $18.00 weekly premium. Currently enrolled employees may purchase an increase in coverage up to $18.00 weekly premium without health questions. Previously eligible employees not currently enrolled may qualify for coverage based on the responses to health questions.

Employee (Money Purchase) Tier I and Tier II health questions are required for amounts over $18.00 weekly premium, up to $22 weekly premium.

Spouse (Money Purchase) One qualifying question is always required. Spouse may receive up to $4.00 weekly premium Conditional Guaranteed Issue.

Spouse (Money Purchase) Tier II health questions are required for amounts over $4.00 weekly premium, up to $10 weekly premium.

Child (Money Purchase) Health questions are not required for amounts up to $3 weekly premium.

Child (Money Purchase) Not Applicable

Rates and Cost Information

See Rate Sheets section below

LTC coverage is not included on policies with a face amount less than $10,000. LTC coverage is not available in HI, NH, NY, UT and WA. Only base LTC coverage is offered in CA, CT, FL, NC, PA and TX. LTC is available to employees and spouses for issue ages up to 70.

Child Term Rider not available in WA.

Benefits Summary: Whole Life

Rates and Cost Information

Whole Life

Some rates and costs listed below may be applicable only to certain quotes and/or classes. Please see the "Plan Description" section of your Benefits Summary for specific plan details.

Premium illustrates base product premium only; optional rider premium is in addition to base premium.

The guaranteed interest rate is 4.5%. Surrender value will be reduced by any outstanding loans.

Employee and Spouse Money Purchase Paid Up Age 120 Cash Value at 65

Face amounts based on a money purchase of $3.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $23,214 $9,687 $14,169 $6,742 20 $20,996 $8,542 $12,065 $5,588 25 $17,910 $7,049 $10,277 $4,598 30 $14,593 $5,494 $8,824 $3,771 35 $11,650 $4,124 $7,072 $2,835 40 $9,075 $2,945 $5,436 $1,989 45 $6,949 $1,985 $4,101 $1,311 50 $5,154 $1,206 $3,111 $805 55 $3,640 $599 $2,182 $388 60 $2,609 $512 N/A N/A

Face amounts based on a money purchase of $5.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $38,690 $16,144 $23,615 $11,236 20 $34,993 $14,236 $20,108 $9,312 25 $29,851 $11,749 $17,128 $7,664 30 $24,322 $9,157 $14,706 $6,285 35 $19,417 $6,874 $11,786 $4,725 40 $15,125 $4,909 $9,059 $3,315 45 $11,581 $3,308 $6,835 $2,185 50 $8,589 $2,010 $5,185 $1,341 55 $6,066 $998 $3,636 $646 60 $4,348 $853 $2,672 $541

Face amounts based on a money purchase of $8.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $61,905 $25,831 $37,784 $17,978 20 $55,989 $22,777 $32,173 $14,900 25 $47,761 $18,798 $27,404 $12,261 30 $38,915 $14,651 $23,529 $10,056 35 $31,068 $10,999 $18,858 $7,560 40 $24,200 $7,854 $14,495 $5,304 45 $18,530 $5,292 $10,936 $3,496 50 $13,743 $3,216 $8,297 $2,146 55 $9,706 $1,597 $5,818 $1,033 60 $6,957 $1,365 $4,275 $865

Face amounts based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $77,381 $32,289 $47,230 $22,473 20 $69,987 $28,472 $40,217 $18,625

Rates and Cost Information: Whole Life

Face amounts based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 25 $59,701 $23,497 $34,256 $15,327 30 $48,644 $18,314 $29,412 $12,570 35 $38,835 $13,748 $23,572 $9,450 40 $30,250 $9,817 $18,118 $6,630 45 $23,163 $6,616 $13,670 $4,370 50 $17,179 $4,020 $10,371 $2,683 55 $12,133 $1,996 $7,273 $1,292 60 $8,696 $1,707 $5,344 $1,082

Face amounts based on a money purchase of $12.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $92,857 $38,746 $56,676 $26,968 20 $83,984 $34,166 $48,260 $22,350 25 $71,642 $28,197 $41,107 $18,393 30 $58,372 $21,976 $35,294 $15,084 35 $46,602 $16,498 $28,286 $11,340 40 $36,300 $11,781 $21,742 $7,956 45 $27,795 $7,939 $16,404 $5,245 50 $20,614 $4,823 $12,445 $3,219 55 $14,559 $2,396 $8,727 $1,550 60 $10,435 $2,048 $6,413 $1,298

Face amounts based on a money purchase of $15.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $116,071 $48,433 $70,845 $33,709 20 $104,980 $42,708 $60,325 $27,938 25 $89,552 $35,246 $51,383 $22,990 30 $72,965 $27,471 $44,118 $18,856 35 $58,252 $20,622 $35,358 $14,175 40 $45,375 $14,726 $27,178 $9,946 45 $34,744 $9,923 $20,505 $6,556 50 $25,768 $6,029 $15,556 $4,024 55 $18,199 $2,994 $10,909 $1,938 60 $13,043 $2,560 $8,016 $1,623

Face amounts based on a money purchase of $18.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $139,286 $58,120 $85,014 $40,451 20 $125,976 $51,250 $72,390 $33,525 25 $107,463 $42,295 $61,660 $27,589 30 $87,558 $32,965 $52,941 $22,626 35 $69,903 $24,747 $42,430 $17,011 40 $54,450 $17,671 $32,613 $11,935 45 $41,693 $11,908 $24,606 $7,867 50 $30,922 $7,235 $18,668 $4,829 55 $21,839 $3,593 $13,091 $2,325 60 $15,652 $3,072 $9,620 $1,947

