Difference Makers Our Work to Improve Lives and Communities · AMP 8007 Our Work to Improve Lives and Communities ... and governments all struggling to adapt. Most people have neither

Unum 2012 Corporate Citizenship Report a

AMP 8007

Our Work to Improve Lives and Communities

2012 Corporate Citizenship ReportDifference Makers

Unum 2012 Corporate Citizenship Reportb

At Unum, we make a difference in the lives of millions of people each year.

We have a Commitment to bring financial protection to workers and their families.

Unum 2012 Corporate Citizenship Report 1

We are dedicated to making our Communities better places to live and work.

Our Culture is based on accountability and excellence.


Every day at Unum we work to make a difference in the lives of others. It’s the foundation of our

business to provide financial protection benefits to individuals and families during some of the most

challenging times of their lives.

But making a difference is a part of our culture that extends beyond our commitment to individuals at

claim time. We demonstrate this by supporting the communities in which we live and work, advocating

for public policies that will strengthen the financial safety net for workers in the U.S. and the U.K.,

creating a rewarding workplace for our employees and becoming better stewards of our environment.

In this citizenship report, you’ll learn about some of the ways in which we make a difference in society

and our communities.

It all starts with the commitment we have to providing individuals and their families with the financial

protection benefits they need to better cope with the loss of a loved one or the inability to work due to

illness or injury. That need has never been greater, as people struggle to adapt to the changing economic

environment. And with many living paycheck to paycheck, it’s important to know they can count on

Unum when the unexpected occurs. In fact, our benefits specialists worked with hundreds of thousands

of our customers on claims filed last year, resulting in Unum paying more than $6 billion in benefits.

The past few years have been difficult ones for many people, and we are keenly aware of the fragile

financial position that so many workers find themselves in today. We continue to build on our public

policy efforts to underscore the value of workplace financial protection benefits, as we see firsthand

how crucial these much-needed backup plans are to individuals and their families.

From the CEO

Unum 2012 Corporate Citizenship Report2

Thomas R. WatjenPresident and Chief Executive Officer


That commitment to meeting the needs of others is also a key part of our company culture. We’ve

built our reputation on caring for others, and, as a result, we have the same standard of compassion

and excellence in the workplace. We’re committed to providing opportunities for our nearly 10,000

employees to grow personally and professionally, find a healthy balance between work and personal

life and excel to be the best.

Giving back to our communities is also a natural extension of the commitment we make each day to

our customers. In 2011, we contributed more than $12 million to charitable organizations in the U.S. and

the U.K. This includes nearly $2 million worth of volunteer time from our employees to organizations

that are important to them.

We are very fortunate as a company to be in a strong financial position, and our good fortune helps

propel our efforts as a good corporate citizen and neighbor. In reading this report, I hope you are as

impressed with the commitment of our employees as I am.

Sincerely,

Thomas R. Watjen

President and Chief Executive Officer

We are very fortunate as a company to be in a strong financial position, and our good fortune helps propel our efforts as a good corporate citizen and neighbor.


Difference Maker:Krista Workman Disability Benefits Specialist

“ Each day I strive to find ways to better provide protection to our customers in times of need: whether it’s going the extra mile to expedite the processing of a claim, or simply calling a customer to provide him or her with an update. Our benefits help protect workers and their families when dealing with situations beyond their control. I take pride in doing my job and being part of a company that takes financial protection seriously.”

– Krista Workman

Commitment

Unum 2012 Corporate Citizenship Report 5 11

Meeting the need for financial protectionAt Unum, we’re in the business of helping people

through difficult times in their lives. By offering

disability, life, and voluntary insurance benefits

through the workplace, we provide individuals and

their families with the financial security they need to

better cope with the loss of a loved one or the

inability to work due to illness or injury.

The need for what we do has never been greater. The

economic downturn has left consumers, businesses

and governments all struggling to adapt. Most people

have neither the personal savings nor insurance

protection to provide for themselves or their families

should a life-changing event occur. Businesses need a

partner to help them keep up with the ever-changing

benefits landscape. And governments, faced with

mounting deficits, increasingly struggle to provide

a safety net for their citizens, requiring individuals

to take more personal responsibility for their own

financial security.

Our products and services are uniquely positioned to

address this pressing societal need. By partnering with

employers to provide valuable benefits through the

workplace, employees gain access to the coverage

they need to help protect their income should the

unexpected occur. And as more employees gain this

coverage, research has shown that governments will

spend less on public assistance programs.

