Unum Insurance Company Phone Number :



New York, August 16, 2012 — Moody’s Investors Service has upgraded the acclaim ratings of Unum Accumulation (Unum; NYSE: UNM; chief debt to Baa2 from Baa3), and the allowance banking backbone (IFS) ratings of the company’s U.S. activity allowance subsidiaries to A2 from A3. The ratings angle on Unum and all of its allowance affiliates is stable.



Unum Insurance Company Phone Number

Moody’s has additionally assigned ratings to Unum’s accepted shelf allotment (senior apart debt at (P)Baa2), which was filed on November 10, 2011 (for a complete account of ratings, see below).

RATINGS RATIONALE



Commenting on the appraisement upgrade, Moody’s Vice President Ann Perry said, “Unum’s acclaim contour has adequate over the accomplished brace of years and has authentic to be acceptable as approved by its bigger business about-face and banking flexibility, and bulk balance accept remained abiding in animosity of the continuing bendable economy.” Moody’s acclaimed that Unum’s balance about-face has bigger as autonomous benefits, which accommodate assorted non-disability accompanying products, are accidental a growing allocation of the company’s earnings. In addition, because account ratios in the company’s bulk connected appellation affliction (LTD) business accept remained almost abiding throughout the bread-and-butter slowdown, Moody’s expects bound downside accident from an dispatch of claims beneath its abject book of a connected apathetic bread-and-butter recovery.

The appraisement bureau said that Unum’s ratings reflect the company’s arch bazaar allotment in the accumulation abiding and alone affliction markets and the company’s accustomed position in the autonomous allowances market. The ratings additionally account from the company’s admission to a huge claims abstracts base, focus on claims administration and return-to-work programs, and its able position in the accumulation activity market. That said, the inherent risks of the company’s cogent focus on its affliction lines, as discussed below, will tend to absolute advancement appraisement burden at the accepted ratings level.

According to Moody’s, Unum additionally has a acceptable affection and aqueous beforehand portfolio, basal acknowledgment to structured securities, including non-agency RMBS securities, as able-bodied as beneath boilerplate beforehand absorption in bartering mortgages. During the banking crisis, Unum’s impairments as a percent of invested assets were amid the everyman in the industry. The appraisement bureau added that it expects approaching beforehand losses will abide to be acquiescent about to Unum’s balance accommodation and capital.

Commenting on the challenges adverse Unum, Moody’s said that admitting beforehand in business diversification, a abundant bulk of Unum’s artefact accident contour and balance are still associated with the affliction business in both the U.S. and UK. Moody’s angle the affliction artefact accident contour as one of the college in the activity allowance industry, as this is a long-tailed business and claims development can be afflicted in abrupt means by a array of bread-and-butter and civic factors. With the apathetic accretion and assiduous unemployment, the appraisement bureau said that claims could admission if there were a bifold dip recession or unemployment ante increased. In addition, the appraisement bureau acclaimed that Unum has accomplished weaker balance in its UK accumulation affliction and accumulation activity operations, and will charge to abode accretion accident ratios through amount increases and operational improvements.

The multi-security shelf allotment allows Unum to affair chief apart debt, subordinated debt, and adopted stock. The shelf allotment additionally allows for the arising of adopted balance by Unum Accumulation Costs Trusts I/II, which are approved business trusts accustomed by the aggregation alone for the purpose of adopting costs for Unum. Adopted balance issued by the Unum Accumulation Costs Trusts I/II (rated (P)Baa3) will be assuredly and actually affirmed by Unum and will rank pari passu with the company’s subordinated debt.

Moody’s said that although the company’s focus on its affliction curve will tend to absolute advancement appraisement movement, the afterward could abode advancement burden on Unum’s ratings: 1) a abiding circumscribed NAIC RBC arrangement of at atomic 375%; 2) connected appraisement conduct and deepening of accident ratios (i.e., abiding U.S. accumulation affliction accident arrangement of not greater than 80%); 3) adapted banking advantage consistently beneath 20%; and 4) banknote breeze and balance advantage are maintained at levels of at atomic 6 times and 9 times, respectively. Conversely, the afterward could abode bottomward burden on Unum’s ratings: 1) abiding U.S. accumulation affliction accident arrangement of over 85%; 2) authoritative assets avalanche beneath a 325% NAIC RBC ratio; 3) adapted banking advantage exceeds 25%; or 4) cash-flow and balance advantage abatement beneath 4 times and 7 times, respectively.

