UNUMPROVIDENT CORPORATION TO PRESENT AT CITIGROUP
FINANCIAL SERVICES CONFERENCE;

FOURTH QUARTER 2005 EARNINGS RELEASE DATE RE-SCHEDULED TO ACCOMMODATE

CHATTANOOGA, Tenn. (Jan. 12, 2006) – UnumProvident Corporation (NYSE: UNM) announced today that it will present at the Citigroup Financial Services Conference on Wednesday, February 1, 2006. Thomas R. Watjen, president and chief executive officer and Joseph M. Zubretsky, senior executive vice president, finance, investments and corporate development, will represent UnumProvident and are scheduled to speak at 4:30 p.m. (Eastern). Mr. Watjen and Mr. Zubretsky will focus on UnumProvident’s fourth quarter 2005 results, general business strategy and future growth opportunities. Webcast information for this presentation will be available on the company’s website, www.unumprovident.com, prior to the conference.

The company also announced today that in order to accommodate its participation at this conference it has moved the schedule for its fourth quarter 2005 earnings announcement and conference call. The company will now release its fourth quarter 2005 results on Monday, January 30, 2006 at approximately 4:00 p.m. (eastern). UnumProvident Corporation senior management will host a conference call on Tuesday, January 31 at 10:00 a.m. (eastern) to discuss the results of operations for the fourth quarter and may include forward-looking information, such as guidance on future results or trends in operations, as well as other material information. The dial-in number is 800-818-5264 for U.S. and Canada. For International, the dial-in number is 913-981-4910. Alternatively, a live webcast of the call will be available at www.unumprovident.com in a listen-only mode. About fifteen minutes prior to the start of the call, you should access the “Investor and Shareholder Information” section of our website. A replay of the call will be available by telephone and on our website through February 7, 2006.

<4Q-2005 Earnings Conference Call
Tuesday, January 31 - 10:00 a.m. (eastern). Dial-in number 800-818-5264 for U.S. and Canada and 913-981-4910 for International. Webcast is live and can be accessed through our website, www.unumprovident.com.

Q-2005 Earnings Conference Call Replay
Available Tuesday, January 31 (2:00 p.m.) through February 7, 2006 (12:00 midnight) by phone or by visiting our website, www.unumprovident.com. Dial-in number 888-203-1112, passcode 6510443.

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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

A “safe harbor” is provided for “forward-looking statements” under the Private Securities Litigation Reform Act of 1995. Statements in this press release, which are not historical facts, are forward-looking statements that involve risks and uncertainties that could cause actual results to differ materially from those contained in the forward-looking statements. These risks and uncertainties include such general matters as general economic or business conditions; events or consequences relating to terrorism and acts of war; competitive factors, including pricing pressures; legislative, regulatory, or tax changes; and the interest rate environment. More specifically, they include fluctuations in insurance reserve liabilities, projected new sales and renewals, persistency rates, incidence and recovery rates, pricing and underwriting projections and experience, retained risks in reinsurance operations, availability and cost of reinsurance, level and results of litigation, rating agency actions, regulatory actions and investigations, negative media attention, the level of pension benefit costs and funding, investment results, including credit deterioration of investments, and effectiveness of product and customer support. For further information of risks and uncertainties that could affect actual results, see the sections entitled “Cautionary Statement Regarding Forward-Looking Statements” and “Risk Factors” in the Company’s Form 10-K for the fiscal year ended December 31, 2004 and subsequently filed Form 10-Qs. The forward-looking statements are being made as of the date of this press release and the Company expressly disclaims any obligation to update any forward-looking statement contained herein.