This document summarizes Colonial Life's benefits solutions and services. Colonial Life offers benefits administration, enrollment, and communication services to help businesses expand their employee benefit offerings and simplify benefits administration in a cost effective manner. They provide personalized benefits counseling and statements to educate employees on their options and allow for quick, efficient enrollment.

1. Benefit Solutions
That Count
. . .to expand your employee
benefit offerings and
save costs.
. . .to conduct your benefit
enrollments quickly and
efficiently.
. . .to simplify your benefits
administration.
coloniallife.com
coloniallife.com

2. Fast facts
about Colonial Life
l Headquartered in Columbia, SC.
l Founded in 1939.
Industry leader
l 1,100 employees.
Named #1 worksite
marketing/voluntary
l Approximately 8,000-member
independent contractor sales
benefits company by
organization nationwide. members of the National
l 5,900 active Colonial Life-contracted
Association of Health
brokers. Underwriters (NAHU) –
l Offers a broad portfolio of personal insurance
March 2010
products including disability, accident, life, cancer,
critical illness and hospital confinement indemnity.
l Continues to be a leader in benefits communication
and education, enrollment and customer service, while providing
personal insurance products to employees and their families through the workplace.
l Operates in 49 states and the District of Columbia. In New York, similar products and
services, if approved, are underwritten by a Colonial Life affiliate, The Paul Revere Life
Insurance Company.
l Serves more than 65,000 businesses and organizations.1
l Approximately 2.9 million policies in force.1
l Is a stand-alone subsidiary of Unum Group, a Fortune 500 company and a market
leader in disability, critical illness, life, long-term care and voluntary benefits.
l Received “Readers’ Choice Awards” for the carrier that works best with brokers, best
enrollment, best at embracing new technology and best consumer-driven products.2
1 Colonial Life & Accident Insurance Company corporate records as of year-end 2009
2 Benefits Selling Magazine 2006 -2010

3. Only through
Colonial Life
can you find these benefit solutions all
together in one place. Colonial Life is a
single-source provider of:
Benefits counseling
to help each employee
understand and appreciate
benefits available at work.
Enrollment options
that save time and money.
Insurance products
tailored to personal needs.
We can help you design a flexible employee benefits package that fits the needs of
your business as well as your employees. This enables you to build a more loyal and
satisfied workforce and, ultimately, a stronger business.
We come to your worksite and spend 1-to-1 time with each employee to provide
simple, straightforward advice about the benefits they have — and those they may
need to fit their individual lifestyles and budgets.
And we do it all at no direct cost to you.
Your business matters — to you and to us.
Making benefits count for your business. . .
that’s Colonial Life.

4. Benefits communication
& education
Health care reform. Changing regulations. Benefit gaps. Knowledge
gaps. You and your employees will always need help with benefit programs.
You could be the only business in town with a benefits counseling and
enrollment team at your disposal!
Pre-enrollment
We engage employees to get them thinking
about their benefit needs and options.
Enrollment
We educate each employee on all of his or her
benefit options and provide each with a
personalized benefits statement.
Post enrollment
Using surveys and report cards, we provide you
with honest employee feedback about our
benefits counselors and the 1-to-1 session.
Our custom benefits communication materials can help your employees
better understand their benefits.
l Announcement letters and fliers
l Brochures
l E-mail campaigns
l PowerPoint presentations
l Spanish materials
Our ability to provide consistent, clear communication through 1-to-1
meetings with employees helps ensure they understand the benefits
available to them.
Employees have the chance to confidentially review their current benefits,
consider new options, and most importantly, see how their choices will
affect their paycheck.

5. Benefit statements
provide a detailed overview of the benefits you contribute to or provide, so employees
can see the true value of their benefits package. It’s their “hidden paycheck,” so to speak.
They’ll also see the dollar amounts that count toward additional benefits such as
vacation days, parking passes or a paid uniform program.
TOTAL COMPENSATION STATEMENT
William Moore
123 Main Street
Anytown, SC 29210
BENEFIT STATEMENT Friday, March 05, 2010
Annual Cost
Benefit Employee Employer
Deduction Contribution
Medical Insurance $1,485.00 $8,413,44
Dental Insurance $660.00 $180.00
401(k) $2,802.50 $2,802.50
Term Life $0.00 $21.00
Parking Allowance $0.00 $240.00
Uniform Allowance $0.00 $200.00
Wellness Plan $0.00 $251.00
Social Security $3,326.86 $3,326.86
Medicare $778.06 $778.06
Total Cost $9,052.42 $16,212.86
Annual Income $56,050.00
Total Compensation $72,262.86
Your employer contributes an additional 28.93% of your annual income toward your benefits, which results in your total compensation
of $72,262.88
Other Compensation
You also receive these other benefits, not tallied in your total contribution above.
Vacation - 15 Days Paid Vacation $0.00 $3,233.55
Holidays - 8 Paid Holidays $0.00 $1,724.56
Sick Leave - 10 Days Paid Sick Leave $0.00 $2,155.70
Additional Value $7,113.81

