ANNUAL BROKER COMPENSATION DISCLOSURE STATEMENTunuffr
Annual Broker Compensation Disclosure Statement
May 9, 2021
Policyholder/Employer Name: CITY OF CLEARWATER
Policy/ID Number: 000000097477
Your insurance or benefits advisor can offer you advice and guidance as you select the policy and provider most
appropriate for your needs. At Unum we recognize the important role these professionals play in the sale of our
products and services and offer them a variety of compensation programs. Your advisor can provide you with
information about these programs as well as those available from other providers. We support disclosure of
broker compensation so that customers can make an informed buying decision.
Brokers may be eligible to receive Base Commissions as well as Supplemental Commissions from Unum.
Unless you have agreed in writing to compensate the broker differently, Unum provides Base Commissions to
all brokers in connection with the sale of an insurance policy. Base Commissions are a fixed percentage of the
policy premium, and may include a one time, first year, flat amount for each policy sold. Base Commissions are
paid by Unum to the broker(s) on your policy. In some circumstances, broker(s) may be eligible to receive
commissions on your policy even after a broker of record change has occurred.
A broker may also qualify for Supplemental Commissions paid by Unum. For group insurance products,
Supplemental Commissions may be paid as a fixed percentage of total eligible group insurance premiums. The
Supplemental Commission rate depends on the total dollar amount of all eligible premiums or number of group
policies that the broker had in force with Unum in the prior calendar year. The Supplemental Commission rate
may range from 0% to 13.80% of total premium paid.
Your broker may also be eligible to receive Supplemental Commissions on other insurance products, which
may be calculated differently. The premium you pay is not impacted by whether or not your broker receives
Supplemental Commissions.
For the calendar year 2021, the broker(s) named below is scheduled to receive the following compensation, as
a percentage of total eligible group premiums, including any group insurance premiums paid by you in
connection with the above referenced policy. The information provided below is accurate as of the date of this
statement. Should any changes occur after the date of this statement, those changes will be reflected in your
next annual broker compensation disclosure statement.
Base Supplemental
Broker Name Commission Commission
New Sales Renewal'
Gehring Group YES 2.00% 0.75%
If you would like additional information about the range of compensation programs our company offers for your
group insurance policy or any other Unum insurance product or if you want to speak to us directly about broker
compensation, please call 1 -800 -ASK -UNUM (1-800-275-8686).
Unum is providing this notice on behaff of the folbwing insuring companies: Unum Life Insurance Company of
America, Unum Insurance Company, First Unum Life Insurance Company, Provident Life and Accident
Insurance Company, Provident Life and Casualty Insurance Company, The Paul Revere Life Insurance
Company and Starmount Life Insurance Company.
'The applicable Supplemental Commission Renewal percentage(s) could be less than what is shown, based
on eligible Group premium and products.
Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
1014 -09 -ANNUAL (01/2020)
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• • •
unum�
Annual Broker Compensation Disclosure Statement
May 9, 2021
Policyholder/Employer Name: CITY OF CLEARWATER
Policy/ID Number: 000000097478
Your insurance or benefits advisor can offer you advice and guidance as you select the policy and provider most
appropriate for your needs. At Unum we recognize the important role these professionals play in the sale of our
products and services and offer them a variety of compensation programs. Your advisor can provide you with
information about these programs as well as those available from other providers. We support disclosure of
broker compensation so that customers can make an informed buying decision.
Brokers may be eligible to receive Base Commissions as well as Supplemental Commissions from Unum.
Unless you have agreed in writing to compensate the broker differently, Unum provides Base Commissions to
all brokers in connection with the sale of an insurance policy. Base Commissions are a fixed percentage of the
policy premium, and may include a one time, first year, flat amount for each policy sold. Base Commissions are
paid by Unum to the broker(s) on your policy. In some circumstances, broker(s) may be eligible to receive
commissions on your policy even after a broker of record change has occurred.
A broker may also qualify for Supplemental Commissions paid by Unum. For group insurance products,
Supplemental Commissions may be paid as a fixed percentage of total eligible group insurance premiums. The
Supplemental Commission rate depends on the total dollar amount of all eligible premiums or number of group
policies that the broker had in force with Unum in the prior calendar year. The Supplemental Commission rate
may range from 0% to 13.80% of total premium paid.
Your broker may also be eligible to receive Supplemental Commissions on other insurance products, which
may be calculated differently. The premium you pay is not impacted by whether or not your broker receives
Supplemental Commissions.
For the calendar year 2021, the broker(s) named below is scheduled to receive the following compensation, as
a percentage of total eligible group premiums, including any group insurance premiums paid by you in
connection with the above referenced policy. The information provided below is accurate as of the date of this
statement. Should any changes occur after the date of this statement, those changes will be reflected in your
next annual broker compensation disclosure statement.
Base Supplemental
Broker Name Commission Commission
New Sales Renewal'
Gehring Group YES 2.00% 0.75%
If you would like additional information about the range of compensation programs our company offers for your
group insurance policy or any other Unum insurance product or if you want to speak to us directly about broker
compensation, please call 1 -800 -ASK -UNUM (1-800-275-8686).
Unum is providing this notice on behal of the folbwing insuring companies: Unum Life Insurance Company of
America, Unum Insurance Company, First Unum Life Insurance Company, Provident Life and Accident
Insurance Company, Provident Life and Casualty insurance Company, The Paul Revere Life Insurance
Company and Starmount Life Insurance Company.
'The applicable Supplemental Commission Renewal percentage(s) could be less than what is shown, based
on eligible Group premium and products.
Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
1014 -09 -ANNUAL (01/2020)
Z69L60 L68V11N11 96L810