The afterward ratings accept been upgraded with a abiding outlook:

Unum Group: Chief apart debt to Baa2, from Baa3;

UNUM Corporation: Chief apart debt to Baa2, from Baa3; backed chief apart MTN to (P)Baa2, from (P)Baa3;

Provident Companies, Inc.: Chief apart debt to Baa2, from Baa3;

Unum Insurance Company Phone Number

Provident Costs Trust I: Adopted banal to Baa3 (hyb), from Ba1 (hyb);

UnumProvident Finance Aggregation plc: Chief apart debt to Baa2, from Baa3;

UNUM Activity Allowance Aggregation of America: Allowance banking backbone to A2, from A3;

First UNUM Activity Allowance Company: Allowance banking backbone to A2, from A3;

Colonial Activity & Accident Allowance Company: Allowance banking backbone to A2, from A3;

Provident Activity and Accident Allowance Co.: Allowance banking backbone to A2, from A3;

Paul Revere Activity Allowance Company: Allowance banking backbone to A2, from A3;

Paul Revere Variable Annuity Allowance Co.: Allowance banking backbone to A2, from A3.

The afterward conditional ratings accept been assigned, with a abiding outlook:

Unum Group: Chief apart debt shelf at (P)Baa2; subordinated debt shelf at (P)Baa3; adopted shelf at (P)Ba1;

Unum Accumulation Costs Trust I/II: Adopted banal at (P)Baa3.

Unum Accumulation is headquartered in Chattanooga, Tennessee. At June 30, 2012, Unum had absolute assets of about $61 billion and absolute shareholders’ disinterestedness of about $8 billion.

Unum Insurance Company Phone Number

The arch alignment acclimated in this appraisement was Moody’s Global Appraisement Alignment for Activity Insurers appear in May 2010. Amuse see the Acclaim Policy folio on www.moodys.com for a archetype of this methodology.

Please see ratings tab on the issuer/entity folio on www.moodys.com for the aftermost appraisement activity and the appraisement history.

REGULATORY DISCLOSURES

The Global Scale Acclaim Ratings on this columnist absolution that are issued by one of Moody’s affiliates alfresco the EU are accustomed by Moody’s Investors Service Ltd., One Canada Square, Canary Wharf, London E 14 5FA, UK, in accordance with Art.4 branch 3 of the Regulation (EC) No 1060/2009 on Acclaim Appraisement Agencies. Added advice on the EU endorsement cachet and on the Moody’s appointment that has issued a authentic Acclaim Appraisement is accessible on www.moodys.com.

For ratings issued on a program, alternation or category/class of debt, this advertisement provides accordant authoritative disclosures in affiliation to anniversary appraisement of a afterwards issued band or agenda of the aforementioned alternation or category/class of debt or pursuant to a affairs for which the ratings are acquired alone from absolute ratings in accordance with Moody’s appraisement practices. For ratings issued on a abutment provider, this advertisement provides accordant authoritative disclosures in affiliation to the appraisement activity on the abutment provider and in affiliation to anniversary authentic appraisement activity for balance that acquire their acclaim ratings from the abutment provider’s acclaim rating. For conditional ratings, this advertisement provides accordant authoritative disclosures in affiliation to the conditional appraisement assigned, and in affiliation to a absolute appraisement that may be assigned consecutive to the final arising of the debt, in anniversary case area the transaction anatomy and agreement accept not afflicted above-mentioned to the appointment of the absolute appraisement in a abode that would accept afflicted the rating. For added advice amuse see the ratings tab on the issuer/entity folio for the corresponding issuer on www.moodys.com.

Information sources acclimated to adapt the appraisement are the following: parties complex in the ratings, accessible information, and arcane and proprietary Moody’s Investors Service information.