Face amounts based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $170,238 $71,035 $103,906 $49,441 20 $153,970 $62,638 $88,476 $40,975 25 $131,343 $51,694 $75,362 $33,719 30 $107,016 $40,290 $64,706 $27,655

Face amounts based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 35 $85,437 $30,246 $51,859 $20,791 40 $66,550 $21,598 $39,861 $14,587 45 $50,958 $14,554 $30,074 $9,615 50 $37,793 $8,843 $22,816 $5,902 55 $26,692 $4,392 $16,000 $2,842 60 $19,130 $3,755 $11,757 $2,380

Employee and Spouse Money Purchase Paid Up Age 70

Cash Value at 65 Face amounts based on a money purchase of $3.00 weekly

Non-Tobacco Tobacco Issue Age Face Amount Cash Value Face Amount Cash Value

15 $20,000 $8,988 $12,652 $6,448 20 $18,118 $8,067 $10,773 $5,431 25 $15,264 $6,714 $9,107 $4,528 30 $12,322 $5,331 $7,753 $3,784 35 $9,665 $4,085 $6,134 $2,918 40 $7,317 $2,991 $4,610 $2,113 45 $5,387 $2,094 $3,378 $1,464 50 $3,789 $1,356 $2,466 $977 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $5.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $33,333 $14,980 $21,087 $10,747 20 $30,197 $13,445 $17,956 $9,053 25 $25,440 $11,190 $15,178 $7,547 30 $20,537 $8,885 $12,922 $6,308 35 $16,109 $6,809 $10,224 $4,863 40 $12,195 $4,985 $7,683 $3,521 45 $8,978 $3,489 $5,630 $2,440 50 $6,315 $2,260 $4,109 $1,628 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $8.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $53,333 $23,968 $33,739 $17,195 20 $48,316 $21,513 $28,729 $14,484 25 $40,705 $17,904 $24,285 $12,075 30 $32,859 $14,215 $20,676 $10,093 35 $25,774 $10,894 $16,359 $7,781 40 $19,512 $7,976 $12,293 $5,634 45 $14,365 $5,583 $9,008 $3,904 50 $10,104 $3,616 $6,575 $2,605 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $66,667 $29,961 $42,174 $21,494 20 $60,395 $26,891 $35,912 $18,106

Face amounts based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 25 $50,881 $22,379 $30,356 $15,094 30 $41,074 $17,769 $25,845 $12,616 35 $32,218 $13,618 $20,448 $9,726 40 $24,390 $9,970 $15,366 $7,042 45 $17,956 $6,978 $11,260 $4,880 50 $12,631 $4,520 $8,219 $3,256 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $12.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $80,000 $35,953 $50,608 $25,793 20 $72,474 $32,269 $43,094 $21,727 25 $61,057 $26,855 $36,427 $18,113 30 $49,289 $21,323 $31,014 $15,139 35 $38,662 $16,341 $24,538 $11,672 40 $29,268 $11,964 $18,440 $8,451 45 $21,547 $8,374 $13,512 $5,857 50 $15,157 $5,424 $9,862 $3,907 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $15.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $100,000 $44,941 $63,260 $32,241 20 $90,592 $40,336 $53,867 $27,158 25 $76,321 $33,569 $45,534 $22,641 30 $61,611 $26,654 $38,767 $18,923 35 $48,327 $20,426 $30,672 $14,589 40 $36,585 $14,955 $23,050 $10,564 45 $26,934 $10,467 $16,890 $7,321 50 $18,946 $6,780 $12,328 $4,884 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $18.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $120,000 $53,929 $75,912 $38,689 20 $108,711 $48,404 $64,641 $32,590 25 $91,585 $40,283 $54,641 $27,169 30 $73,934 $31,985 $46,521 $22,708 35 $57,993 $24,512 $36,807 $17,508 40 $43,902 $17,946 $27,660 $12,677 45 $32,320 $12,561 $20,269 $8,785 50 $22,735 $8,135 $14,794 $5,861 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Face amounts based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 15 $146,667 $65,914 $92,782 $47,287 20 $132,869 $59,160 $79,006 $39,832 25 $111,937 $49,234 $66,783 $33,207 30 $90,363 $39,092 $56,859 $27,755

Face amounts based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Face Amount Cash Value Face Amount Cash Value 35 $70,880 $29,959 $44,986 $21,398 40 $53,659 $21,934 $33,806 $15,493 45 $39,503 $15,352 $24,773 $10,737 50 $27,787 $9,943 $18,081 $7,163 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Child Money Purchase Child Weekly Premium Maximum is $2 in Washington

Paid Up Age 70 Cash Value at 65

Child face amounts based on a money purchase of $1.00 weekly Uni-Tobacco

Issue Age Face Amount Cash Value 0 $7,461 $3,460 1 $7,450 $3,452 2 $7,429 $3,440 3 $7,345 $3,398 4 $7,232 $3,342 5 $7,084 $3,270 10 $6,198 $2,843 15 $5,274 $2,400 26 $3,895 $1,729

