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Elixia 123 - Personal Critical Illness Cover

“Sorry for being so blunt...”

But, for most of us, good health is something we take for granted. The risk of losing it is something we’d rather not think about.

It’s difficult to put a value on good health. But think about it, just for a moment. Think through the consequences of a major illness – like a heart attack, cancer or a severe stroke – or even a permanent disability after a serious road accident, for example. It could mean a whole new way of life, not just for you, but your family, and possibly your business partners, too. You might never work again.

Fact

• 250,000 people are living with the disabilities caused by stroke. (The Stroke Association, 2008)
• Every 2 minutes someone has a heart attack. (British Heart Foundation, 2008)

Unless stated otherwise, all statistics relate to the UK and are not age related.

“But it’s amazing what doctors can do these days”

True. Advances in medical science mean that you are more likely than ever to survive many of the serious illnesses that would almost certainlyhave been fatal only a generation ago. Some conditions are treatable, and although some may not yet be curable, you can now expect tosurvive and live longer than ever before. However, this very success can create a new dilemma - the cost of survival.

Fact

• In a typical year there are:
  – 30,000 coronary artery bypass operations
  – Over 2,000 kidney transplants
  – Around 250 heart, heart/lung, lung only transplants
  (UK Transplant Support Service Authority, 2008 British Heart Foundation, 2008)

The cost of survival.

Survival does not necessarily mean a full and immediate recovery. If you had a heart attack, a stroke, or cancer, for example, wouldyou be able to go back to work? Would financial circumstances force you back to work before you are really fit enough to cope? Would you be left with a long-term disability that could mean never being able to work again? Would you live as long?

Think about it. How would you cope?

Fact

• It is estimated 40,000 people in Britain are living with spinal cord injury. (Spinal Injury Association, 2006)
• Around 85,000 people in the UK suffer from Multiple Sclerosis. (The MS Society, 2008)

You couldn't claim on your life insurance policies, but if you had the money, you'd probably want to take care of your immediate financial worries - your mortgage, outstanding bills, medical expenses, or to replace lost income. You might like to be able to fulfil some of your lifetime ambitions. Or you could use the money to make life more comfortable, and to live as full a life as possible.

It could happen to you. But Unum, one of the world's leading health insurers, brings you an innovative, highly flexible, and costeffective solution.

Elixia 123, a Critical Illness Cover plan from Unum, cannot prevent your illness or disability, but it can solve someof the financial problems that will inevitably occur. It provides you with choices. By providing money for you to use in whatever way you decide.

“So think about it...deal with it...then forget about it...Why take a chance?”

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What is Critical Illness Cover?

Critical illness cover is not to be confused with life insurance - which pays out only when you die.

Critical illness cover pays out a cash lump sum if, within the period you have chosen, you are diagnosed with any one of a list of specified medical conditions or undergo one of the listed surgical procedures - the 'critical illness events'.

What's so different about Elixia 123?

Traditional critical illness plans normally pay out a fixed amount regardless of which of the critical illnesses was the cause of the claim.

This can mean paying for more cover than you would really need if you were to suffer one of the relatively less severe conditions.

However, Elixia 123 is the first plan of its kind to let you choose different amounts of cover to match the level of financial supportyou would be likely to need, depending on the seriousness of your condition.

This approach is more cost effective than most traditional plans because you're not paying for cover you don't really need.

The events are divided into three categories:

• Category 1 - Life Threatening - Conditions that we believe may significantly reducelife expectancy and probably result in majorlifestyle changes.
• Category 2 - Disabling - Conditions that we believe may have a significantimpact on lifestyle and may have some impacton life expectancy.
• Category 3 - Traumatic - Conditions that we believe are traumatic and, althoughnot expected to significantly reduce life expectancy,may possibly result in changes to your lifestyle.

What's more, you can change the amounts of cover you have in each category as your circumstances change. The costs and the terms applying to future increases in cover would be those applying at the time of the increase.

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The 'Pre-Packaged' Benefit Profiles.

What events are covered?