In short, we’re committed to meeting the needs of our

customers and helping all of us find ways to address

the very real challenge of providing a financial safety net

for employees and their families in today’s economic

and political environment.


Commitment

About 70%of

private sector employees lack long term disability coverage.

People need a financial safety net…More than 60 percent of American workers live

paycheck to paycheck and are ill-equipped to cope

financially if they miss work due to illness or injury.

Only one in 10 private sector workers in the U.K. has

a backup plan in the event illness or injury prevents

the employee from working.

These and other startling statistics point to a gap in

our financial safety net. Because many of us don’t

have the protection we need should the unfortunate

occur, we often look to the government to catch us when

we fall. But as pressure on public resources mounts,

government at all levels finds itself increasingly unable

to fund these public assistance programs adequately.

Preparing for the unexpectedIn many ways, the economic challenges of the past few

years have inspired new perspectives on what’s really

important. More and more, we’re asking ourselves

how the things in life that we cannot predict — such as

illness, injury or death — can impact our ability to take

care of our family, effectively manage our business or

take care of our responsibilities.

That’s why it’s critical for both employers and

individuals to make sound decisions today that prepare

us to meet tough times tomorrow. Employee benefits

are among the most essential elements of a sound

financial foundation. Rising health care costs and

continued economic pressure leave employers seeking

cost-effective, sustainable benefit plans that provide

their employees the right mix of financial protection

benefits such as disability, life, accident and critical

illness insurance. At the same time, employees need

access to affordable coverage that strengthens their

financial stability.

In short, finding a partner who can help both employers

and their workers gain access to the financial protection

benefits they need has never been more important.



…and Unum is ready to helpAt Unum, we have the tools people need to secure

their financial future. Across the markets we serve,

most consumers lack basic financial protection. The

workplace is the most effective avenue for access to

affordable coverage. The benefits we provide and

the work we do to make them broadly available

offer tremendous value to businesses as well as the

individuals they help protect.

Meeting the needs of individualsOur disability, life and voluntary insurance products help

people weather some of the most difficult experiences

of their lives, whether that means the loss of a loved

one, absence from work because of injury or illness or

managing the financial costs of accidents or medical

diagnoses.

• Our disability benefits pay a portion of a covered

individual’s salary while he or she is unable to

work due to an illness or injury.

• Our life insurance pays a benefit to a loved one

in the event someone passes away.

• Our voluntary insurance helps workers pay out-of-

pocket costs associated with accidents, hospital

stays, critical illnesses and cancer that even the

best major medical insurance won’t cover.

When people lose the ability to work or provide for their

families, employer-sponsored financial protection benefits

are often the only things that allow them to live without

relying on government provided benefits. Private benefits

are often used to help pay regular bills and living

expenses, assist with one-time or unexpected costs

or pay for funeral expenses. In fact, last year we paid

$6 billion in benefits to our customers, providing support

that protected the financial stability of millions of people.

Being a partner for businessesThe broad range of Unum’s product and service offerings

makes us a versatile and valuable benefits partner. We

are always seeking the best ways to offer coverage that

protects people and strengthens businesses.

• Our insurance products offer caring employers a

powerful way to ensure their workers have access

to the benefits they need.

• Through our leave management and other

HR-related services, we help businesses manage

the often complex processes of federal and state

leave regulations and other compliance issues.

• Our stay-at-work and return-to-work programs

help manage an employee’s successful transition

back into the workforce.

We take pride in our work as a valued source of expertise

and guidance for employers and their employees. By

acting as a reliable resource for those we serve at a

time when it can be tough to know which way to turn,

we play a crucial role in protecting the things that

matter most.

Only 1 in 10

private sector workers has a backup plan if injury or illness prevents the employee from working.


Commitment

Research that advocates changeAs a leader in employer-sponsored financial protection

benefits, Unum recognizes it has a responsibility to help

educate people on the importance of a financial safety

net and to encourage dialogue among private, public and

nonprofit sectors to ensure people are protected financially

in the event they cannot work. One of the ways we’ve

spurred dialogue is by sponsoring research about the

economic impact of employer-sponsored benefits.

Making workplace benefits more availableA recent study done in partnership with Charles River

Associates, a leading global research and consulting

firm, showed employer-sponsored benefits like disability

insurance can lessen the burden on public assistance

programs funded by taxpayers.