Child face amounts based on a money purchase of $2.00 weekly Uni-Tobacco

Issue Age Face Amount Cash Value 0 $14,921 $6,919 1 $14,900 $6,904 2 $14,857 $6,879 3 $14,689 $6,795 4 $14,465 $6,684 5 $14,169 $6,541 10 $12,396 $5,687 15 $10,548 $4,801 26 $7,790 $3,458

Child face amounts based on a money purchase of $3.00 weekly Uni-Tobacco

Issue Age Face Amount Cash Value 0 $22,382 $10,379 1 $22,350 $10,357 2 $22,286 $10,318 3 $22,034 $10,192 4 $21,697 $10,026 5 $21,253 $9,811 10 $18,594 $8,530 15 $15,822 $7,201 26 $11,685 $5,187

Child Term Rider Not available in Washington

$6.00 Annually per $1,000 up to a maximum of $10,000

Long Term Care Rider Paid Up Age 120

CA, RI and WI have different base LTC rates *LTC Supplemental benefits are not available in CA, CT, FL, NC, PA and TX

Premiums based on a money purchase of $3.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.05 $0.16 $0.24 $0.37 $0.03 $0.14 $0.22 $0.34 20 $0.05 $0.14 $0.22 $0.34 $0.03 $0.12 $0.19 $0.29 25 $0.04 $0.12 $0.20 $0.30 $0.02 $0.10 $0.17 $0.25 30 $0.03 $0.11 $0.19 $0.28 N/A N/A N/A N/A 35 $0.05 $0.10 $0.16 $0.24 N/A N/A N/A N/A 40 N/A N/A N/A N/A N/A N/A N/A N/A 45 N/A N/A N/A N/A N/A N/A N/A N/A 50 N/A N/A N/A N/A N/A N/A N/A N/A 55 N/A N/A N/A N/A N/A N/A N/A N/A 60 N/A N/A N/A N/A N/A N/A N/A N/A

Premiums based on a money purchase of $5.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.09 $0.26 $0.40 $0.62 $0.06 $0.24 $0.36 $0.56 20 $0.08 $0.24 $0.37 $0.57 $0.05 $0.20 $0.31 $0.48 25 $0.07 $0.20 $0.33 $0.50 $0.04 $0.17 $0.28 $0.42 30 $0.06 $0.18 $0.32 $0.47 $0.03 $0.16 $0.27 $0.41 35 $0.09 $0.16 $0.26 $0.40 $0.05 $0.15 $0.23 $0.35 40 $0.07 $0.15 $0.27 $0.40 N/A N/A N/A N/A 45 $0.08 $0.15 $0.25 $0.38 N/A N/A N/A N/A 50 N/A N/A N/A N/A N/A N/A N/A N/A 55 N/A N/A N/A N/A N/A N/A N/A N/A 60 N/A N/A N/A N/A N/A N/A N/A N/A

Premiums based on a money purchase of $8.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.14 $0.42 $0.64 $0.99 $0.09 $0.38 $0.58 $0.90 20 $0.13 $0.38 $0.59 $0.91 $0.07 $0.32 $0.50 $0.77 25 $0.11 $0.32 $0.53 $0.80 $0.06 $0.27 $0.44 $0.68 30 $0.09 $0.29 $0.51 $0.76 $0.05 $0.26 $0.44 $0.66 35 $0.14 $0.26 $0.42 $0.64 $0.09 $0.24 $0.37 $0.57 40 $0.11 $0.25 $0.42 $0.63 $0.07 $0.22 $0.35 $0.53 45 $0.13 $0.24 $0.41 $0.60 $0.08 $0.20 $0.33 $0.49 50 $0.13 $0.26 $0.44 $0.64 N/A N/A N/A N/A 55 N/A N/A N/A N/A N/A N/A N/A N/A 60 N/A N/A N/A N/A N/A N/A N/A N/A

Premiums based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.18 $0.52 $0.80 $1.24 $0.11 $0.47 $0.73 $1.13 20 $0.16 $0.47 $0.74 $1.13 $0.09 $0.40 $0.63 $0.97 25 $0.14 $0.40 $0.67 $1.00 $0.08 $0.34 $0.55 $0.84 30 $0.11 $0.37 $0.64 $0.95 $0.07 $0.33 $0.55 $0.82 35 $0.18 $0.33 $0.52 $0.80 $0.11 $0.30 $0.46 $0.71 40 $0.14 $0.31 $0.53 $0.79 $0.08 $0.27 $0.44 $0.66 45 $0.16 $0.30 $0.51 $0.75 $0.10 $0.25 $0.41 $0.61

Premiums based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

50 $0.16 $0.33 $0.55 $0.80 $0.10 $0.27 $0.44 $0.65 55 $0.17 $0.37 $0.60 $0.88 N/A N/A N/A N/A 60 N/A N/A N/A N/A N/A N/A N/A N/A

Premiums based on a money purchase of $12.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.21 $0.63 $0.96 $1.48 $0.13 $0.57 $0.87 $1.35 20 $0.19 $0.57 $0.89 $1.36 $0.11 $0.48 $0.75 $1.16 25 $0.17 $0.48 $0.80 $1.20 $0.10 $0.41 $0.66 $1.01 30 $0.14 $0.44 $0.76 $1.13 $0.08 $0.39 $0.66 $0.98 35 $0.22 $0.39 $0.63 $0.96 $0.13 $0.35 $0.56 $0.85 40 $0.17 $0.37 $0.64 $0.95 $0.10 $0.32 $0.53 $0.80 45 $0.19 $0.36 $0.61 $0.90 $0.11 $0.30 $0.49 $0.74 50 $0.19 $0.39 $0.66 $0.96 $0.12 $0.32 $0.52 $0.78 55 $0.20 $0.44 $0.72 $1.05 N/A N/A N/A N/A 60 $0.27 $0.61 $0.91 $1.35 N/A N/A N/A N/A