The complete list of conditions coveredby Elixia 123 is summarised below.

Profile A.

Select this Profile if you want the full amount paid out whichever event occurs.

Category 1 - 100%

• Cancer - invasive and life threatening
• Chronic emphysema
• CJD
• Heart attack - major
• Kidney failure - requiring dialysis*
• Liver failure
• Major organ transplant*
• Stroke - severe
• Terminal illness

Category 2 - 100%

• Alzheimer's disease - resulting in permanent symptoms
• Blindness - permanent and irreversible*
• Deafness - permanent and irreversible*
• HIV infection - caught from a blood transfusion, a physical assault or at work in an eligible occupation*
• Loss of independent existence
• Loss of hand or feet - permanent physical severance*
• Loss of speech - permanent and irreversible*
• Motor neurone disease - resulting in permanent symptoms*
• Multiple sclerosis - with persisting symptoms*
• Paraplegia/Paralysis of limbs - total and irreversible*
• Parkinson's disease - resulting in permanent symptoms*
• Pre-senile dementia
• Third degree burns - covering 20% of the body's surface area*

Category 3 - 100%

• Aorta graft surgery - for disease*
• Angioplasty
• Balloon valvuloplasty
• Benign brain tumour - resulting in permanent symptoms*
• Cancer - excluding less advanced cases
• Coma - resulting in permanent symptoms
• Coronary artery bypass grafts - with surgery to divide the breastbone*
• Heart attack of specified severity*
• Heart valve replacement or repair - with surgery to divide the breastbone*
• Mastectomy following diagnosis of carcinoma in situ of the breast
• Open heart surgery
• Traumatic head injury - resulting in permanent symptoms*
• Stroke - resulting in permanent symptoms*
• Total permanent disability before age 60 - based on the inability to follow your own occupation or if you have no full-time occupation, to follow certain daily activities

We will pay out the full £100,000 you are diagnosed with a critical illness event in any of the three categories. Once payment has been made the plan will end.

Please note that certain occupations are not covered for 'total permanent disability'. As an alternative, or if you have no full-time occupation, we may be able to provide cover based on your inability to do a certain number of activities related to work or daily life. If your occupation is affected we will tell you.

Profile B.

Select this Profile if you want maximum cover for Category 1, but only a minimum level of cover for Categories 2 and 3.

Category 1 - 100%

• Cancer - invasive and life threatening
• Chronic emphysema
• CJD
• Heart attack - major
• Kidney failure - requiring dialysis*
• Liver failure
• Major organ transplant*
• Stroke - severe
• Terminal illness

Category 2 - 10%

• Alzheimer's disease - resulting in permanent symptoms
• Blindness - permanent and irreversible*
• Deafness - permanent and irreversible*
• HIV infection - caught from a blood transfusion, a physical assault or at work in an eligible occupation*
• Loss of independent existence
• Loss of hand or feet - permanent physical severance*
• Loss of speech - permanent and irreversible*
• Motor neurone disease - resulting in permanent symptoms*
• Multiple sclerosis - with persisting symptoms*
• Paraplegia/Paralysis of limbs - total and irreversible*
• Parkinson's disease - resulting in permanent symptoms*
• Pre-senile dementia
• Third degree burns - covering 20% of the body's surface area*

Category 3 - 10%

• Aorta graft surgery - for disease*
• Angioplasty
• Balloon valvuloplasty
• Benign brain tumour - resulting in permanent symptoms*
• Cancer - excluding less advanced cases
• Coma - resulting in permanent symptoms
• Coronary artery bypass grafts - with surgery to divide the breastbone*
• Heart attack of specified severity*
• Heart valve replacement or repair - with surgery to divide the breastbone*
• Mastectomy following diagnosis of carcinoma in situ of the breast
• Open heart surgery
• Traumatic head injury - resulting in permanent symptoms*
• Stroke - resulting in permanent symptoms*
• Total permanent disability before age 60 - based on the inability to follow your own occupation or if you have no full-time occupation, to follow certain daily activities

We will pay out the full £100,000 if you suffer any Category 1 event.

