AM Best affirms credit ratings of Unum Group and its major U.S. life and health insurance subsidiaries Page 1

AM Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Rating (Long-Term ICR) of “a+” (Excellent) for the members of Unum Insurance Group, the principal U.S. life/health insurance subsidiaries of the Unum Group (Unum) (headquartered in Chattanooga, TN). [NYSE: UNM]In addition, AM Best has affirmed Unum's Long-Term ICR of 'bbb+' (Good) and Long-Term IR. The outlook on these ratings is stable. (See below for a full listing of L/H subsidiaries and Long-Term IRs.)

The ratings reflect Unum's balance sheet strength, which AM Best considers to be strong, as well as the company's strong operating performance, favorable business profile and adequate risk management.