How To Get A Critical Illness Benefit From Unum S Term Life Insurance

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1 How can your family s finances survive the unexpected? Unum s voluntary benefits may help. Why would you need Accident insurance? Because it pairs nicely with your medical insurance but you don t have to have medical insurance for this plan to benefit you. Here s why: Let s say you are driving to work and get in a car accident resulting in an ambulance ride to the emergency room and admission to the hospital for a broken leg. Unum writes a check to you for $2,600. $100 for Ambulance; $150 for ER; $1,600 for broken leg; $750 for hospital admission. And remember, this coverage only cost you $3.78/week. You probably will pay over 2x that for lunch this afternoon. Why would you need Critical Illness insurance? Medical advances in the last 50 years have increased our life expectancy, and it is now much more likely that a person can recover from a critical Illness (like a heart attack, stroke or cancer). But there is still the matter of a recovery period, which can be lengthy (and expensive). Unum s critical illness benefit is a good news plan because it is about survival and recovery, and about having the money so you and your family can financially survive during a period of a critical illness. Unum s critical illness insurance provides a lump sum payment at first diagnosis of a covered critical Illness. It can be used however you choose for the expenses health insurance doesn't cover. A $5,000 benefit for a year-old, non-tobacco user is just $1.53/week. It is often used for medical deductibles, co-payments, out-of network costs, experimental treatments and other hidden indirect costs such as childcare expenses, loss of family member s income from time off, and travel to treatment centers for you and your loved ones. Why would you need Term Life insurance? Because life insurance is a product you buy not for yourself, but to help take care of those who depend on your income. The hardest thing a family faces is the loss of a loved one. Having life insurance won t make the loss any easier, but it can relieve some of the financial burdens during this very difficult time. For a year-old, cost for term life insurance is just $.25/week for a $10,000 benefit. That is just $1.00 a month. Also, as an employee, we are offering you at this enrollment only, the opportunity to buy up to a $100,000 benefit without evidence of good health. What does this mean to you? As long as you are an active employee during the enrollment and when the coverage becomes effective on 1/1, you could have a serious illness such as cancer and you are still eligible for up to a $100,000 benefit. Who s at risk? About one-fourth of all heart-disease-related deaths occur in men ages 35 to The estimated probability of developing cancer during a lifetime is 1 in 2 for men and 1 in 3 for women. 2 Every 26 seconds an American will have a coronary event, such as a heart attack or stroke. 3 Did you know? Half of all bankruptcies are attributed to injury, illness and medical bills. 4 How to Enroll: Call center enrollment will be available soon! Unum Reps will be able to answer questions, explain pricing and assist you with the enrollment process. Be sure to have this information with you when you call. Look for call center instructions in the next few days. Why Enroll Now? Competitive group rates available through your employer. Portable policies that you can take with you if you retire/leave your employer. Your buying decision is your choice - you can cancel at anytime throughout the year. You lock in the rates. Rates don t increase as you age (NOTE: doesn't apply to term life). Ease of payroll deduction. Family coverage options available for all three plans. 1 The American Heart Association, "Heart Disease and Stroke Statistics 2008 Update," January 29, American Cancer Society, Cancer Statistics 2008, March The American Heart Association, "Heart Disease and Stroke Statistics 2008 Update," January 29, Allsup, Inc. For Disabled, Getting a Handle on Expenses 11/ 27/ 2007.

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6 Voluntary specified critical Illness Insurance Can your wallet survive a serious illness? The answer can be yes with critical illness insurance from Unum. * * * * Life can change in a heartbeat. Heart problems run in Ann s family. But she has two active boys to keep up with. She d rather worry about their antics making her heart skip a beat, not the high cost of a heart condition. MY CRITICAL ILLNESS WORKSHEET Costs to consider* Medical deductible ($500) Out-of-pocket medical expenses ($4,000) (May include hospital stay, physician copays, physical therapy, medical equipment, prescription copays) Alternative treatments (16 sessions = $2,400) Home health care (2 weeks = $1,500) Child care (4 weeks = $800) Transportation to health facilities (as much as $700 for 2 plane tickets) Lodging near health facilities (as much as $1,000 for 5-night stay) Out-of-pocket expense total ($10,900) *For illustrative purposes only. Approximate costs based on national averages. Costs will vary. What s the risk? Every 26 seconds an American will have a coronary event, such as a heart attack or stroke. 1 Many patients pay as much as $5,000 or more per month, out of pocket, for cancer-treatment drugs even for generics. 2 Use your critical illness benefit any way you choose. Critical illness insurance pays you a lump sum benefi t at the fi rst diagnosis of a covered illness. 3 It can be used however you choose for the expenses health insurance doesn t cover. Illnesses covered by the base plan include: heart attack stroke major organ transplant permanent paralysis due to a covered accident end-stage renal (kidney) failure coronary artery bypass surgery (pays 25% of lump sum benefi t) Illnesses covered by the enhanced plan include all of the above, plus: cancer carcinoma in situ 4 (pays 25% of lump sum benefi t) Please refer to the policy for complete definitions of covered critical illnesses. How to apply ) Your benefit enrollment is coming soon. To learn more, watch for information from your employer. Physical Therapy Medical Deductible Child Care * *