If you suffer a condition in Category 2 or 3 (before suffering any event in Category 1), we will pay £10,000 from the maximum benefit.

The amounts payable in future in each category are reduced by the amount paid out, leaving zero in Categories 2 and 3, and £90,000 in Category 1.

Premiums are significantly lower than Profile A, providing maximum cover for the most life threatening conditions, but also giving you thereassurance of at least a basic level of cover for Categories 2 and 3.

Profile C.

Select this Profile if you want maximum cover under Category 1, but smaller amounts for Categories 2 and 3.

Category 1 - 100%

• Cancer - invasive and life threatening
• Chronic emphysema
• CJD
• Heart attack - major
• Kidney failure - requiring dialysis*
• Liver failure
• Major organ transplant*
• Stroke - severe
• Terminal illness

Category 2 - 50%

• Alzheimer's disease - resulting in permanent symptoms
• Blindness - permanent and irreversible*
• Deafness - permanent and irreversible*
• HIV infection - caught from a blood transfusion, a physical assault or at work in an eligible occupation*
• Loss of independent existence
• Loss of hand or feet - permanent physical severance*
• Loss of speech - permanent and irreversible*
• Motor neurone disease - resulting in permanent symptoms*
• Multiple sclerosis - with persisting symptoms*
• Paraplegia/Paralysis of limbs - total and irreversible*
• Parkinson's disease - resulting in permanent symptoms*
• Pre-senile dementia
• Third degree burns - covering 20% of the body's surface area*

Category 3 - 25%

• Aorta graft surgery - for disease*
• Angioplasty
• Balloon valvuloplasty
• Benign brain tumour - resulting in permanent symptoms*
• Cancer - excluding less advanced cases
• Coma - resulting in permanent symptoms
• Coronary artery bypass grafts - with surgery to divide the breastbone*
• Heart attack of specified severity*
• Heart valve replacement or repair - with surgery to divide the breastbone*
• Mastectomy following diagnosis of carcinoma in situ of the breast
• Open heart surgery
• Traumatic head injury - resulting in permanent symptoms*
• Stroke - resulting in permanent symptoms*
• Total permanent disability before age 60 - based on the inability to follow your own occupation or if you have no full-time occupation, to follow certain daily activities

We will pay out the full £100,000 if you suffer an event in Category 1 and you haven't claimed before. The plan would then end.

On the other hand, if you had an illness in Category 3 first we would pay out £25,000. The amount payable for the other two categories is reduced by the £25,000 already paid out, leaving £25,000 under Category 2, and £75,000 under Category 1.

If you later suffered an event under Category 2 we would pay out the £25,000 remaining for this category, leaving the balance of £50,000 to be paid in the event of an illness in Category 1.

Profile D.

Select this Profile if your biggest concern is a long-term severe disability, and you want a large capital sum to support you overseveral years.

Category 1 - 25%

• Cancer - invasive and life threatening
• Chronic emphysema
• CJD
• Heart attack - major
• Kidney failure - requiring dialysis*
• Liver failure
• Major organ transplant*
• Stroke - severe
• Terminal illness

Category 2 - 100%

• Alzheimer's disease - resulting in permanent symptoms
• Blindness - permanent and irreversible*
• Deafness - permanent and irreversible*
• HIV infection - caught from a blood transfusion,a physical assault or at work in an eligible occupation*
• Loss of independent existence
• Loss of hand or feet - permanent physical severance*
• Loss of speech - permanent and irreversible*
• Motor neurone disease - resulting in permanent symptoms*
• Multiple sclerosis - with persisting symptoms*
• Paraplegia/Paralysis of limbs - total and irreversible*
• Parkinson's disease - resulting in permanent symptoms*
• Pre-senile dementia
• Third degree burns - covering 20% of the body's surface area*