6. Personal salary illustrations
outline the employees’ benefit elections and how each affects their paycheck,
so there are no surprises later on when the first deductions are made.
Paycheck Illustration 1234
Jarvis Auto Parts 3/5/2010
Pay to the order of William Moore
O ID $703.83
V
Seven Hundred Three and 83/100 ***
ACME BANK, INC.
Memo Employee Pay Signed President & CEO
PAYCHECK TOTALS PAYCHECK ESTIMATOR
Earnings and Deductions Amount
Gross Pay/Pay Period $1,077.88
Spending Savings Accounts (Click to collapse)
$0.00
Deferred Compensation (Click to collapse)
401 (k) (Enrolled) $64.67
$64.67
Pre-Tax Benefit Cost (Click to collapse)
Medical Insurance (Enrolled) $28.56
Dental Insurance (Enrolled) $12.69
Colonial Life Cancer (Saved Quote) $4.73 APPLY NOW
William Moore
$45.98
Taxable Income $967.23
Total Taxes (Click to expand) $256.34
Post-Tax Benefit Cost (Click to collapse)
Colonial Life Short Term Disability (Saved $7.06 APPLY NOW
William Moore
$7.06
Net Pay $703.83
+ Spending Accounts $0.00
After Reimbursement $703.83
Savings from Pre-Taxing
Pay Period Savings $34.51
Annual Savings $1,794.52

7. Election forms
provide a detailed accounting of each employee’s elections and contributions.
It’s a final clarification of the benefit elections and the costs involved.
Jarvis Auto Parts | 21010 Enrollment
Enrollment Dates: 1/1/2010 - 12/31/2010
Home Phone: 217-555-3875
Work Phone:
Gender: Male
Employee ID:
Birth Date: 9/18/1984
William Moore Date of Hire: 7/31/2006
123 Main Street Classification: Full Time
Anytown, SC 29210 Location: Richmond
Paychecks per Year: 26
Department: Marketing
First Deduction Date: ____________________
NEW ELECTION FORM Friday, March 05, 2010
New or Deduction Deduction
Benefit ID Benefit Name/Option
Existing Employee Employer
BCBS Medical Insurance
Anthem Blue Cross & Blue Shield (Family) New $57.12 $323.59
Insureds: Pre-Tax
William Moore (Employee)
Janice Moore (Wife)
DOB: 9/12/1970 Sex: Female
Robert Moore (Son)
DOB: 9/12/2002 Sex: Male
DELT Dental Insurance
Delta Dental (Family) New $25.38 $6.92
Insureds: Pre-Tax
William Moore (Employee)
Janice Moore (Wife)
DOB: 9/12/1970 Sex: Female
Robert Moore (Son)
DOB: 9/12/2002 Sex: Male
Decline-VI
Vision Insurance
S
Decline Coverage
PO6 401(k)
6% New $129.35 $107.79
Beneficiaries: Pre-Tax
Janice Moore (Wife) (Primary 100%)
DOB: 9/12/1970 Sex: Female
XHFSA Health Care FSA
Decline Health FSA
CLA-Pre Colonial Life Cancer *
Colonial Life (William Moore) New $9.46 $0.00
Employee Cancer Coverage Pre-Tax
CLA-Post Colonial Life Short Term Disability *
Colonial Life (William Moore) New $14.12 $0.00
Off Job Accident and Off Job Sickness Disability ($1,200.00 Post-Tax
per Month)
(Colonial Life Pre-Tax $9.46) Pre-Tax Subtotal $221.31
(Colonial Life Post-Tax $14.12) Post-Tax Subtotal $14.12
(Colonial Life Total $23.58 Grand Total $235.43 $438.30
(26 deductions per year)