7 Get the coverage you need Critical illness insurance is offered to all eligible employees ages 16 to 69 (64 in California) who are actively at work. Choose the benefi t amount that s right for you from $5,000 to $50,000, in $1,000 increments. Three reasons to buy this coverage at work 1. You get affordable rates when you buy this policy through your employer, and the premiums are conveniently deducted from your paycheck. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage becomes effective on the fi rst day of the month in which payroll deductions begin. Employer-selected benefit option Your employer may automatically include this option as part of your benefi ts, for an additional premium. Health screening benefit rider This benefi t 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. Eligibility begins 30 days after the coverage effective date. A full list of more than 20 covered tests will be provided at your enrollment. Employee-elected benefit option Your employer may make this option available to you to purchase, for an additional premium. Enhanced (two payout) plan This plan includes all covered conditions previously listed and can provide an additional lump sum benefi t if diagnosed with cancer and/or carcinoma in situ. Available family coverage Who can have it? Spouse rider Ages 16 to 64 with purchase of employee policy Child rider Available with purchase of employee policy for eligible children, stepchildren and legally adopted children, 14 days through 24 years (who are not married and are dependent on the employee for at least half of their support) What s the benefit amount? From $5,000 to $30,000 in $1,000 increments $5,000 or $10,000 one rider covers all children Policy provisions Reduction of benefits The benefi t amount for the employee and spouse reduces by 50% on the fi rst policy anniversary after the insured individual s 70th birthday, or fi ve years after the policy effective date, whichever is later. Premiums for the policy will not be reduced. If partial benefi ts for coronary artery bypass surgery or carcinoma in situ have been paid prior to the reduction of benefi ts, then the new benefi t amount will be calculated by applying the 50% to the benefi t amount reduced by the prior payout. The additional cancer and carcinoma in situ benefit No benefi ts will be paid for cancer or carcinoma in situ if the date of diagnosis occurs during the fi rst 30 days from the coverage effective date. My critical illness coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) In GA and PA, permanent paralysis is not a covered condition. In PA, insured individuals are not eligible for coverage if supplementing a specifi ed disease (cancer) plan. In SD, waiting period for cancer is extended to 90 days. In CA, DE, GA, ME, TX and VT insured individuals must be covered by comprehensive health insurance before applying for CI05 insurance. *This material is intended to be a brief description of the policy. The policy defi nitions, exclusions and limitations will be used to determine actual benefi t decisions. After a policy is issued, you will have a 30-day period during which the policy can be cancelled at no cost to you. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefi ts payable. See the actual policy or your Unum representative for specifi c provisions and details of availability. 1 The American Heart Association, Heart Disease and Stroke Statistics 2008 Update, January 29, The New York Times, Insurance Lags as Cancer Care Comes in a Pill, By Andrew Pollack, April 14, Benefi ts will not be payable for a covered critical illness if you were diagnosed with or sought treatment for the same critical illness within the 10-year period prior to the coverage effective date. 4 Cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues. Underwritten by: Provident Life and Accident Insurance Company, 1 Fountain Square, Chattanooga, TN unum.com 2009 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with all state civil union and domestic partner laws when applicable. EN-1002 (6-09) THIS IS A LIMITED POLICY. For employee information. CI05 SU * *