Category 3 - 10%

• Aorta graft surgery - for disease*
• Angioplasty
• Balloon valvuloplasty
• Benign brain tumour - resulting in permanent symptoms*
• Cancer - excluding less advanced cases
• Coma - resulting in permanent symptoms
• Coronary artery bypass grafts - with surgery to divide the breastbone*
• Heart attack of specified severity*
• Heart valve replacement or repair - with surgery to divide the breastbone*
• Mastectomy following diagnosis of carcinoma in situ of the breast
• Open heart surgery
• Traumatic head injury - resulting in permanent symptoms*
• Stroke - resulting in permanent symptoms*
• Total permanent disability before age 60 - based on the inability to follow your own occupation or if you have no full-time occupation, to follow certain daily activities

This provides a maximum payout for a Category 2 event. If a Category 2 event happened first, we would pay out the full £100,000 and the plan would come to an end.

Alternatively, if a Category 1 event happened first, we would pay out £25,000 of the overall maximum benefit. Cover for each remaining category continues but is reduced by the amount paid out. This means cover under Category 2 would reduce to £75,000 and Category 3 to zero.

If a Category 3 event happened first, we would pay out £10,000 from the overall maximum benefit amount, leaving £15,000 under Category 1 and £90,000 under Category 2.

Important.

Please remember that the heading of each critical illness event is only a guide to what is covered. For example, some types of cancer are not covered.

Some medical conditions are covered in more than one category. A different definition is used in each category to distinguish betweenthe different level of severity required for payment to be made.

You will find full definitions in the plan's terms and conditions.

*The Association of British Insurers (the ABI) has produced a model definition for many of the critical illness events - these were reviewed and updated in 2006. Where an ABI model definition exists, Elixia 123 matches, or provides wider cover than, the ABI's definition.

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How does it work?

It is important to understand that Elixia 123 provides a single overall maximum benefit amount. You decide what proportion of this amount is paid out under each category of critical illness event. Each claim you make is treated as a 'drawdown' from the maximum benefit amount. The examples in the diagram overleaf help to illustrate how this works.

• Category 1 - After the operation and during my recovery, I wouldn't be earning a living. Hopefully, I would get back to work eventually, but how would I pay the bills until then?
• Category 2 - I was faced with a lifetime of disability, on-going medical care and rehabilitation. Our lives would never be the same. We couldn't afford a full-time carer. How on earth would we cope?
• Category 3 - The good news was - I had survived! The bad news was that I would probably not be back at work for a long time - maybe not at all. How was I going to support my family?

The plan provides a cash lump sum against which you can claim, depending on which event occurs. You can, if you wish, have the whole amount of benefit paid out whichever critical illness event occurs.

Alternatively, you can choose to have a percentage of the benefit paid out under each of the three categories. Then, depending on which of the events you suffer - and in which category the event falls - the relevant percentage of the maximum benefit is paid out.

Once you have made a claim, that sum of money is deducted from the maximum benefit and cannot be claimed again. The cover for each category is reduced by the amount paid out.

The remainder of the benefit (if any) would be paid out if you then suffered an event in one of the other categories. This might well happen, for example, if you were to suffer a relatively mild heart attack (covered by Category 3) followed by a much more serious one covered in Category 1. Of course, if you were to suffer the more serious event first, the maximum benefit would be paid out in one go.

Once you have claimed the maximum benefit, your plan will end.

If your claim meets the definition of a condition in more than one category, the plan will only provide one payment in respect of this condition (the payment being based on the higher amount applicable).

You can choose your own combination of benefit as long as the Category 3 benefit is not bigger than the benefit for Category 1.

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Optional Benefits.

You can also add some further features to your plan which are briefly described below.

Protection against the effects of inflation.

You can ask us to increase your cover each year automatically in line with the change in the Retail Prices Index (RPI) regardless of your state of health at the time. Your premium would go up each year to pay for the additional cover. No medical evidence is required at the time of each increase.

Before each increase takes place, we will tell you what the new premium will be. You can, of course, decline the increase, but if you turn it down two years running, we won't offer it to you again unless you provide us with evidence that you are still in good health.

These automatic increases will stop when you claim for one of the critical illness events.