Premiums based on a money purchase of $15.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.27 $0.78 $1.21 $1.85 $0.16 $0.71 $1.09 $1.69 20 $0.24 $0.71 $1.11 $1.70 $0.14 $0.60 $0.94 $1.45 25 $0.21 $0.60 $1.00 $1.50 $0.12 $0.51 $0.83 $1.27 30 $0.17 $0.55 $0.95 $1.42 $0.10 $0.49 $0.82 $1.23 35 $0.27 $0.49 $0.78 $1.20 $0.16 $0.44 $0.69 $1.06 40 $0.21 $0.46 $0.79 $1.19 $0.13 $0.40 $0.66 $0.99 45 $0.24 $0.45 $0.76 $1.13 $0.14 $0.38 $0.62 $0.92 50 $0.24 $0.49 $0.82 $1.20 $0.14 $0.40 $0.66 $0.98 55 $0.25 $0.55 $0.90 $1.32 $0.18 $0.44 $0.67 $1.01 60 $0.33 $0.76 $1.14 $1.69 N/A N/A N/A N/A

Premiums based on a money purchase of $18.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.32 $0.94 $1.45 $2.22 $0.20 $0.85 $1.31 $2.03 20 $0.29 $0.85 $1.33 $2.04 $0.17 $0.72 $1.13 $1.74 25 $0.25 $0.72 $1.20 $1.80 $0.14 $0.62 $1.00 $1.52 30 $0.20 $0.66 $1.15 $1.70 $0.12 $0.59 $0.99 $1.48 35 $0.32 $0.59 $0.94 $1.44 $0.20 $0.53 $0.83 $1.27 40 $0.25 $0.56 $0.95 $1.42 $0.15 $0.48 $0.80 $1.19 45 $0.29 $0.55 $0.91 $1.36 $0.17 $0.45 $0.74 $1.10 50 $0.29 $0.59 $0.99 $1.44 $0.17 $0.48 $0.79 $1.17 55 $0.30 $0.66 $1.08 $1.58 $0.21 $0.52 $0.81 $1.21 60 $0.40 $0.91 $1.37 $2.03 N/A N/A N/A N/A

Premiums based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

15 $0.39 $1.15 $1.77 $2.72 $0.24 $1.04 $1.60 $2.48 20 $0.36 $1.04 $1.63 $2.49 $0.20 $0.89 $1.38 $2.13 25 $0.30 $0.88 $1.47 $2.20 $0.17 $0.75 $1.22 $1.86 30 $0.25 $0.80 $1.40 $2.08 $0.15 $0.72 $1.21 $1.80

Premiums based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age

Base *Cont *Rest'n *Combo Base *Cont *Rest'n *Combo

35 $0.39 $0.72 $1.15 $1.76 $0.24 $0.65 $1.02 $1.56 40 $0.31 $0.68 $1.17 $1.74 $0.18 $0.59 $0.97 $1.46 45 $0.35 $0.67 $1.12 $1.66 $0.21 $0.56 $0.90 $1.35 50 $0.35 $0.72 $1.21 $1.76 $0.21 $0.59 $0.96 $1.43 55 $0.37 $0.81 $1.31 $1.93 $0.26 $0.64 $0.99 $1.48 60 $0.49 $1.11 $1.67 $2.48 $0.33 $0.88 $1.31 $1.95

Long Term Care Rider Paid Up Age 70

CA, RI and WI have different base LTC rates *LTC Supplemental benefits are not available in CA, CT, FL, NC, PA and TX

Premiums based on a money purchase of $3.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.05 $0.14 $0.03 $0.13 20 $0.04 $0.12 $0.03 $0.11 25 $0.04 $0.10 N/A N/A 30 $0.03 $0.09 N/A N/A 35 N/A N/A N/A N/A 40 N/A N/A N/A N/A 45 N/A N/A N/A N/A 50 N/A N/A N/A N/A 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $5.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.08 $0.22 $0.05 $0.21 20 $0.07 $0.20 $0.04 $0.18 25 $0.06 $0.17 $0.04 $0.15 30 $0.05 $0.15 $0.03 $0.14 35 $0.07 $0.14 $0.05 $0.13 40 $0.06 $0.12 N/A N/A 45 N/A N/A N/A N/A 50 N/A N/A N/A N/A 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $8.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.12 $0.36 $0.08 $0.34 20 $0.11 $0.33 $0.07 $0.29 25 $0.09 $0.27 $0.06 $0.24 30 $0.08 $0.25 $0.05 $0.23 35 $0.12 $0.22 $0.08 $0.21 40 $0.09 $0.20 $0.06 $0.18 45 $0.10 $0.19 N/A N/A 50 $0.09 $0.19 N/A N/A 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $10.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.15 $0.45 $0.10 $0.42 20 $0.14 $0.41 $0.08 $0.36 25 $0.12 $0.34 $0.07 $0.30 30 $0.10 $0.31 $0.06 $0.29 35 $0.15 $0.27 $0.09 $0.26 40 $0.11 $0.25 $0.07 $0.23 45 $0.12 $0.24 $0.08 $0.21 50 $0.12 $0.24 N/A N/A 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $12.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.19 $0.54 $0.12 $0.51 20 $0.17 $0.49 $0.10 $0.43 25 $0.14 $0.41 $0.08 $0.36 30 $0.11 $0.37 $0.07 $0.35 35 $0.18 $0.33 $0.11 $0.31 40 $0.14 $0.30 $0.09 $0.27 45 $0.15 $0.28 $0.09 $0.25 50 $0.14 $0.29 N/A N/A 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $15.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.23 $0.67 $0.15 $0.63 20 $0.21 $0.61 $0.12 $0.54 25 $0.18 $0.51 $0.11 $0.46 30 $0.14 $0.46 $0.09 $0.43 35 $0.22 $0.41 $0.14 $0.38 40 $0.17 $0.37 $0.11 $0.34 45 $0.19 $0.35 $0.12 $0.31 50 $0.18 $0.36 $0.11 $0.32 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $18.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.28 $0.81 $0.18 $0.76 20 $0.25 $0.73 $0.15 $0.65 25 $0.21 $0.62 $0.13 $0.55 30 $0.17 $0.56 $0.11 $0.52 35 $0.27 $0.49 $0.17 $0.46 40 $0.20 $0.45 $0.13 $0.41 45 $0.22 $0.42 $0.14 $0.37 50 $0.21 $0.43 $0.14 $0.38 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Premiums based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 15 $0.34 $0.99 $0.21 $0.93 20 $0.31 $0.89 $0.18 $0.79

