Group policies are issued by:
Unum Life Insurance Company of America
2211 Congress Street
Portland, ME 04122

In NY, by:
First Unum Life Insurance Company
6th Floor
99 Park Avenue
New York, NY 10016

Individual policies are issued by:
Provident Life and Accident Insurance Company
1 Fountain Square
Chattanooga, TN 37402

In NY, by:
Provident Life and Casualty Insurance Company
1 Fountain Square
Chattanooga, TN 37402

First Unum Life Insurance Company
6th Floor
99 Park Avenue
New York, NY 10016

These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.

The expected benefit ratio for the individual disability policy is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when average with all people with this policy.