Income protection benefits provided through the U.S.

workplace can protect as many as 575,000 families a

year from impoverishment and save the government

up to $4.5 billion a year by reducing pressure on the

public safety net. These figures, and estimates for life

insurance that are even higher, point to the social welfare

gain for both consumers and the government if more

people had access to financial protection coverage,

especially at the lower- and middle-income levels.

Encouraging individual responsibilitySimilar research conducted by Charles River Associates in

the U.K., as well as by Demos, a respected British think

tank, showed that the British government could achieve

similar savings if more employees had access to group

income protection coverage. And it pointed out that

changes to the structure of the welfare system that would

encourage access to workplace benefits could have a

significantly positive impact on the economy.

A more recent study, conducted by the Institute for

Social and Economic Research at the University of Essex

and funded by Unum, identified the frequency people

leave work for injury-related reasons and the financial

consequences Britons face when they are forced to

withdraw from the labor market for health-related

reasons. The report found that 76 percent of those

who leave work for health-related reasons are still

unemployed 12 months later and 30 percent of those

who leave work due to illness or injury entered poverty.

“ The importance of financial protection

benefits is a critical public policy issue and

we want to be a part of that discussion.

It’s our goal to lead the discussion on

ways the private sector can work with

governments to make sure coverage

remains available and affordable for

working Britons and Americans.”

– Scott Maker, senior vice president of Government Affairs


Engaging public institutionsFinancial protection benefits play a critical role in society,

and access to these valuable benefits is the most

effective way to ensure those who need it most can

create a meaningful financial safety net for themselves.

That belief is the driving force behind our efforts to build

relationships with key policymakers in the U.S. and U.K.

In 2011, these attempts gained momentum as we

continued to lead the discussion about the value of

financial protection benefits.

Working with lawmakersIn the U.S., our leaders worked with U.S. Sens. Kay Hagan,

D-NC, and Olympia Snowe, R-Maine, to create the

first congressional caucus on income protection and

employee benefits. The Senate Income Protection

Benefits Caucus will help raise awareness about the high

risk of disability and reinforce the need for education

and discussion on income protection. It will also react

to related congressional proposals. We hope to have

the same impact by encouraging the formation of a

similar caucus in the House of Representatives.

Unum executives have also been called as expert

witnesses to appear before Congress and executive

and administrative agencies on the issue of financial

protection benefits, the cost of welfare programs and

how the public and private sectors can work together

on these issues in a more

meaningful way.

In the U.K., we continue to work to

create awareness within the government on

the importance of income protection and the value in

providing workplace access to these benefits for working

people and their families. Regular meetings with key

decision makers in Parliament give us the opportunity

to discuss additional taxpayer savings if more citizens

obtained private income protection coverage.

Partnering with other stakeholdersIn addition to working with lawmakers, Unum also

partners with key stakeholders in the U.S. who share the

company’s interest in making sure lower- and middle-

income working individuals are adequately protected

in the event of a disability. For example, we recently

partnered with the Consumer Federation of America

to conduct a joint survey on the issue of disability and

will work with the organization to promote solutions

based on the survey results.

Membership in trade associations such as the Financial

Services Roundtable, the American Council of Life Insurers

and America’s Health Insurance Plans also provide

opportunities for our voice to be heard.

CEO Tom Watjen speaks with

Sen. Tom Harkin, D-Iowa,

and stresses the importance

of income protection benefits

and the need for the private

insurance industry and the

government to work together

to expand coverage.


Difference Maker:Nicola Sisk Senior Account Manager

“ It wasn’t until my husband was faced with a potentially fatal bone marrow disease that I truly understood that Unum was such a special place. As an employee, the company and my coworkers gave me the flexibility I needed to be at my husband’s side during the long treatment process. And because I had critical illness coverage for myself and my husband, I experienced firsthand the caring claims process I’ve heard us talk about. It’s safe to say that we couldn’t have made it through as well without the support of my Unum family.”

– Nicola Sisk

Culture


A dynamic and transparent culture A commitment to serve — that’s what it means to

be a Unum employee. We’re a company that has

built its reputation on helping people through some

of the most difficult times of their lives. As a result,

we expect our employees to have a similar standard

of excellence and an understanding of the impact

they can have on someone else’s life.