Premiums based on a money purchase of $22.00 weekly Non-Tobacco Tobacco

Issue Age Base *Cont Base *Cont 25 $0.26 $0.75 $0.15 $0.67 30 $0.21 $0.68 $0.13 $0.63 35 $0.33 $0.60 $0.21 $0.56 40 $0.25 $0.55 $0.16 $0.50 45 $0.27 $0.52 $0.17 $0.46 50 $0.26 $0.53 $0.17 $0.47 55 N/A N/A N/A N/A 60 N/A N/A N/A N/A

Base Long Term Care Rider is available on base policies with face amounts of at least $10,000 ($18,000 in Oregon). Employee may choose only one of the following LTC riders; continuation, restoration or combination of continuation and restoration. LTC restoration and LTC combination of continuation and restoration are not available for Paid up at 70 plan design.

Accidental Death Benefit (ADB) Rider Paid Up Age 120

Premiums based on a money purchase of $3.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $0.43 $0.26 20 $0.39 $0.22 25 $0.33 $0.19 30 $0.27 $0.16 35 $0.22 $0.13 40 $0.17 $0.10 45 $0.13 $0.08 50 $0.10 $0.06 55 $0.07 $0.04 60 $0.05 N/A

Premiums based on a money purchase of $5.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $0.71 $0.44 20 $0.65 $0.37 25 $0.55 $0.32 30 $0.45 $0.27 35 $0.36 $0.22 40 $0.28 $0.17 45 $0.21 $0.13 50 $0.16 $0.10 55 $0.11 $0.07 60 $0.08 $0.05

Premiums based on a money purchase of $8.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.14 $0.70 20 $1.03 $0.59 25 $0.88 $0.51 30 $0.72 $0.43 35 $0.57 $0.35 40 $0.45 $0.27 45 $0.34 $0.20

Premiums based on a money purchase of $8.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

50 $0.25 $0.15 55 $0.18 $0.11 60 $0.13 $0.08

Premiums based on a money purchase of $10.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.43 $0.87 20 $1.29 $0.74 25 $1.10 $0.63 30 $0.90 $0.54 35 $0.72 $0.44 40 $0.56 $0.34 45 $0.43 $0.25 50 $0.32 $0.19 55 $0.22 $0.13 60 $0.16 $0.10

Premiums based on a money purchase of $12.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.71 $1.05 20 $1.55 $0.89 25 $1.32 $0.76 30 $1.08 $0.65 35 $0.86 $0.52 40 $0.67 $0.40 45 $0.51 $0.30 50 $0.38 $0.23 55 $0.27 $0.16 60 $0.19 $0.12

Premiums based on a money purchase of $15.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $2.14 $1.31 20 $1.94 $1.11 25 $1.65 $0.95 30 $1.35 $0.82 35 $1.08 $0.65 40 $0.84 $0.50 45 $0.64 $0.38 50 $0.48 $0.29 55 $0.34 $0.20 60 $0.24 $0.15

Premiums based on a money purchase of $18.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $2.57 $1.57 20 $2.33 $1.34 25 $1.98 $1.14 30 $1.62 $0.98

Premiums based on a money purchase of $18.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

35 $1.29 $0.78 40 $1.01 $0.60 45 $0.77 $0.45 50 $0.57 $0.35 55 $0.40 $0.24 60 $0.29 $0.18

Premiums based on a money purchase of $22.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $2.77 $1.92 20 $2.77 $1.63 25 $2.43 $1.39 30 $1.98 $1.20 35 $1.58 $0.96 40 $1.23 $0.74 45 $0.94 $0.56 50 $0.70 $0.42 55 $0.49 $0.30 60 $0.35 $0.22

