1

Employees expect being insured

Unum Insight survey results.

January 29th, 2020

2

We Love. We Care.

3

Unum Group, with 170 years of experience on the market, is a leading provider

of financial protection in the United states and United Kingdom. In its offer,

Unum has life, permanent disability, accident, and dread disease insurance.

Pool Agreement

Unum USColonial Life US

Unum UK

Unum Poland

International Group Program

Unum Globally

4

1848 10,000 36M USD 7.2B

Unum has been on the market for more than

170 years

The company employs highly qualified

professionals in the USA and in Europe

Company has operations in the United States, United Kingdom and

Poland

In 2018, the Company paid USD 7.2B in benefits

and claims

Establishment Professional service # CustomersClaims and benefits

paid

Source: https://www.unum.com/about

Unum Factsheet

5

1998 450 12 cities PLN 93,1 M

Unum Poland

Establishment Professional service Country presenceClaims and benefits

paid

Source: Unum Życie, Q4, 2019 financials. Statutory statement.

The Company has operated in life insurance

business for 22 years. Today we offer both

individual and group programs.

The company employs ambitious, committed, unique professionals

We have agencies in 12 major cities in Poland

In 2018, the Company paid PLN 93,1M in benefits and claims

Since 2009, Unum Foundation has supported children and teenagers in education, health promotion, and CSR activities among students, workforce, their families and friends.

6

Awards & RecognitionAwards & Recognition

7

For 97% of respondents,

life insurance offer provided

by the employer is important

or very important.

Source: Polish market survey ‘Unum Insight: Enrollment has been conducted by IPSOS Sp. z o.o. based on a questionnaire developed by Unum Życie TUiR SA. Interviews were held in December 2019 Polish market survey ‘Unum Insight: Poles and Americans on Personal Finance’ has been conducted by IPSOS Sp. z o.o. based on a questionnaire developed by Pramerica Życie TUiR S.A. and Prudential Financial, Inc. Interviews were held in January and February 2017

Unum Insight – Insurance products offered by employers

34%

54%

54%

60%

37%

51%

43%

43%

37%

53%

15%

3%

3%

3%

10%

0% 20% 40% 60% 80% 100%

Pension plan

Accident insurance

Disability Insurance

Life Insurance

Additional medical insurance

Very important

Rather important

Unimportant

How important is it for you to have following employee benefits offered by the employer?

46% Life

insurance

19% Accidentaldeath and dismembe

rment

18% Health

insurance

18% Retirement

plan

9%

Long-term disability

5%

Group life insurancecombined with

investment options

8

Source: Polish market survey ‘Unum Insight: Enrollment has been conducted by IPSOS Sp. z o.o. based on a questionnaire developed by Unum Życie TUiR SA. Interviews were held in December 2019

Unum Insight - Who pays group life insurance premiums?

46% - the employee

31% - the employee and the employer

18% - the employer

9Source:

Polish market survey ‘Unum Insight: Enrollment has been conducted by IPSOS Sp. z o.o. based on

a questionnaire developed by Unum Życie TUiR SA. Interviews were held in December 2019

Unum Insight – Interest in supplemental insurance products

65% - death & dismemberment

64% - long-term disability

60% - hospitalization

60% - critical illness

60% - cancer

60% - cardiovascular disease

10

Additional insurance products

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Preferred method of finding out about employee benefit offerings

Source: Polish market survey ‘Unum Insight: Enrollment has been conducted by IPSOS Sp. z o.o. based on a questionnaire developed by Unum Życie TUiR SA. Interviews were held in December 2019

Web applications & e-mail contact

Individual talk

Printed materials

Group meeting with insurance agent

Phone conversation with insurance agent

Video conference

None of the above 24%

4%

15%

22%

25%

35%

51%

Unum Insight survey results

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https://gb-dev.unum.pl/GB/Enrollment/NjUxNvEwMzY3NTI

Use the link or QR

code that you have

received from your

Employer

Registration to the Enrollment application

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Tab Documents contains:

GTC, leaflet, forms.

Tab Enrollment Form

includes the Enrollment

Form to be completed,

divided into 4 steps:

1. data of the Insured

2. data of beneficiaries

3. insurance options

4. statements

Enrollment application – Enrollment form and documents

14

Home page of the Customer Portal

https://gb.unum.pl

Customer Portal

On the left side is thePop-up Menu

that allows you to: Download the

CertificateChange data

Submit a claim.

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Source: Polish market survey ‘Unum Insight: Enrollment has been conducted by IPSOS Sp. z o.o. based on a questionnaire developed by UnumŻycie TUiR SA. Interviews were held in December 2019

Unum Insight – Attractiveness of additional employee benefits

Healthcare benefit plan

Extra paid vacation

Career development opportunities

Healthy free food at work

Flexible working hours/home office

Gym/fitness vouchers/coupons

Shows & events tickets

Child care

Commuter benefits

Financial planning benefits

Workplace counselling

Dog-friendly workplace

Retirement plans

Corporate volunteer programs

43%

32%

26%

21%

20%

19%

16%

14%

13%

10%

9%

9%

8%

4%

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We Love. We Care.