Our success is the result of our 10,000 employees

throughout the U.S., U.K. and Ireland as they work

daily to meet the needs of our customers and make

a difference in the communities we call home. To help

make that possible, we’re committed to providing a

workplace where employees can grow personally

and professionally — where they can take good care

of our customers, as well as themselves. That’s why

we place a priority on health and wellness and

encourage our employees to continuously improve.

This emphasis on the whole person makes Unum a

rewarding place to work.

Our company is also dedicated to doing what is right.

We operate with integrity and an ever-present focus

on the customer, making balanced business decisions

that meet the highest standards of accountability. Our

employees are knowledgeable, caring and ethical.

They are a reflection of our values, and they’ve made

us who we are today.

Whether it’s our customers, coworkers or communities,

we are proud to be a company

that cares.


Portland 29%Chattanooga 26%Regional Offices 18%Columbia 10%

United Kingdom 9%Worcester 6%Glendale 1.5%Ireland 0.5%

Where we work


Pushing ourselves to be the bestAt Unum, our company and its reputation are only as

good as the employees who represent us. That’s why

we place a high value on our workers and give them

the tools they need to become the very best they can

be. The bar is set high, and our employees willingly

stretch themselves to achieve excellence.

We offer many programs designed to help employees

discover and develop their talents. In fact, each one of

our business areas has a dedicated training department

that develops curriculum and cultivates staff for key

positions within the business. Our employees enjoy

access to financial support to help pay for college

tuition, membership in associations that provide

specialized training and attendance at professional

seminars. In addition, we offer specialized programs

to develop aspiring leaders, new managers and

employees who want to expand their personal and

professional skills.

Recognizing successPart of encouraging our employees to be their best is

rewarding those who excel. Whether we showcase

employees’ efforts in a company newsletter or

recognize them through awards and advanced training

opportunities, we want them to feel truly valued for

their contributions.

With our Aspire flagship recognition program, we

applaud the good work of our top individual performers

by sending them to an annual development and training

event held at Walt Disney World in Florida. While there,

nominees learn about customer service from some of

the country’s foremost authorities, meet peers from

other offices and participate in a community service

project. And when they return, these employees teach

others what they’ve learned and how to create an

exciting work environment and better meet the needs

of our customers.

Culture

Unum employees logged a total of

452,253

learning hours.


Finding the right balanceWe know a career is just one part of a person’s life.

And helping employees achieve a balanced life

requires a holistic approach that focuses on the whole

person. That’s why we’ve created an environment at

Unum that helps employees balance the demands

of our high-performance culture with those of their

daily lives.

To take good care of others, people must also take

good care of themselves. We provide an extensive

number of programs and policies designed to enhance

a healthy work-life balance that include:

• Health benefits, such as medical coverage, free

flu shots, an around-the-clock nurse call line and

onsite health resource centers.

• Wellness benefits, such as onsite fitness facilities

and lactation rooms for nursing mothers.

• Work-life balance benefits, such as a free employee

assistance program, a generous paid time off

plan, alternative work arrangements and financial

assistance for adoption.

• Financial benefits, such as financial and retirement

planning services.

And for life’s more difficult moments, Unum provides

support in a number of ways. We offer time off for the

death of a loved one, legal and emotional support for

survivors, stress management assistance, and budgeting

and debt counseling for our employees.

The bottom line — we want employees to be at their

best when they come to work each day. That benefits

our employees, our company — and equally important —

our customers.



Culture

Maintaining good business practicesCorporate transparency and good governance are

principles we take very seriously.

Good governance begins with our board of directors,

which works through several standing committees

to engage management on a host of governance

issues, including executive compensation, regulatory

compliance and business practices.

Our Code of Conduct Our Code of Conduct guides our actions and decisions,

and more importantly, ensures we have a work

environment where ethics are front and center.

Our Code focuses on:

• How employees should conduct themselves with

each other and our customers;

• Following sound business practices that ensure

we comply with regulations and operate with

accountability; and

• Keeping medical and other private customer

information confidential and secure.

Supplier diversity We are committed to promoting fair business practices

through our procurement and supplier diversity

programs and seek to do business with those who

share our values of integrity, quality and efficiency.

We are also a corporate member of the National

Minority Development Council, and a member of

several regional councils. Our memberships allow us

to increase our exposure and subsequent spending

with minority- and women-owned businesses.