Accidental Death Benefit (ADB) Rider Paid Up Age 70

Premiums based on a money purchase of $3.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $0.37 $0.23 20 $0.34 $0.20 25 $0.28 $0.17 30 $0.23 $0.14 35 $0.18 $0.11 40 $0.14 $0.09 45 $0.10 $0.06 50 $0.07 $0.05 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $5.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $0.62 $0.39 20 $0.56 $0.33 25 $0.47 $0.28 30 $0.38 $0.24 35 $0.30 $0.19 40 $0.23 $0.14 45 $0.17 $0.10 50 $0.12 $0.08 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $8.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $0.99 $0.62 20 $0.89 $0.53 25 $0.75 $0.45 30 $0.61 $0.38 35 $0.48 $0.30 40 $0.36 $0.23 45 $0.27 $0.17 50 $0.19 $0.12 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $10.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.23 $0.78 20 $1.12 $0.66 25 $0.94 $0.56 30 $0.76 $0.48 35 $0.60 $0.38 40 $0.45 $0.28 45 $0.33 $0.21 50 $0.23 $0.15 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $12.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.48 $0.93 20 $1.34 $0.80 25 $1.13 $0.67 30 $0.91 $0.57 35 $0.71 $0.45 40 $0.54 $0.34 45 $0.40 $0.25 50 $0.28 $0.18 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $15.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $1.85 $1.17 20 $1.67 $1.00 25 $1.41 $0.84 30 $1.14 $0.72 35 $0.89 $0.57 40 $0.68 $0.43 45 $0.50 $0.31 50 $0.35 $0.23 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $18.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $2.22 $1.40 20 $2.01 $1.19 25 $1.69 $1.01 30 $1.37 $0.86 35 $1.07 $0.68 40 $0.81 $0.51 45 $0.60 $0.37 50 $0.42 $0.27 55 N/A N/A 60 N/A N/A

Premiums based on a money purchase of $22.00 weekly Equal to the Face Amount up to a maximum of $150,000

Non-Tobacco Tobacco Issue Age ADB ADB

15 $2.71 $1.71 20 $2.45 $1.46 25 $2.07 $1.23 30 $1.67 $1.05 35 $1.31 $0.83 40 $0.99 $0.62 45 $0.73 $0.46 50 $0.51 $0.33 55 N/A N/A 60 N/A N/A

Underwritten by the following subsidiary of Unum Group:

Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN 37402

In New York, coverage is underwritten by:

First Unum Life Insurance Company 666 3rd Avenue, Suite 301, New York, NY 10017

Product Highlights & Descriptions Whole Life

Whole Life Insurance

Some features listed below may be applicable only to certain quotes and/or classes. Please see the "Plan Description" section of your Benefits Summary for specific plan details.

Paid Up Option

If the Paid Up Option is Age 120/70; employees will have a choice based on issue age of paying premiums to age 70 or age 120.

• Premiums are payable to age 70; policy will be paid up with no additional premiums due for the life of the policy.

• Policy will mature at age 120.

• This option is available for issue ages 15-50.

• Rates are different based on Paid Up Option selected.

Enrollment Frequency

Scheduled

Eligible Employees may apply for coverage at a scheduled enrollment period. If the plan includes employee choices, employees may increase only during a scheduled enrollment period and within plan design limits.

Employees applying for or increasing coverage may be required to submit Evidence of Insurability (EOI).

Family Coverage Options

Spouse Coverage

• The employee does not have to apply for coverage to purchase standalone spouse coverage.

• The spouse cannot be covered under both the spouse standalone policy and spouse term rider.

• The premiums are based on the issue age of the spouse.

• This is an individually owned policy, so coverage can be continued if the employee retires or leaves the company.

Children's Coverage

Either Employee or Spouse has the option of choosing a standalone policy for each child; and/or adding the children’s term rider to the base policy, which covers all children.

Children's Whole Life Insurance Policy

• Premiums are based on the issue age of the child and are payable to age 70 .

• Coverage can be continued if the employee retires or leaves the company.

• This is available to children and grandchildren, regardless of dependency.

Children's Term Rider

• This is available to children, stepchildren and legally adopted children of the employee, who are unmarried, reside with the employee and are dependent on the employee for at least half of their financial support.

• This rider may be added to the employee or spouse policy, but not both. Employee or spouse must be 64 or younger.

• Annual premium is $6.00 per $1,000 of coverage.

• This rider must be added during an enrollment period when the first child is at least 14 days old in order for that child, and all future children, to have coverage.

• All future children are automatically covered after 14 days of age with no increase in premium.

• Death of the primary insured individual results in paid-up term coverage for each child until age 25.

• As each child reaches age 25, he or she may purchase whole life coverage, at current rates, for up to five times the amount of coverage inforce, subject to minimum policy requirements that apply to that contract.

The insured employee is responsible for notifying Unum in writing at least 31 days prior to the child’s 25th birthday if this change is desired.

• Child Term Rider not available in WA.

Product Highlights & Descriptions Whole Life

Additional Coverage Options

Accidental Death Benefit Rider

Provides an additional death benefit equal to the base policy face amount if the insured individual dies before age 70 as a result of an accident as defined in the policy.

• This rider is available to employees and spouses age 15 to 65, and only at initial enrollment.

• The maximum available benefit is $150,000.

Long Term Care Rider (Massachusetts: Qualified Chronic Illness Accelerated Benefit Rider)

This provides benefits if a physician certifies the insured is functionally impaired and requires long term care provided through nursing home care, assisted living facility, home health care or adult day care.

• This coverage is not available for children or issue ages over 70.

• Once chosen by the employer, all eligible adult policies automatically receive this rider.