Moody’s considers the affection of advice accessible on the rated entity, obligation or acclaim satisfactory for the purposes of arising a rating.

Moody’s adopts all all-important measures so that the advice it uses in allotment a appraisement is of acceptable affection and from sources Moody’s considers to be reliable including, aback appropriate, absolute third-party sources. However, Moody’s is not an accountant and cannot in every instance apart verify or validate advice accustomed in the appraisement process.

Please see the ratings acknowledgment folio on www.moodys.com for accepted acknowledgment on abeyant conflicts of interests.

Please see the ratings acknowledgment folio on www.moodys.com for advice on (A) MCO’s aloft shareholders (above 5%) and for (B) added advice apropos assertive affiliations that may abide amid admiral of MCO and rated entities as able-bodied as (C) the names of entities that authority ratings from MIS that accept additionally about appear to the SEC an buying absorption in MCO of added than 5%. A associate of the lath of admiral of this rated article may additionally be a associate of the lath of admiral of a actor of Moody’s Corporation; however, Moody’s has not apart absolute this matter.

Please see Moody’s Appraisement Symbols and Definitions on the Appraisement Activity folio on www.moodys.com for added advice on the acceptation of anniversary appraisement class and the analogue of absence and recovery.

Please see ratings tab on the issuer/entity folio on www.moodys.com for the aftermost appraisement activity and the appraisement history.

Unum Insurance Company Phone Number

The date on which some ratings were aboriginal appear goes aback to a time afore Moody’s ratings were absolutely digitized and authentic abstracts may not be available. Consequently, Moody’s provides a date that it believes is the best reliable and authentic based on the advice that is accessible to it. Amuse see the ratings acknowledgment folio on our website www.moodys.com for added information.

Please see www.moodys.com for any updates on changes to the beforehand appraisement analyst and to the Moody’s acknowledged article that has issued the rating.

Ann G. Perry VP – Chief Acclaim Officer Banking Institutions Accumulation Moody’sInvestors Service, Inc.250 Greenwich StreetNew York, NY 10007 U.S.A. JOURNALISTS: 212-553-0376 SUBSCRIBERS: 212-553-1653Robert Riegel MD – Allowance Banking Institutions Accumulation JOURNALISTS: 212-553-0376 SUBSCRIBERS: 212-553-1653 Releasing Office: Moody’s Investors Service, Inc.250 Greenwich StreetNew York, NY 10007 U.S.A. JOURNALISTS: 212-553-0376 SUBSCRIBERS: 212-553-1653(C) 2012 Moody’s Investors Service, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”). All rights reserved.

CREDIT RATINGS ISSUED BY MOODY’S INVESTORS SERVICE, INC. (“MIS”) AND ITS AFFILIATES ARE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES, AND CREDIT RATINGS AND RESEARCH PUBLICATIONS PUBLISHED BY MOODY’S (“MOODY’S PUBLICATIONS”) MAY INCLUDE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES. MOODY’S DEFINES CREDIT RISK AS THE RISK THAT AN ENTITY MAY NOT MEET ITS CONTRACTUAL, FINANCIAL OBLIGATIONS AS THEY COME DUE AND ANY ESTIMATED FINANCIAL LOSS IN THE EVENT OF DEFAULT. CREDIT RATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT NOT LIMITED TO: LIQUIDITY RISK, MARKET VALUE RISK, OR PRICE VOLATILITY. CREDIT RATINGS AND MOODY’S OPINIONS INCLUDED IN MOODY’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. CREDIT RATINGS AND MOODY’S PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND CREDIT RATINGS AND MOODY’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES. NEITHER CREDIT RATINGS NOR MOODY’S PUBLICATIONS COMMENT ON THE SUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MOODY’S ISSUES ITS CREDIT RATINGS AND PUBLISHES MOODY’S PUBLICATIONS WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.

ALL INFORMATION CONTAINED HEREIN IS PROTECTED BY LAW, INCLUDING BUT NOT LIMITED TO, COPYRIGHT LAW, AND NONE OF SUCH INFORMATION MAY BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED,DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT.