Ensuring compliance Unum is subject to national and state regulatory

oversight in the U.S. and U.K. To make sure we meet

these regulations and put our customers first, we have

built in a series of strong internal controls. In our U.S.

businesses, which are primarily regulated by each

state, we:

• Meet with regulatory agencies regularly

and respond promptly to any requests

for information;

• Review our product information to ensure

it accurately represents what we offer;

• Continually evaluate the effectiveness of our

compliance programs through compliance officers

and through regular reviews of businesses and

claims practices; and

• Work with trade associations and industry

groups to develop standards for regulation

of the insurance industry.

Unum was recently recognized by the Center for Political Accountability for leadership in political spending and disclosure and accountability practices. The Center was created in 2003 to bring transparency and accountability to corporate political spending.


In the U.K., we make sure our products and the

information describing them are designed and written

to meet customer needs. This is consistent with the

Treating Customers Fairly initiative of the Financial

Services Authority, which requires companies to adopt

policies and practices that clearly outline product

offerings and benefits for customers.

Managing risk We’re in the business of helping protect people

from the risks that illness and injury can pose to

their livelihoods. To do that effectively, however,

we must take the same approach to managing risk

effectively in our business — and managing risk is

every employee’s responsibility.

At Unum, risk management is second nature. While

day-to-day risk management efforts are led by our chief

risk officer and key leaders in our business, through a

number of committees and built-in business processes,

people from throughout Unum are engaged in:

• Managing insurance and operational risks within

each of our businesses;

• Reviewing the health of our investment portfolio

and making decisions consistent with the direction

of our company;

• Monitoring and planning how to best use our

capital to ensure we have the resources to

operate effectively and take advantage of

opportunities as they arise; and

• Indentifying other risks to our company.

In addition, our business continuity program prepares

Unum to continue operations when events such as

natural disasters, operational incidents, health crises

or terrorist attacks impact our normal business operations.

Regular exercises make sure that our reactions will be

timely and effective.

“ We rely on a strong risk

management culture. Our senior

management and board recognize

that risk management can only be

successful if it’s embedded in daily

decisions throughout the firm.”

– Mike Temple,

senior vice president, chief risk officer

To commemorate 25 years as

a publicly traded company on

the New York Stock Exchange,

CEO Tom Watjen and other

company leaders ring the NYSE

closing bell to end trading.


Difference Maker:Eamonn Lawler Programmer Analyst

“ Volunteering for these organizations becomes such an important part of your life. Once you’re in, you’re in forever. Seeing the good that they do for so many kids who need it, you just can’t back away from being part of that. Working here, if you need a hand there is always someone willing to help out, to give their time or donate supplies or money. Around the office, everybody does something to help these organizations, and they’re all very quiet about it.”

– Eamonn Lawler Lending Hands Volunteer of the Year Award in

Ireland, and Corporate Volunteer of the Year

Communities

Making a difference for communitiesFor more than 160 years, our commitment to help

others when they need it most has guided not only

our business practices but also our approach to giving

back. In fact, we believe our company and employees

play important roles in helping to make our communities

better places to live. Through our outreach programs,

hundreds of organizations and thousands of individuals

are helped each year by the donations we make and

the volunteer efforts of our employees.

In 2011, Unum contributed more than $12 million to

worthwhile causes throughout the United States and

United Kingdom through corporate and employee

giving, in-kind contributions and volunteer hours. Most

of these donations and volunteer activity focused on

four areas of emphasis — education, disability, health

and wellness, and arts and culture — that we believe

have a major impact on the vibrancy of our communities.

You’ll read about some of these projects on the next

few pages.

Whether it’s providing protection to more than

25 million people worldwide or lending a helping

hand to someone in need, Unum is a company of

people serving people. It’s how we make a difference

for our customers in our communities.



Communities

It’s a girl thingIn Worcester and Chattanooga, our employees help young

women learn the skills, tools and confidence to develop as

leaders and role models through a partnership between

Unum and Girls Inc.

A product of this collaboration has been the development

of Unum’s Girls Leadership Academy, a program in which

employees in Worcester mentor girls in grades 10 through 12 on

important life skills not learned in the classroom. The program

has seen tremendous success. “Unum’s leadership program has

been identified by Girls Inc. National as a best practice program for

achieving impact with high school girls,” said Girls Inc. of Worcester

CEO Deb Hopkins. “Efforts are now under way to replicate the model

in additional communities nationwide.”

