UnumProvident Corporation

Workforce, June, 2003

Putting People First

As the leader in income protection, * Unumprovident offers powerful absence management solutions that can help your company maximize productivity and reduce the costs of employee lost time. Our comprehensive resources include insurance benefits as well as specialized claim management, return-to-work support, work/life balance programs, integrated disability management, integrated information reporting and family medical leave management services, among others.

We know that facing a disability can be overwhelming, and that it's important to understand what employees are going through during a difficult time. As a company, we are committed to helping our disabled customers replace their lost income, and when the time is right, return to a productive lifestyle. Throughout the recovery process, we put people first by providing personal attention to each claim.

One young woman knows firsthand the importance of our commitment to customers. Deb Mosley was diagnosed with breast cancer at 31, just as she was embarking on her career as an attorney. When she called, UnumProvident was there--with insurance benefits to help ease her financial worries and the emotional support she needed throughout her recovery. Today, this young Californian is back at work, and we are fortunate to have played a small part in her extraordinary story of courage.

Last year we helped hundreds of thousands of families and individuals like Deb by providing more than $3.7 billion in benefits, enabling them to get on with their lives despite disability. At UnumProvident, we're making a difference...one person at a time.

* UnumProvident represents multiple insuring subsidiaries of UnumProvident Corporation, including the #1 individual and group income protection carriers in the U.S., according to the JHA U.S. 2001 Group and Individual Disability Market Surveys, 2002.

UNUMPROVIDENT CORPORATION

1 Fountain Square

Chattanooga, TN 37402

[C] 2003 UnumProvident Corporation. All rights reserved.

Policies or provisions may vary or be unavailable in some states.

Policies have exclusions and limitations that may affect any benefits payable. See the actual policy or your

UnumProvident representative for specific provisions and details of availability

NS03-376

Contact

UnumProvident Corporation

1 Fountain Square

Chattanooga, TN 37402

T: 866-491-8108

F: 423-294-2270