Reducing cover in line with your outstanding mortgage.

If you choose this option, cover will reduce each year roughly in line with the amount you would owe on a typical 'repayment' mortgage. You will pay the same premium each year (provided we do not change our premium rates for these plans in line with our claims costs and expenses - see Will my premiums increase at some point?.

Guaranteed option to increase your cover later on.

You also have the option to buy further cover at specific times - when you marry, have children, increase your mortgage, or because your share in a business has increased in value - without having to provide us with evidence that you are still in good health. You can increase your existing cover under this option up to age 55. This option is no longer available after you make a claim, or if you are aware that you already have a medical condition that could give rise to a claim under the plan. You must take up the option within 3 months of the event.

The sum of all the increases under this option for any reason must not be more than £150,000 or the original amount of cover, whichever is lower.

You can find the rules which apply to this option in the plan's terms and conditions.

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Questions and Answers.

Can I increase my cover at any other time?

Yes, you can ask us to increase your maximum benefit, or to change the amounts under each of the individual categories, at any time. You would need to tell us about any change in your occupation or leisure activities, and provide us with satisfactory evidence that you are still in good health.

Are my children covered by the plan?

We automatically cover each of your children if, in the future, they are diagnosed with any of the critical illness events except 'Total Permanent Disability' and 'Loss of Independent Existence'.

The plan would pay out up to 25% of the benefit applicable to you, but no more than a total of £25,000 per child. This amount would not be deducted from your cover. If both parents have a plan, the maximum that can be claimed in total would be £50,000 per child.

Your children (including step children and legally adopted children) are covered while they are aged between 30 days and 18 years. Children who are born after the plan starts would also be covered once they are 30 days old.

Please note, however, that we will not cover conditions that existed from birth, or if symptoms began before the start of the plan.

Fact

• The chances of contracting cancer before the age of 65 can be as high as 1 in 12 for a woman and 1 in 15 for a man. (Munich Re, 2005)

Is there a discount for non-smokers?

Yes, statistics show that nonsmokers are less likely to suffer a critical illness. We reflect the lower risk for non-smokers byoffering generous premium discounts. You qualify for the discount if you have not smoked or used any tobacco products in any other way in the last 12 months and do not intend to do so.

Will my premiums increase at some point?

We will work out the premium for your Plan based on assumptions about certain factors which we believe are reasonable. We will review these factors and, if our view of these factors differs from the view we took of them at the start of the plan or at the last review, we may change your premium based on that information. However we guarantee not to change your premiums for at least the first 5 years of your Plan unless you change the cover.

The factors that we take into consideration for Plans of this type are:

• our experience or expectation of claims;
• our experience or expectation of investment returns;
• our experience or expectation of expenses;
• our experience or expectation of the amount of time Plans of this type remain in force;
• changes to the taxation, legislation or regulations applicable to the plan;
• changes to the cost of reinsurance;

We will write to you beforehand to tell you of any change. There is no limit by which your premium might change, but any such change will be applied in a fair and reasonable way to all the people who hold a reviewable Plan of this type, not only you.

If your cover increases at any time, the premium will go up to pay for it based on your age and other factors at the time.

The benefits under this plan do not depend on investment performance.

What happens if I stop paying?

For yearly premiums we allow 30 days for late payment, but apart from this, if premiums are not paid on time, the plan will lapse and your cover will end.

There is no cash-in value at any time and you will not get any of your money back.

What happens if I am ill and cannot pay my premiums?

Sometimes, an illness or injury can stop you working or seriously disrupt your life, but doesn't qualify for a claim under any of the critical illness events. If you select the optional 'Waiver of Premium' benefit, and are incapacitated for 6 months or more, Unum will pay the premiums on your behalf from the seventh month of your incapacity onwards, keeping your cover in force while you remain incapacitated. Payments would continue to be waived until your claim is no longer valid or until your plan ends.

What happens if I change my occupation?

You do not have to tell us if your occupation changes (unless you are asking us to increase your cover).