In Chattanooga, funding from Unum gave girls from low-income households the

opportunity to attend educational camps, afterschool programs and Unum’s Road to

College and Success program at Brainerd High School. In addition, Unum IT employees hosted 28 girls for two

days of technology sessions. The girls, ages 6 to11, were exposed to technology in Unum’s computer lab and

got hands-on experience through educational games and websites.

“Statistics show there are fewer women being educated and employed in technology jobs,” said Beth Lyon,

a system manager for Unum. “These sessions expose girls to technology fields women are currently working in

today. It allows us to lay the groundwork that generates interest in computer science and spreads enthusiasm

for the work we do at Unum.”

Education builds strong communitiesEducation is the backbone of our society and the

foundation of the communities we call home. That’s

why we are committed to improving the educational

outlook of children and young adults in our hometowns

and beyond. From Glendale, California, to Dorking,

England, we believe the more opportunities students

have to learn, the more successful they’ll be at

becoming responsible and productive citizens.

Helping young adults realize their potentialUnum has been a longtime supporter of Jobs for Maine’s

Graduates (JMG), giving time and money to help students

in Maine discover their individual talents, develop

skills and seize opportunities to achieve their

personal potential.

In 2011, Unum employees served on JMG’s board of

directors, chaperoned the overnight Urban Adventure

held at Unum, and volunteered at the Career

Development Conference and several other events

throughout the year with JMG students, helping to

prepare them for a bright future.


The mentoring work of our employees in Portland goes

well beyond our partnership with JMG. Students from

Skillin Elementary and Memorial Middle schools visit

our campus each week to have lunch with employee

mentors, ensuring they have a positive adult role model

in their lives. Unum employees also make a difference

in the lives of students through the Portland Mentoring

Alliance. For 20 years, our employees have been matched

with high school students looking for college, career

and personal guidance.

Preparing assistant principals for top leadership rolesIn Chattanooga, our partnership with the Hamilton County

school system remains strong. Since 2008, Unum has

funded grants that support educational opportunities for

42,000 students at 78 schools. Unum also supports the

Principal Leadership Academy. The goal of the Academy

is to train prospective principals in the county school

system on how to be strong leaders and effectively

manage their schools. To date, 23 aspiring principals

and two first-year principals have participated in this

innovative program.

In addition to the monetary contribution, Kathy Owen,

Unum’s chief information officer, has served as a principal

mentor along with five of our other executive leaders.

By sharing many of the leadership traits we learn in the

business world, we believe we can help the leaders of

our local schools increase teacher effectiveness, manage

resources and provide a vision for their schools.

Sharing what we know Colonial Life is a long-time sponsor of South Carolina

Business Week, a program that lets students interact with

business leaders and student peers to learn more about

the business world and what it takes for a successful

career. In 2011, a Colonial Life gift gave seven students

the opportunity to participate in the program free of

charge. In addition to the corporate support, Bill Harmon,

assistant vice president of Underwriting for Colonial Life,

volunteered his time to spend a week with the students

as a company advisor. Harmon mentored the students

and helped them learn and come together as a team

to collaborate on real-world business situations similar

to what they may face upon entering the workforce.

Bringing the arts to lifeUnum has a rich history of supporting the arts in our

communities. We work with diverse organizations

that embrace the arts to bring creative and cultural

opportunities to children who wouldn’t otherwise have

access to them.

Bringing music to life for students For the past several years, Unum has supported the Youth

Concerts at the Portland Symphony Orchestra (PSO). Each

year, our corporate support gives more than 14,000

students ages 8 to 12 the opportunity to attend a concert

and hear a live symphony, often for the first time. The

students are introduced to diverse styles of music while

learning about the elements of orchestral music and

musical instruments. The PSO provides participating

schools with lesson plans and recordings, along with

post-concert feedback mechanisms.

Students from 40 school groups in the Chattanooga

area also have the opportunity to enjoy orchestral music

through a partnership between Unum the Chattanooga

Symphony and Opera (CSO). The partnership makes

it possible for the CSO to perform for students free of

charge. The concerts are designed to reinforce music

education through an inspiring and authentic live

performance experience.

Enhancing local attractionsColonial Life managers renovated a picnic area in

Columbia in partnership with the Riverbanks Zoo &

Gardens and The River Alliance. The project, which

included dismantling and removing worn tables and

installing new ones, provides school groups and

families with a place to picnic and enjoy the zoo or

Three Rivers Greenway.

