Market Conduct Compliance

The Company is committed to serving its customers with the highest standards of business ethics and in compliance with all applicable laws and regulations. Unum’s Market Conduct Compliance Manual is intended to promote ethical conduct and compliance with market conduct principles during the sale and service of the Company's offerings. This Manual applies to all licensed insurance personnel who have a contract with or are appointed with a Unum insurance company, as well as all enrollment firms or enrollers who solicit Unum’s products or services.

The Manual sets forth key market conduct compliance issues facing the Company and provides standards for all Brokers and Enrollers to follow in addition to responsibilities set forth in Broker or Enroller contracts, documents of understanding or procedure manuals.