• This provides a monthly benefit for nursing home care or assisted living facility of the lesser of 6% (benefit percent may vary by state) of the policy face amount or $3,000.

• This provides a monthly benefit for home health care or adult day care equal to the lesser of 4% of the policy death benefit; the actual monthly costs for Home Health Care, or $1,500 .

• Benefits for long term care will begin after the 90-day elimination period, subject to any pre-existing condition limitations defined in the rider. At this time rider premiums will be waived.

• Each benefit payment reduces the policy values by a proportional amount, and is considered an early payout of the death benefit.

• The maximum benefit is equal to 100% of the death benefit, less any policy debt.

• This is currently not available in HI, NH, NY, UT and WA.

• This is tax-qualified, which means that any benefits you receive will not be taxed.

• Other state exceptions may apply.

Additional Long Term Care Riders - available for Employee/Spouse selection, only one rider may be selected if base rider has been offered.

Restoration of Long Term Care Benefits Rider

Available to employee and spouse if the base long term care rider is elected by the employer.

• Issue ages are 15-60.

• Not available if paid up to age 70 is selected.

• Benefits under this rider will restore 100% of the following policy values:

- Face Amount

- Death Benefit

- Cash Value

• The restored policy values will be restored only one time.

• This benefit doubles the long term care benefit paid under the policy.

• There is an additional charge for this rider.

• Not available in CA, CT, FL, HI, NC, NH, NY, OR, PA, TX, UT and WA.

Continuation of Long Term Care Benefits Rider

Available to employee and spouse if the base long term care rider is elected by the employer.

• Issue ages are 15-70.

• Continues the benefits payable under the long term care rider after all monthly benefit amounts under the base rider have been exhausted.

• No death benefit is payable under this rider during continuation of benefits.

• There is an additional charge for this rider.

• This rider is required in Oregon.

• Not available in CA, CT, FL, HI, NC, NH, NY, PA, TX, UT and WA.

Product Highlights & Descriptions Whole Life

Restoration of Benefits and Continuation of Long Term Care Benefits Rider (Combo)

Available to employee and spouse if the base long term care rider is elected by the employer.

Not available if either the restoration rider or continuation rider is elected.

• Issue ages are 15-60.

• Not available if paid up to age 70 is selected.

• Continues the benefits payable under the long term care rider after all monthly benefit amounts under the base rider have been exhausted.

• Benefits under this rider will restore 100% of the following policy values:

- Face Amount

- Death Benefit

- Cash Value

• The restored policy values will be restored only one time.

• No death benefit is payable under this rider during continuation of benefits.

• There is an additional charge for this rider.

• Not available in CA, CT, FL, HI, NC, NH, NY, PA, TX, UT and WA.

Living Benefit Option Rider

A Living Benefit Option Rider is automatically included at no extra premium on all policies. This feature allows the policyowner to request up to 100% of the death benefit (to a maximum of $150,000) if the insured is diagnosed with a medical condition that limits life expectancy to 12 months or less. Any payout reduces the death benefit.

May vary by state.

State Approvals

Whole life is currently available for sale in all states.

Exclusions

If the insured individual commits suicide within two years from the policy date, Unum's liability will be the refund of premiums paid, without interest, less the sum of any debt, and the cost of any supplementary benefit riders.

May vary by state.

Policy Termination

All coverage terminates when any one of the following occurs:

• You request coverage to terminate;

• The Insured dies;

• The policy matures; or

• The loan value exceeds the Guaranteed Cash Value of the policy.

Policy Definitions

• Premiums are guaranteed level based on the insured individual's age at policy issue, and do not increase due to age.

• The guaranteed non-forfeiture interest rate is 4.5%.

• The policy contains a reduced paid-up provision, which allows employees to use their accumulated cash value to purchase a smaller, paid-up policy with no further premiums due, subject to minimum policy limits.

• Coverage may be continued as long as sufficient premiums are paid.

Underwritten by the following subsidiary of Unum Group:

Provident Life and Accident Insurance Company 1 Fountain Square, Chattanooga, TN 37402

In New York, coverage is underwritten by:

First Unum Life Insurance Company 666 3rd Avenue, Suite 301, New York, NY 10017

Proposal Conditions

Proposal Conditions:

Policies: This proposal is not a contract for insurance. The Benefits and Cost Summary, these Conditions and related Product Highlights and Descriptions which constitute the proposal are only summaries. Any policies issued will contain complete coverage terms, including additional definitions, limitations and exclusions, and will control in the event of a conflict. Unless otherwise stated, this offer includes only Unum's standard policy provisions and services. Some policies and provisions may vary or not be available in all states.

Policy Contingencies: This proposal is contingent on the accuracy of all information provided by you or on your behalf, your ability and willingness to complete all required administrative functions, including

• updating Unum of any changes with employees such as employment terminations or canceling payroll deductions

• administering payroll deductions in accordance with employees coverage

• remitting payments to Unum per the billing arrangement for your insurance plan

• cooperation in planning future enrollment events, and fulfillment of all minimum enrollment participation requirements

• adhering to the requirements listed in your insurance proposal, as well as Unum's verification of all information you provided for the proposal and final approval of all risks

Upon failure to satisfy any of these conditions, Unum can withdraw this offer and no policies will be issued.

Policy Delivery and Web Servicing: For group plans, a copy of your insurance policy, certificate booklet and related plan documents will be delivered electronically on Unum's employer secure website. Your employees will also receive certificates for the group coverages they've purchased.

