1. work with the leader 1 in voluntary
inSuranCe to deliver exCeptional va l u e
and s e r v i c e to your employeeS.
let the numBers speak for themselves.
x2
Claims Administrative cost
$500
we pay
$400
$300
$200
$100
as much in claims as we do
in administrative costs.
$0
aflac allstate colonial american unum 2
fidelity
Be sure the policies you provide your employees
deliver the most value for their premiums.
american
af lac3 allstate5 Colonial unum10
Fidelity 8
cla i m s p r o c e s s i n g 4 days4 10 days6 10 days7 7-10 days9 not available
sat i s fa c t i o n w i t h pr o d u c t s 83% 70% 66% 74% 69%
eas e o f do i n g B u s i n e s s 81% 68% 70% 76% 72%
eas e o f e n r o l l m e n t 81% 75% 73% 70% 72%
cla i m s sat i s fa c t i o n 80% 66% 61% 65% 64%
1
Sources available upon request. 6
Allstate claims will be processed in less than ten business days (if all claim forms
2
Unum herein means Provident Life and Accident Insurance Company which are completed accurately and no additional information is required).
underwrites accident and health insurance under the Unum brand. 7
Colonial’s goal is to process 90 percent of claims in less than or equal to ten days.
3
Aflac herein means American Family Life Assurance Company of Columbus. 8
American Fidelity herein means American Fidelity Assurance Company.
4
Aflac processes most claims in an average of four days. 9
American Fidelity claims will be processed in seven to ten business days.
5
Allstate herein means American Heritage Life Insurance Company. 10
Unum herein includes all companies under the Unum brand.
M1721
AflacforBusiness.com 8/10

2. — SourCeS —
all inFormation provided pertainS to aCCident and health inSuranCe only.
administrative cost/claims formula: Annual Statement for the year December 31, 2008, of the
Cost of Claims = Average Premium Size x Loss Ratio American Fidelity Insurance Company (60410); Exhibit
Administrative Cost = Average Premium Size x (1 – Loss Ratio) of Number of Policies, Contracts, Certificates, Income
Payable, and Account Values in Force for Supplementary
average premium siZe: Contracts, Annuities, and Accident & Health, and Other
Annual Statement for the year December 31, 2008, of Policies
American Family Life Assurance Company of Columbus
(60380); Exhibit of Number of Policies, Contracts, loss ratio:
Certificates, Income Payable, and Account Values in Force A.M. Best Insurance Reports – Life Health, U.S. 2009
For Supplementary Contracts, Annuities, and Accident & Edition (2008 Annual Data, Version 2009.3):
Health, and Other Policies American Family Life Assurance Company of Columbus
American Heritage Life Insurance Company
Annual Statement for the year December 31, 2008, of the Colonial Life & Accident Insurance Company
American Heritage Life Insurance Company. (60534; Exhibit Provident Life and Accident Insurance Company
of Number of Policies, Contracts, Certificates, Income American Fidelity Assurance Company
Payable, and Account Values in Force for Supplementary
Contracts, Annuities, and Accident & Health, and Other claims processing speed:
Policies aflac.com
ahlcorp.com
Annual Statement for the year December 31, 2008, of Colonial Life Service Goal Report Card, 3rd Quarter 2009
the Colonial Life & Accident Insurance Company. (62049); afaadvantage.com
Exhibit of Number of Policies, Contracts, Certificates, Unum claims processing speed is not publicly published.
Income Payable, and Account Values in Force for
Supplementary Contracts, Annuities, and Accident & product satisfaction, claims satisfaction, ease of
Health, and Other Policies doing Business, and ease of enrollment:
Competitor Loyalty 2009, Rockhopper Research.
Annual Statement for the year December 31, 2008, of the Rockhopper Research is an independent marketing
Provident Life & Accident Insurance Company. (68195); research firm that conducted an online competitor loyalty
Exhibit of Number of Policies, Contracts, Certificates, survey with benefit administrators at U.S. companies.
Income Payable, and Account Values in Force for
Supplementary Contracts, Annuities, and Accident &
Health, and Other Policies