8. Count on Colonial Life to make your
enrollment easy,
streamlined and efficient.
When planning and conducting each enrollment, we serve as the benefit
counselors for your employees and provide straightforward advice to help
them understand and appreciate their benefits. And, we work with you to
determine which of our enrollment options will best meet your business
needs.
1-to-1 counseling sessions offer the most employee engagement
and best opportunity for decision-making support. To help educate
and counsel your employees on their benefit needs, we come to your
worksite and spend 1-to-1 time with each employee.
Call Center enrollments provide another 1-to-1 option in cases
where employees work in the field, are constantly mobile or are in
secured locations. Employees can simply call our toll-free number and
a Call Center benefits counselor will educate them about the benefits
available, answer their questions and lead them through the enrollment
process.
Co-browsing is the same as a 1-to-1 enrollment but conducted over
the Internet with a Colonial Life benefits counselor.
Self-enrollment and group meetings offer options that are
available to access employees who work remotely or are not able to
meet with a benefits counselor. Our pre-enrollment communications
can introduce employees to our simple web-based enrollment system
and the steps they need to follow.

9. All powered by Harmony®
Whichever option is best for your business, the web-based technology that powers all
of our enrollments is our simple-to-use Harmony® enrollment system, which features
online and offline capabilities. With Harmony®, you get a system that offers:
= Data security
= Consistent communications
= Integrated underwriting
= Flexibility
= Accurate post enrollment data
= Daily enrollment reporting
= Online administrative functions

10. Build a personal benefits
program
Colonial Life’s personal insurance products and services can help you:
l Realize tax savings for you and your employees.
l Communicate the value of your benefits package to retain
employees and reduce turnover.
l Fill in gaps in existing benefits coverage.
Medical Wages
Medical
Income
Hospital Confinement
Retirement Protection Indemnity Insurance
Accident Insurance
Income Protection
Required Survivor Disability Insurance
Benefits Benefits
Catastrophic Illness
Catastrophic
Illness Cancer Insurance
Critical Illness Insurance
Survivor Benefits
Life Insurance

11. Colonial Life and
health care reform
With new government regulations and market reforms, employers must still
manage health care costs while employees must still pay deductibles, co-pays
and other out-of-pocket costs.
We can help you find the answers.
l Colonial Life’s products, which are offered in addition to qualified health
insurance, will not be affected by health care reform.
l Voluntary insurance coverage will still be a very relevant part of employee
benefits.
l The need for benefits communication and education will be greater
than ever.
We can offer you solutions to help employees pay for what their qualified
health insurance doesn’t and to stay competitive in attracting and
retaining workers.
Employers also can enjoy tax savings and
provide tax savings for their employees
by pre-taxing through Section 125.
Core benefits
l Group major medical
l Group life
l 401(k)
By packaging core benefit offerings with
l Vacation/sick leave
our personal insurance products, you can
enhance your benefits program and help
employees fill the gaps in their coverage.
They can apply and pay for the protection
they feel they need the most.

12. Enhanced benefits
and tax savings
Colonial Life can assist you in putting into place a
Flexible Benefits Plan to help ensure you are in
compliance with Section 125 provisions
and regulations, while reducing
taxes for both you and Wages
your employees.
Medical
l Reduce payroll taxes. Wages
l Increase employees’
Income
spendable income. Retirement Protection
Required Survivor
Benefits Benefits
Catastrophic
Illness
Without Flex With Flex
Gross Pay $1,000.00 $1,000.00
Pre-Taxed Reduction
- $0.00 - $180.00
(Major Medical)
Taxable Amount $1,000.00 $820.00
FICA, Federal Tax and
- $152.51 - $110.33
State Tax
Post-Tax Deduction
- $180.00 - $0.00
(Major Medical)
Spendable Income $607.49 $709.67
Savings Per Pay Period $42.18
Total Annual Savings $1,012.32
*Based on 24 pay periods
*Based on 2010 South Carolina Tax Tables