Teaching the importance of art and cultureUnum has supported the Worcester Art Museum for many

years with its efforts in arts and culture education. In 2011,

Unum’s partnership with the museum gave students

from South High Community School access to a variety

of educational experiences. From traditional studio art

classes and creative writing courses to interdisciplinary

instruction and art history lectures, students who

typically wouldn’t have the opportunity to experience

the arts were exposed to it in hands-on, interactive

ways. The partnership also gave the students free

admission to see the museum’s world-renowned

35,000-piece collection.


Unum has a rich history of supporting arts in our communities to bring creative and cultural opportunities to children and adults who might not otherwise have access to them.

Communities

Helping people with disabilitiesAs the largest provider of disability insurance in the United States and United Kingdom, we know the effects living

with a disability can have on people of all ages. That’s why we’re committed to making sure people with disabilities

get the help they need to make life better.

Going the distance to support local respite careIn the United Kingdom, Unum employees raised more

than £35,000 (USD $56,000) for Vitalise, a national

charity providing respite care and other services for

people with disabilities and their caregivers.

The main fundraiser for the charity is a three-day, 164-mile

“Site2Site” running and walking relay event in which more

than 200 Unum employees participated. Our employees

were accompanied for part of the way by a team from

Vitalise during the event, which passes through each of

Unum UK’s three sites in Bristol, Basingstoke and Dorking.

“We’ve been overwhelmed by Unum’s support over the

past couple of years,” said Linda Duberley, director of

fundraising and communications for Vitalise. “Unum’s

staff have come up with some fantastic and inventive

ideas for fundraising events and thrown themselves

with gusto into fundraising for us. In return for their

efforts, we pledge that the money raised will go toward

our vital work supporting people with disabilities and

their caregivers in urgent need of respite.”

Training man’s best friend to assist people with disabilitiesIn Chattanooga and Worcester, employees have the

opportunity to train and socialize young dogs in an

office setting, preparing them to be obedient assistant

dogs in the future. The “Dog at Your Desk” program

supports the Goodwill Assistance Dog Academy in

Chattanooga and NEADS Dogs for Deaf and Disabled

Americans in Worcester. Employees keep the puppies

on a short lead while going about their daily workday

routine. Assistance dogs that successfully complete the

program graduate and are matched with a person with

a disability.


We’re committed to making sure people with disabilities get the help they need to make life better.


Caring for the well-being of our communitiesBy devoting volunteer support and resources to

initiatives that focus on the health and wellness of

individuals, Unum contributes to the broader well-being

of our communities. From fighting hunger to teaching

our employees CPR, we continue to make a difference

in the lives of others who could use a helping hand.

Making the basics available to allIn 2011, Unum employees once again showed their

compassion and willingness to give, answering the call

to donate food and money during a one-day, enterprise-

wide food drive. More than 41,000 pounds of food was

collected for local food banks and community kitchens

throughout the U.S., U.K. and Ireland. In addition,

employees and the company together donated more

than $40,000 to help these organizations provide food

for those less fortunate.

Elena Schmidt, director of development at Preble

Street in Portland, says the organization is doing well,

in no small part due to all the ways Unum employees

pitch in by volunteering, donating and holding food

drives. “I was amazed when I realized how many

departments at Unum are involved in some way with

the food drive,” said Elena. “We’re so grateful for such a

deep commitment to the welfare of our communities.”

In Portland, with funding provided by Unum, the Good

Shepherd Food Bank was able to expand its backpack

program to support four additional local elementary

schools during the 2011–2012 school year. The program

provides children who are suffering the effects of

chronic hunger with nutritious, easy-to-prepare food

to eat during weekends and school vacations when

those crucial school meals are unavailable.

Throughout the years, Unum volunteers have also

been a common sight at local food banks, soup

kitchens and pantries. Whether they are cooking and

serving food to homeless or low income individuals and

families or stocking shelves at local food pantries, our

employees contribute thousands of hours of time to

help others in need.

Helping others in the wake of devastating tornadoesFor residents in the Chattanooga area, April 27, 2011,

will be a date they won’t soon forget. More than 10

confirmed tornadoes hit the tri-state area, leaving

thousands without homes and causing billions of

dollars in damages.

Unum partnered with the American Red Cross, Salvation

Army and United Way to provide assistance to victims.