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9 Group Voluntary Term Life insurance Employee purchase What would your family do without your income? Unum s Group Voluntary Term Life insurance can help. * * * * Give them options for their future. Alan is single no attachments. He s got a great job and a fantastic new car. Sometimes he helps his parents with their bills. If something happens to him, Alan still wants to help provide for his parents needs and long term care. What happens after you re gone? 25% of household heads surveyed say they do not have a plan in place to provide a decent standard of living for their families if they die tomorrow. 1 Another 27% surveyed say they would have trouble meeting everyday Features with value 1. Adds more coverage that s also affordable Your employer may give you a basic term life policy, but it s probably not enough for your needs. Buy extra Group Voluntary Term Life insurance at an affordable rate. Keep it as long as you pay the premium, no matter where you work. 2. Requires no physical exam If you apply during your initial enrollment, you can get this insurance up to a specifi c amount without a health exam. You may be asked a few medical questions. How to apply ) 25% Don t have a financial plan if they die tomorrow Your benefit enrollment is coming soon. To learn more about Unum s Group Voluntary Term Life insurance, watch for information from your employer. MY WORKSHEET Outstanding Debt How much will be left for your family to pay? Mortgage balance Other debt (credit cards, loans) TOTAL (This may help you decide how much coverage you need.) Ongoing Expenses How much do your dependents need each year? Home maintenance Transportation (gas, car payments, repairs) Utilities (electric, water, cable, Internet) Insurance (health, life, car, home) Food & clothing (groceries, restaurants) Education (tuition, books, supplies) Child care/elder care Savings contributions (retirement) Medical costs (doctor visits, medications) TOTAL Future Plans How much will your loved ones need for the future? College Other (retirement, long term care) TOTAL GRAND TOTAL Subtract existing coverage Consider adding this amount of life insurance (Note: a helpful rule is to multiply your current salary by five.) * *

10 Get the coverage you need. Group Voluntary Term Life insurance is offered to all eligible employees. Choose the benefi t amount you need in $10,000 increments up to your plan s maximum. Three reasons to buy this coverage at work now 1. You can keep the coverage if you leave the company or retire, provided you aren t seriously ill. You re billed at home for the same premium amount as you would have at work. 2. Once you buy $10,000 of coverage, you can add to it each year without a medical exam. 3. You get more affordable rates for you and your family. Premiums are conveniently deducted from your paycheck. Benefits highlights you ll appreciate: Survivor Financial Counseling service Financial planning and counseling are available to you or your family members at no extra cost if you die or are diagnosed with a terminal illness. Accelerated (early) benefit If you become terminally ill with less than 12 months to live, you may get part of your life benefi t early, up to your plan s maximum. Early payout is deducted from the policy s fi nal death benefi t. Available family coverage (if offered by your employer) Who can have it? Spouse Available with purchase of employee coverage; your spouse may be required to answer a few health questions. What s the benefit amount? In increments of $5,000 up to 100% or 50% of employee benefit amount. This varies by state. How long can they keep it? Your spouse can keep coverage as long as you keep yours, no matter where (or if) you work. Child Available with purchase of employee coverage for eligible children, stepchildren, legally adopted children and grandchildren, ages 14 days through 26 years. Birth to 6 months: $1,000. Six months to age 19 (or 26 if fulltime student): increments of $2,000, up to the lesser of: either 100% or 50% of the employee amount (this varies by state), or $10,000. Ends when employee policy ends or when children turn 19 (or 26 if full-time students). They are guaranteed the right to purchase a new policy that s the lesser of: same amount as the employee or spouse coverage, highest amount available to children, or $10,000. My Group Voluntary Life coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) 1,2 LIMRA, Facts About Life 2006, August Exclusions: Life insurance benefi ts will not be paid for deaths caused by suicide in the fi rst 24 months after your effective date of coverage. Additionally, no increased or additional benefi ts will be payable for deaths caused by suicide occurring within 24 months after the day such increased or additional insurance is effective. Survivor Financial Counseling services are provided by The Ayco Company, L.P., a Goldman Sachs Company, and are available with selected Unum insurance offerings. Exclusions, limitations and prior notice requirements may apply, and service features, terms and eligibility criteria are subject to change. The services are not valid after termination, and coverage may be withdrawn at any time. Contact your Unum representative for details. 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 benefi ts payable. For complete details of coverage, please refer to Policy Form(s): C.FP-I et al or see your Unum representative for specifi c provisions and details of availability. Underwritten by the following subsidiary of Unum Group: Unum Life Insurance Company of America, 2211 Congress Street, Portland, ME Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum Group and its insuring subsidiaries comply with all state civil union and domestic partner laws when applicable. For employee information EN-1005 (7-07) SU * *