AM Best affirms credit ratings of Unum Group and its key U.S. life and healthcare subsidiaries Page 1

AM Dear AM Best, Inc. has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a+” (Excellent) for the members of Unum Insurance Group. These companies are the primary U.S. life/health (L/H) subsidiaries of Unum Group (Unum) (headquartered in Chattanooga, TN) (NYSE: UNM). Additionally, AM Best has affirmed the Long-Term ICR of “bbb+” (Good) and the Long-Term Issue Credit Ratings (Long-Term IR) for Unum. The outlooks for these ratings are stable. (See below for a full list of the L/H subsidiaries and the Long-Term IRs.)

The ratings reflect Unum’s strong balance sheet position, which AM Best assesses as strong, as well as its strong operating performance, favorable business profile and appropriate risk management.