A.M. Best Affirms Ratings of Unum Group and Its Core U.S. Subsidiaries - Seite 3

The ICR of “bbb” has been affirmed with a stable outlook for Unum Group.

The following debt ratings have been affirmed with a stable outlook:

Unum Group—
-- “bbb” on $350 million 7.125% senior unsecured notes, due 2016
-- “bbb” on $200 million 7.00% senior unsecured notes, due 2018
-- “bbb” on $400 million 5.625% senior unsecured notes, due 2020
-- “bbb” on $250 million 6.75% senior unsecured notes, due 2028
-- “bbb” on $200 million 7.25% senior unsecured notes, due 2028
-- “bbb” on $250 million 7.375% senior unsecured notes, due 2032
-- “bbb” on $250 million 5.75% senior unsecured notes, due 2042
-- “bbb” on $350 million 4.00% senior unsecured notes, due 2024

UnumProvident Finance Company plc—
-- “bbb” on $400 million 6.85% senior unsecured debentures, due 2015

Provident Financing Trust I—
-- “bb+” on $300 million 7.405% capital securities, due 2038

The following indicative debt ratings under the shelf registration have been affirmed with a stable outlook:

Unum Group—
-- “bbb” on senior unsecured
-- “bbb-” on subordinated
-- “bb+” on preferred stock

UnumProvident Financing Trust II and III—
-- “bb+” on preferred securities

The methodology used in determining these ratings is Best’s Credit Rating Methodology, which provides a comprehensive explanation of A.M. Best’s rating process and contains the different rating criteria employed in the rating process. Best’s Credit Rating Methodology can be found at www.ambest.com/ratings/methodology.

Key insurance criteria reports utilized:

• Analyzing Insurance Holding Company Liquidity
• A.M. Best’s Liquidity Model for U.S. Life Insurers
• A.M. Best's Perspective on Operating Leverage
• Equity Credit For Hybrid Securities
• Insurance Holding Company and Debt Ratings
• Rating Members of Insurance Groups
• Risk Management and the Rating Process for Insurance Companies
• Understanding BCAR for U.S. and Canadian Life/Health Insurers

This press release relates to rating(s) that have been published on A.M. Best's website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please visit A.M. Best’s Ratings & Criteria Center.