The company contributed $100,000 in financial aid,

and employees made more than 2,100 sack lunches

for people in the hardest-hit areas. In collection drives

across the company, employees donated money,

cleaning supplies, bottled water, food and baby care

items to help those in need. And many Chattanooga

employees volunteered with the American Red Cross,

Salvation Army, Chattanooga Area Food Bank and

other community and church organizations to provide

assistance to storm victims.


Communities


Minimizing our impact on the environmentWe are a company founded on commitment, whether

it’s to our customers, our investors, our employees or the

environment.

Our environmental stewardship reflects an underlying

dedication and responsibility we have to the places

where we live and work. We’re committed to mini-

mizing our impact on the environment because we

know the steps we take benefit the health and

well-being of everyone — whether that’s now or for

future generations.

Since 2008, our sustainable business practices have

reduced our water consumption by 18 percent and

our energy costs by 8 percent. And we’re continually

working to find new ways to improve our sustainability,

whether it’s through increasing energy efficiency in our

offices or implementing new recycling programs such as

the one in the U.K. that helps employees coordinate

recycling efforts across all our U.K. locations.

Another way the company emphasizes its green efforts

is through the members of the Green Team — a group

of more than 150 employees across the enterprise

who volunteer to lead sustainability efforts among

their coworkers.

Sustainable structures For more tangible evidence of Unum’s environmental

commitment, look no further than our offices and

parking decks.

Our main office building in Columbia became the first

Unum facility to receive ENERGY STAR certification,

signifying compliance with strict standards for energy

conservation and greenhouse gas emissions.

Two of our buildings — a tenant structure in New York

and a parking garage in Chattanooga — are currently

under consideration for Leadership in Energy and

Environmental Design certification. And when the Unum

building at CitySquare in Worcester is completed later

this year, the 200,000-square-foot structure will be

eligible for LEED silver and gold designations due to such

features as recycling stations, spaces to park bicycles,

ENERGY STAR appliances and motion sensors in offices

to conserve power.

Green purchasing We’re also committed to making purchasing decisions

with the environment in mind. We promote

environmentally conscious manufacturers in the U.S.

by using products that are recycled or can be reused

— without sacrificing quality, safety or effectiveness.

And our commitment to conservation doesn’t end

there. We’re developing a Global Corporate

Sustainability Plan to integrate our green goals

across businesses to make sure we’re always

working toward a more sustainable company.

We’ve been included in the Maplecroft Climate Innovation Indexes for our work in managing sustain-ability and carbon management.

In 2011, Unum was ranked 78 out of 500 U.S. companies in Newsweek’s annual green rankings, up more than 100 spots from 2010.

Since 2008, Unum has reduced its energy costs by 8 percent, saving the company almost $1 million.

We’re one of only five insurance companies named to the Dow Jones Sustainability North American Index.

Energy Reductions

Carbon Footprint

17%

EnergyReduction

14%

Water Consumption

18%


2011Awards and Recognition


150 Most Reputable Companies Forbes magazine

Newsweek Green Rankings Newsweek magazine

Best Places to Work in Insurance Business Insurance magazine

Consumer Equality Index Human Rights Campaign

Best Employers for Healthy Lifestyles National Business Group on Health

Best Places to Work in Maine Best Companies Group

Top Places to Work in Massachusetts The Boston Globe

Gold Status Unum UK Investors in People


All about Unum Colonial Life is one of the nation’s leading providers of voluntary worksite benefits —benefits for employees and their families that are sold through the workplace. Colonial Life’s market leadership has been built on establishing one-to-one relationships that educate employers and their employees on the benefits they have, as well as any benefits they may need to provide financial protection where they need it most.

Unum UK is a leading provider of income protection in the U.K. With only one in 10 workers covered against sickness or disability, the company is working to raise awareness among consumers of the need for a backup plan. Unum UK is creating new and different ways to give access to financial protection benefits to all workers, breaking down the barriers that have prevented broader coverage for so many years.

Unum US is the U.S. market leader in both group and individual disability insurance, as well as one of the largest providers of group life and voluntary benefits — products that play a crucial role in protecting the financial stability of millions of individuals and families.


Unum Group1 Fountain SquareChattanooga, TN 37402

www.unum.com

NT-1080 (5/2012)

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

This product is printed on paper whose fiber has been certified by an independent3rd party as coming from responsible fiber sources.

Documents

Difference Makers Our Work to Improve Lives and Communities · AMP 8007 Our Work to Improve Lives and Communities ... and governments all struggling to adapt. Most people have neither