If your claim depends on the ability to follow your own occupation, we will base our decision on the occupation you were following at the time of your disability, provided you have been doing it for at least the previous 12 months. Otherwise, we will use the occupation you gave us at the time you applied for cover.

Am I covered world-wide?

The Plan is only available to UK residents. But you are covered if in the future you decide to live, work or travel anywhere in the world. As is the case when residing in the United Kingdom, benefit will be paid only if you provide us with the information we need to assess your claim in a form which is acceptable to us.

The cost of any medical examination and any tests (including blood tests and saliva tests) that we may ask for which are carried out outside the UK will be paid for by us at the rates reasonably expected to be paid for the same medical examination or test in the UK. We will not be liable for any costs you incur in attending medical examinations and any tests or in supplying any other information.

I don't understand medical terms. Who will explain them to me?

We provide a 'plain English' guide to the definitions of the critical illnesses and surgical procedures we cover. We strongly recommend that you read this guide carefully, particularly as it helps to explain the differences between the Category 1 and Category 3 versions of the same event, and the independently verifiable medical tests that determine this important distinction. A copy of the guide accompanies thisbrochure. (Please ask for a copy if you've not been given one.)

How do I find out what's not covered?

We want you to fully understand the cover we provide. That's why certain definitions are worded to help clarify not only what is covered, but also what isn't. For example, to avoid any misunderstanding it may be necessary to distinguish between different stages of an illness or to specify tests that help us measure the level of disability.

Similarly, some medical terms are used to describe a very wide range of conditions, some of which are not covered. For example, not all cancers are covered by critical illness policies. Many cancers are extremely serious, are potentially life threatening and, if not treatedearly, become virtually incurable. However, some are not normally life threatening, are easily treated, and are usually cured successfully. This type of cancer is not what critical illness cover plans are designed to cover, so, in common with other companies' products, certaintypes of relatively minor cancer are not covered.

What would stop the plan from paying out?

We will not pay a claim if:

• the condition you suffer is not a critical illness event as defined in the plan
• you die within 14 days of the critical illness event
• the claim arises from a cause which is specifically excluded in the definition of the event
• the cause of your claim arises directly or indirectly from infection with AIDS or HIV (unless it's specifically covered in the plan)
• your premiums are not up to date
• the event occurs after the plan has ended
• you do not give us the information we ask for, or you provide false, incomplete or misleading information either at the start of your plan, when you increase your cover, or when you make a claim
• you do not tell us about your claim within 3 months of the critical illness event happening (or within 9 months of the start of a disability under 'Waiver of Premium' benefit).
• (for children's cover only) the claim is due to a condition the child was born with, or if symptoms began before the start of the plan.

Do I get any money back at the end?

No. The plan pays out only if you are diagnosed with a critical illness event during the period you choose at the start. It hasno cash-in value at any time. The low cost of the plan takes this into account.

Will I have to go for a medical examination?

This is not usually necessary, unless you apply for a relatively high amount of cover. We ask about your health and family history in the application form and we may contact your doctor for further details. If we need you to attend a medical examination, we will pay the doctor's fee.

What happens if I die?

This plan does not provide any payment on death. You must survive the critical illness event by at least 14 days to qualify for payment.

What is Unum's approach to genetic testing?

You must tell us if you have a family history of any medical condition, including any genetically inherited condition.

However, you do not need to tell us about any genetic test result you have had.

You may like to tell us about a genetic test you have had that shows you are not at risk of developing a particular disease that may run in your family.

How do I apply?

We recommend you discuss your personal requirements with your independent financial adviser before completing an application form. We will provide a personalised illustration of the costs and benefits of the plan to suit you.

How do I claim?

You can obtain a claim form directly from us or through your financial adviser. If you need any help in completing the claim form ask your financial adviser or us.

As soon as we have the necessary proof of your diagnosis or evidence that the surgery has been carried out, we can consider your claim. However, the process of gathering the evidence can sometimes take a long time, particularly if we need to establish that your condition is permanent.

