UNUMPROVIDENT CORPORATION TO PRESENT AT
FRIEDMAN BILLINGS RAMSEY CONFERENCE

CHATTANOOGA, Tenn. (Nov. 21, 2005) – UnumProvident Corporation (NYSE: UNM) announced today that it will present at the Friedman Billings Ramsey 2005 Investor Conference on Nov. 29, 2005. Joseph Zubretsky, senior executive vice president, finance, investment and corporate development, will represent UnumProvident and is scheduled to speak at 4:25 p.m. (Eastern).

There will also be a live audio webcast of the presentation at http://www.wsw.com/webcast/fbr13/unm. This webcast will be archived for 90 days.

During UnumProvident’s presentation, Mr. Zubretsky will focus on UnumProvident’s third quarter 2005 results, general business strategy and future growth opportunities.

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About UnumProvident
UnumProvident (UNM) is the largest provider of group and individual disability income protection insurance in the United States and United Kingdom. Through its subsidiaries, UnumProvident Corporation insures more than 25 million people and paid $5.9 billion in total benefits to customers in 2004. With primary offices in Chattanooga, Tenn., and Portland, Maine, the company employs nearly 12,000 people worldwide. For more information, visit www.unumprovident.com.