Unum will mail your employees who purchase individual coverages a welcome packet which summarizes coverages purchased. Your employees' policies, including applications will be placed on Unum's employee secure and confidential website for employees to access.

Both the employer and your employees' ability to electronically retrieve and download the documents is deemed to constitute delivery and receipt.

This quote will remain open until the date stated in the Benefits and Costs Summary July 20, 2014 after which time it will automatically expire without notice or further action. Although we do not anticipate doing so, we reserve the right to withdraw or modify this offer at any time. Any change in plan design, eligibility, participation requirements or similar conditions requires written approval from Unum.

Eligibility: Eligibility for coverage under some policies is conditioned on being in active employment in the United States and a United States or Canadian citizen or a permanent United States resident.

Broker Licensing and Appointment. Prior to soliciting sales, insurance representatives must be licensed in the policy situs state and each state where one-on-one solicitations occur. They must also be appointed with the applicable Unum insuring subsidiary. Unum cannot issue coverage if a representative is not properly licensed and appointed. Unum is prepared to assist agents in complying with these state regulations. Representatives who need to check their Unum appointment status should call the Broker Compensation Service Center at 1-800-633-7491 opt. 2.

Privacy Conditions: Because of the sensitive and private nature of much of the information available on Unum's secure website-especially information related to insureds-it is important that before you grant access to others they confirm their ability and willingness to keep the information confidential and secure at all times. In addition, you must periodically review your authorized user list and promptly remove anyone who should no longer have access (e.g., former employees or third party brokers, consultants or vendors with whom you are no longer affiliated). By accepting this offer, you agree that Unum may rely on the actions of those to whom you grant access as if they were yours and may rely on the sufficiency of all authorizations you have granted them. You must notify Unum immediately of any breach of security or any unauthorized disclosure of personal information related to insureds by you or anyone to whom you have granted access. Prior to using Unum's secure website, you must agree to the terms of Unum's Internet Services User Agreement.

NOTICE TO ERISA PLAN FIDUCIARIES: When ERISA governs, offering both employer paid and employee paid insurance products under a single ERISA plan and reporting them on a single Form 5500 gives maximum flexibility to employers to determine the proportion of employer and employee funding and to make decisions on how premium is allocated among coverages. The employer's payment obligation is the difference between the total cost of benefits and any employee contributions.

Proposal Conditions

ERISA Support: Unum supports treating all its group policies as employee welfare benefit plans governed by ERISA and will do so unless an employer advises that its plan qualifies for an exemption from ERISA. To assist employers in carrying out their ERISA responsibilities, employers who provide Unum with the necessary information can, in most cases, use Unum's certificate booklets to comply with their initial summary plan description disclosure requirements. Unum also provides employers with the premium and commission information needed to complete Schedule A on Form 5500 for group insurance. Similar information will be provided for other insurance policies, upon request. Please call 1-800-633-7491 for Broker Compensation Services to request such information.

Civil Union and Domestic Partners: Unum complies with all state civil union and domestic partner laws when applicable to our policies.

Proposal Conditions

BROKER COMPENSATION DISCLOSURE NOTICE FOR GROUP PRODUCTS

Your insurance or benefits advisor can offer you advice and guidance as you select the policy and provider most appropriate for your needs. At Unum we recognize the important role these professionals play in the sale of our products and services and offer them a variety of compensation programs. Your advisor can provide you with information about these programs as well as those available from other providers. We support disclosure of broker compensation so that customers can make an informed buying decision.

Brokers may be eligible to receive Base Commissions and Supplemental Commissions from Unum.

Unless you have agreed in writing to compensate the broker differently, Unum provides Base Commissions to all brokers in connection with the sale of an insurance policy. Base Commissions are a fixed percentage of the policy premium, and may include a one time, first year flat amount for each policy sold. Base Commissions are paid by Unum to the broker(s) on your policy. In some circumstances, broker(s) may be eligible to receive commissions on your policy even after a broker of record change has occurred.

A broker may also qualify for Supplemental Commissions paid by Unum. For group insurance products, Supplemental Commissions may be paid as a fixed percentage of total eligible group insurance premiums.

• For New Sales premiums, the Supplemental Commission rate may range from 0% to 5.00% of total premiums paid. For certain group products, an additional 0% to 11.00% Supplemental Commission may be paid; and an additional flat amount per application may be paid for using our laptop enrollment system.

• For Renewal premiums, the Supplemental Commission rate may range from 0% to 2.00%.

The exact Supplemental Commission percentage payable to any broker is based upon the total dollar amount of all eligible inforce or new sales insurance premiums or number of policies that the broker had inforce with Unum in the prior calendar year. Supplemental Commissions may be calculated differently for other insurance products.

The premium you pay is not impacted whether or not your broker receives Supplemental Commissions.

If you would like additional information about the range of compensation programs our company offers for your group insurance policy or any other Unum insurance product, you can find more details at www.unum.com.

Should you have other questions not addressed by the website, including the Supplemental Commission percentage applicable to your broker, or if you want to speak to us directly about broker compensation, please call

(866) 822-0716 (outside the US, call (423) 294-0001).

©2014 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

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Customer Acknowledgement of Proposal

Customer Acknowledgement of Proposal:

I acknowledge the terms, conditions, and plan design(s) outlined in this proposal.

Employer Signature

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1250383/236950