13. With a Flexible Spending Account, employees have the
flexibility to add pre-tax dollars to reimbursement accounts
and help with the cost of qualified expenses.
Dependent Care Reimbursement Accounts let employees pre-tax
out-of-pocket expenses for dependent care that allow employees and/or
their spouses to work, such as day care expenses, after-school care
expenses for children under age 13, and care for a dependent adult
incapable of self-care.
Medical Reimbursement Accounts let employees pre-tax out-of-pocket
expenses not covered by health insurance plans. This is a great way to
help your employees cope with the higher deductibles and co-payments
in today’s medical insurance plans. Examples include dental, vision, health
plan co-pays, prescription drug co-pays and even some qualified over-the-
counter medications.
Without With
Dependent Care Dependent Care
Reimbursement Reimbursement
Account Account
Gross Pay $1,000.00 $1,000.00
Pre-Tax Dependent
- $0.00 - $150.00
Care Reduction
Taxable Income $1,000.00 $850.00
FICA, Federal
- $176.71 - $139.74
& State Taxes
Net Pay - $823.29 - $710.26
Dependent Care
- $150.00 - $0.00
Expense
Spendable Income $673.29 $710.26
*Based on 24 pay periods
*Based on 2010 South Carolina Tax Tables

14. Easy, time-saving
administrative services
The ColonialConnect for Plan Administrators Website SM
l Designed exclusively for our account plan administrators
l Easy and saves time by allowing you to:
View and pay your bill online
Conduct billing transactions
Update employee information
Download claim and service forms
E-mail key account service areas
And much, much more at no cost to you

15. Through an arrangement with CCH (Commerce Clearing House)
Inc., we offer you access to CCH’s HRAnswersNow website.
l Gives you a direct link to valuable human resource policies
and guidelines.
l Includes state and federal laws and regulations.
l Explained in everyday language.

16. Employer benefit statement
When choosing a carrier, it’s about more than just the products. Colonial Life is looking to be a
valued partner. That’s why we will provide a whole host of employer services, saving you time
and money.
Colonial Life
Service Offerings
Benefits Communication & Education l
Section 125-Premium Only Administration l
Personal Salary Illustrations l
Employee Benefit Statements l
Employee Election Forms l
Electronic Billing and Reconciliation Services l
CCH HRAnswersNow l
Policyholder Self-Service Website l
Section 125-Full Flex Discount Rates l
Benefit Booklets l
Core Product Enrollment and Carrier Feeds l
First Year Annual Savings Comparison (USD)
$16,567
$14,926
$13,286
$11,645
25% 50% 75% 100%
Percentage of Employees Seen
This is a representation of the potential benefits an employer with 325 employees might expect when
partnering with Colonial Life, however it is only an estimate and for illustrative purposes only. A signed
enrollment agreement and other prerequisites may be required before some of the services listed here
can be provided.

17. Personal insurance products
and superior services
You can count on Colonial Life as a long-term partner to
help you:
l Keep your benefit costs down.
l Fill gaps in your benefit programs.
l Enhance employee appreciation of what you do for them.
l Realize tax savings.
l Consider new options.
Help protect your Gather
employees in 3 easy steps: your
information.
Schedule
group and
1-to-1
meetings.
Count on
Colonial Life
to do
the rest.

18. Long-term relationships
Technology is critical in today’s business world,
but the true definition of service lies within
people.
Our customer service team provides fast, hassle-free and reliable service – for
you and your employees. Bilingual service specialists are also available for our
Spanish-speaking customers.
We provide you with service centers and automated, toll-free customer service
phone lines around the clock that are dedicated to Colonial Life plan administrators.
Our flexible services — including fax, phone, e-mail and online submissions — help
lessen your administrative responsibilities.
Our accessible, professional and caring customer service teams understand the needs of
employers and employees alike and treat both with the courtesy and knowledge they
expect.
Colonial Life is helping you make benefits
count with services like these —
at no direct cost to you.
Colonial Life pioneered
worksite marketing
in 1955 … and our first
customer is still with
us today.

19. Important
service numbers
Dedicated Toll-Free Plan Administrator Service Center
1.800.256.7004
Monday through Friday, 8 a.m.-7 p.m., Eastern Time
Plan Administrator Fax
1.803.213.5005
24 hours a day, 365 days a year.
ColonialConnect for Plan AdministratorsSM Website:
coloniallife.com
The ColonialConnect site is your access to our E-Services. Join this website,
designed exclusively to support our plan administrators, to:
l Utilize your E-Services
l E-mail questions
l Access the CCH HRAnswersNow website
Active Colonial Life accounts can join the site simply by completing an
electronic form, accessible through our website at coloniallife.com.
Just go to the “Customer Support” link, then “Account Services.”

20. Colonial Life
1200 Colonial Life Boulevard
Columbia, South Carolina 29210 Colonial Life products are underwritten by Colonial Life & Accident
coloniallife.com Insurance Company, for which Colonial Life is the marketing brand.
11/10 59665-9