To help us deal quickly with any claim, and because time limits apply, you should tell us as soon as you become aware that you are suffering a condition that might lead to a claim being made - even if you are not sure whether you will qualify for payment or not. The earlier you tell us, the sooner we will be able to make our enquiries and tell you whether your claim is likely to be successful or not.

You should always notify us within 3 months of the critical illness event and, for Waiver of Premium, within 9 months of the start of your incapacity. We do not normally cover claims if you tell us later than this, and will consider them only at our discretion.

What about tax?

Under present UK tax law and HM Revenue and Customs practice there is no liability to income tax or capital gains tax on the plan benefits. However, tax regulations and the way they are interpreted, can change in ways that cannot be foreseen.

The tax rules can be different if the plan is used to protect your business or if you do not live in the UK.

Fact

• There are 6,790 people on the waiting list for a kidney transplant – and the number is rising. (UK Transplant Support Service Authority, 2008)
  
  (Please note that the policy covers kidney transplant under the “Kidney Failure” definition)

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ABI Statement of Best Practice.

The Association of British Insurers (the ABI) is the trade association for insurance companies in the United Kingdom. Its membersaccount for virtually all of the life insurance and pensions business written in the UK.

Where indicated the wordings in respect of the critical illness events conform to the ABI Statement of Best Practice in respect of critical illness products. You can get a copy of the ABI Guide to Critical Illness Cover from the Association of British Insurers, 51 GreshamStreet, London, EC2V 2HD. Telephone: 020 7600 3333.

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Terms and conditions.

This brochure provides only a summary of the Elixia 123 plan. It doesn't fully describe all the terms of the contract. If you'd like a copy of the full terms and conditions before you take out the plan, please ask your financial adviser or contact us direct.

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Our regulator.

Unum Limited, trading as Unum is authorised and regulated by the Financial Services Authority. Our firm reference number (FRN) is: 110408 You can verify these details by contacting the Financial Services Authority on: 0845 606 1234or visit http://www.fsa.gov.uk/register

Law.

The law of England and Walesgoverns this plan.

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How to contact us.

Remember your financial adviser will normally be your first point of contact. We are not permitted to give you financial advice.

If you have any questions at any time, you can phone, send a fax, email, or you can write to us.

Call us on:
0117 910 7733
Monday - Friday
8am - 6pm

Textphone:
01306 887784
Monday - Friday
8am - 6pm

Fax number:
0117 910 7734
Monday - Friday

Write to us at:
Unum
PO Box 7733
Redcliffe Way
Bristol
BS99 1PJ

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Why Unum?

Unum has been a leading player in the development of group critical illness cover since the concept was first introduced in the UK. Building on this experience we have pioneered a revolutionary new approach to personal critical illness cover.

Unum is also the UK’s leading provider of income protection insurance, with over 35 years of experience.

Our income protection customers benefit from our expertise in the specialist areas of disability, rehabilitation and return-to-work. We enable individuals to protect their incomes, ensuring their financial security if they are unable to work because of illness or injury.

At the end of 2007, Unum protected in excess of 1.7 million lives. During 2007 we paid total benefit claims of £273 million – of which more than £190 million related to income protection claims.

Our US parent company, Unum Group, traces its history back to 1848 and is one of the leading providers of employee benefits products and services, and the largest provider of group and individual disability income protection insurance in the United States. Premium income for Unum Group and its subsidiaries exceeded $7.9 billion in the year ended 31 December 2007, with reported revenues for the group exceeding $10.5 billion. Total assets were $52.4 billion at 31 December 2007.

For more information visit http://www.unum.co.uk

Unum Limited is authorised and regulated by the Financial Services Authority.
Registered in England 983768.

Registered office:
Milton Court, Dorking, Surrey RH4 3LZ.
Tel: 01306 887766
Fax: 01306 881394
Textphone: 01306 887784

We monitor telephone conversations and e-mail communications from time to time for the purposes of training and in the interests of continually improving the quality of service we provide.

Copyright ©Unum Limited 2008

UP459 01/2009

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