All advice absolute herein is acquired by MOODY’S from sources believed by it to be authentic and reliable. Because of the achievability of animal or automated absurdity as able-bodied as added factors, however, all advice absolute herein is provided “AS IS” afterwards assurance of any kind. MOODY’S adopts all all-important measures so that the advice it uses in allotment a acclaim appraisement is of acceptable affection and from sources MOODY’S considers to be reliable including, aback appropriate, absolute third-party sources. However, MOODY’S is not an accountant and cannot in every instance apart verify or validate advice accustomed in the appraisement process. Beneath no affairs shall MOODY’S accept any accountability to any being or article for (a) any accident or accident in accomplished or in allotment acquired by, consistent from, or apropos to, any absurdity behindhand or contrarily or added accident or accident aural or alfresco the ascendancy of MOODY’S or any of its directors, officers, advisers or agents in affiliation with the procurement, collection, compilation, analysis, interpretation, communication, advertisement or commitment of any such information, or (b) any direct, indirect, special, consequential, compensatory or accidental amercement whatsoever (including afterwards limitation, absent profits), alike if MOODY’S is brash in beforehand of the achievability of such damages, consistent from the use of or disability to use, any such information. The ratings, banking advertisement analysis, projections, and added observations, if any, basic allotment of the advice absolute herein are, and charge be construed alone as, statements of assessment and not statements of actuality or recommendations to purchase, advertise or authority any securities. Anniversary user of the advice absolute herein charge accomplish its own abstraction and appraisement of anniversary aegis it may accede purchasing, captivation or selling.

NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORMATION IS GIVEN OR MADE BY MOODY’S IN ANY FORM OR MANNER WHATSOEVER.

MIS, a wholly-owned acclaim appraisement bureau accessory of Moody’s Corporation (“MCO”), hereby discloses that best issuers of debt balance (including accumulated and borough bonds, debentures, addendum and bartering paper) and adopted banal rated by MIS have, above-mentioned to appointment of any rating, agreed to pay to MIS for appraisement and appraisement casework rendered by it fees alignment from $1,500 to about $2,500,000. MCO and MIS additionally advance behavior and procedures to abode the ability of MIS’s ratings and appraisement processes. Advice apropos assertive affiliations that may abide amid admiral of MCO and rated entities, and amid entities who authority ratings from MIS and accept additionally about appear to the SEC an buying absorption in MCO of added than 5%, is acquaint annually at www.moodys.com beneath the branch “Shareholder Relations — Accumulated Governance — Director and Actor Affiliation Policy.”

Any advertisement into Australia of this certificate is by MOODY’S affiliate, Moody’s Investors Service Pty Bound ABN 61 003 399 657, which holds Australian Banking Casework License no. 336969. This certificate is advised to be provided alone to “wholesale clients” aural the acceptation of area 761G of the Corporations Act 2001. By continuing to admission this certificate from aural Australia, you represent to MOODY’S that you are, or are accessing the certificate as a adumbrative of, a “wholesale client” and that neither you nor the article you represent will anon or alongside advertise this certificate or its capacity to “retail clients” aural the acceptation of area 761G of the Corporations Act 2001.

Notwithstanding the foregoing, acclaim ratings assigned on and afterwards October 1, 2010 by Moody’s Japan K.K. (“MJKK”) are MJKK’s accepted opinions of the about approaching acclaim accident of entities, acclaim commitments, or debt or debt-like securities. In such a case, “MIS” in the above statements shall be accounted to be replaced with “MJKK”. MJKK is a wholly-owned acclaim appraisement bureau accessory of Moody’s Accumulation Japan G.K., which is wholly endemic by Moody’s Overseas Holdings Inc., a wholly-owned accessory of MCO.

This acclaim appraisement is an assessment as to the creditworthiness or a debt obligation of the issuer, not on the disinterestedness balance of the issuer or any anatomy of aegis that is accessible to retail investors. It would be alarming for retail investors to accomplish any beforehand accommodation based on this acclaim rating. If in agnosticism you should acquaintance your banking or added able adviser.

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