SUBJECT: GROUP LIFE INSURANCE WITH ACCELERATED BENEFIT AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client.

This is your certificate of coverage as long as you are eligible for coverage and you become insured. You will want to read it carefully and keep it in a safe place.

Unum has written your certificate of coverage in plain English. However, a few terms and provisions are written as required by insurance law. If you have any questions about any of the terms and provisions, please consult Unum's claims paying office. Unum will assist you in any way to help you understand your benefits.

If the terms and provisions of the certificate of coverage (issued to you) are different from the policy (issued to the policyholder), the policy will govern. Your coverage may be cancelled or changed in whole or in part under the terms and provisions of the policy.

The policy is delivered in and is governed by the laws of the governing jurisdiction and to the extent applicable by the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments. When making a benefit determination under the policy, Unum has discretionary authority to determine your eligibility for benefits and to interpret the terms and provisions of the policy.

For purposes of effective dates and ending dates under the group policy, all days begin at 12:01 a.m. and end at 12:00 midnight at the Policyholder's address.

Unum Life Insurance Company of America
2211 Congress Street
Portland, Maine 04122

IMPORTANT INFORMATION REGARDING THE ACCELERATED BENEFIT

The insurance evidenced by this certificate provides life insurance, with the accelerated benefit option (An accelerated payment of your or your dependent's death benefit as a result of a terminal illness which reduces life expectancy to less than 12 months).

- Receipt of accelerated benefit payments may be taxable. Assistance should be sought from a personal tax advisor.

- Receipt of accelerated benefit payments may adversely affect eligibility for Medicaid or other government benefits or entitlements.

- Example of accelerated benefit amount and the effect of the payment on the remaining amount of life insurance.

$100,000     Your life amount
$ 75,000     The accelerated benefit amount (accelerated payment of your death benefit)
$ 25,000     The amount of life insurance remaining after payment of the accelerated benefit. (This is what will be paid to the beneficiary upon your death).

- Example of accelerated benefit amount and the effect of the payment on the remaining amount of life insurance.

$75,000     Your life amount
$37,500     The accelerated benefit amount (accelerated payment of your death benefit)
$37,500     The amount of life insurance remaining after payment of the accelerated benefit. (This is what will be paid to the beneficiary upon your death).