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Frequently Asked Questions

Q What affect does the name change to The Hanover Insurance Group have on my Allmerica Financial Corporation stock?

A Essentially, there is no impact to your shares of AFC common stock. This is simply a name change; there is no change to the number of shares you own and we will honor your AFC stock. The stock will continue to trade on the New York Stock Exchange, but under the stock ticker symbol "THG" instead of "AFC." If you would like, you can return your AF shares in exchange for THG shares, but this is not necessary.

Q What is The Hanover Insurance Group's main business?

AThe Hanover Insurance Group, formerly Allmerica Financial, consists of property and casualty operations, which represents our ongoing business, and life operations, which is a run-off business consisting primarily of proprietary life insurance, annuity and guaranteed investment products previously issued by The Hanover Insurance Group's life insurance subsidiaries.

The Company conducts its business in four operating segments. Property and casualty operations consist of three operating segments: Personal Lines, Commercial Lines, and Other Property and Casualty. The Personal Lines segment markets automobile, homeowners and ancillary coverages to individuals and families. The Commercial Lines segment offers a suite of products targeted at the small to mid-size business markets, which include commercial multiple peril, commercial automobile, workers? compensation and other commercial coverages. The Other Property and Casualty segment includes a block of run-off voluntary pools of business in which we have not actively participated since 1995; Opus Investment Management, Inc., which provides investment management services to institutions, pension funds and other organizations. The Life Companies, our fourth operating segment, includes the results of our run-off business of life and annuity products and guaranteed investment contracts.

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QIs there a The Hanover Insurance Group agent near me?

AYou can search for the Hanover Insurance Group office closest to you in the Local Offices section of our web site.

QHow can I obtain an annual report or other financial information related to The Hanover Insurance Group?

AFinancial information on The Hanover Insurance Group, formerly Allmerica Financial, is available through the Financial News section of this site.

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QWhen is The Hanover Insurance Group's next earnings release?

ACheck our Financial Calendar for The Hanover Insurance Group, formerly Allmerica Financial's next earnings release.

QWho is the transfer agent for The Hanover Insurance Group, and how can I contact them?

A Computershare, 525 Washington Boulevard Jersey City, NJ 07310,
Phone - 800-317-4454

QHow can I obtain a stock certificate?

AIf Equiserve is currently holding your shares please contact them. If your shares are held in a brokerage account, you must contact your broker for further instructions.

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QHow can I transfer ownership of my stock?

A Please contact Equiserve to transfer ownership of your shares

QHow much is my The Hanover Insurance Group common stock worth?

ACheck The Hanover Insurance Group, formerly Allmerica Financial's current stock price (delayed 20 minutes).

QWhich stock exchange does The Hanover Insurance Group common stock trade on?

AThe Hanover Insurance Group, formerly Allmerica Financial's common stock (cusip # 410867105) trades on the New York Stock Exchange under the ticker symbol THG.

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QWhat is The Hanover Insurance Group's ticker symbol?

AThe Hanover Insurance Group, formerly Allmerica Financial's common stock (cusip # 410867105) trades on the New York Stock Exchange under the ticker symbol THG.

QWhat is the CUSIP number for The Hanover Insurance Group's common stock?

AThe Hanover Insurance Group, formerly Allmerica Financial's common stock (cusip # 410867105) trades on the New York Stock Exchange under the ticker symbol THG.

QWhen is The Hanover Insurance Group's annual meeting of shareholders?

ACheck our Financial Calendar for the date of The Hanover Insurance Group, formerly Allmerica Financial's next annual meeting of shareholders.

QDoes The Hanover Insurance Group pay a dividend on its common stock?

A The Hanover Insurance Group will pay a dividend of 25 cents per share on December 12th to shareholders of record at the close of business on November 28, 2005.

QWhat is demutualization?

ADemutualization is the process whereby a mutual company (owned by policyholders) converts to a stock or "public" company (owned by shareholders). The Hanover Insurance Group, formerly Allmerica Financial, was formed through the demutualization of State Mutual Life Assurance Company of America on October 16, 1995.

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QWhat is the tax basis of The Hanover Insurance Group shares received in exchange for the mutual ownership of State Mutual?

AShares of The Hanover Insurance Group, formerly Allmerica Financial, common stock received in exchange for mutual ownership of State Mutual carry a zero tax basis. Please consult your tax advisor if you are considering selling or have sold such shares.

Q When was The Hanover Insurance Group's initial public offering?

AThe Hanover Insurance Group, formerly Allmerica Financial's common stock was first traded on October 11, 1995.

QWhat was the IPO price of The Hanover Insurance Group's common stock?

AThe offering price was $21.00 per share.

Q How do I buy or sell The Hanover Insurance Group shares?

AThe Hanover Insurance Group common stock must be bought and sold through your stock broker.

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Q Does The Hanover Insurance Group offer a direct stock purchase program (DSPP)?

A At this time The Hanover Insurance Group, formerly Allmerica Financial does not offer a DSPP.

QDoes The Hanover Insurance Group offer a dividend reinvestment plan (DRIP)?

AAt this time The Hanover Insurance Group, formerly Allmerica Financial does not offer a DRIP.

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