Document:

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                                                                    Exhibit 4.13

                             CERTIFICATE OF TRUST

                                      OF

                       UNUMPROVIDENT FINANCING TRUST III

          This Certificate of Trust of UnumProvident Financing Trust III (the
"Trust"), dated August 14, 2000, is being duly executed and filed by the
undersigned, as trustees, to form a business trust under the Delaware Business
Trust Act (12 Del. C. (S) 3801, et seq.) (the "Act").
              -------           -- ---

          1.   Name.  The name of the business trust being formed hereby is
               ----
UNUMPROVIDENT FINANCING TRUST III.

          2.   Delaware Trustee.  The name and business address of the trustee
               ----------------
of the Trust with a principal place of business in the State of Delaware is
Chase Manhattan Bank USA, National Association, 1201 Market Street, Wilmington,
Delaware 19801, Attention: Corporate Trust Administration.

          3.   Effective Date.  This Certificate of Trust shall be effective
               --------------
upon filing with the Secretary of State of the State of Delaware.

          4.   Counterparts.  This Certificate of Trust may be executed in one
               ------------
or more counterparts.

                            [SIGNATURE PAGE FOLLOWS]
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          IN WITNESS WHEREOF, the undersigned, being the trustees of the Trust,
have executed this Certificate of Trust in accordance with Section 3811(a)(1) of
the Act.

                               CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION,
                               not in its individual capacity but solely as
                               trustee

                               By: /s/ Denis Kelly
                                  ------------------------------
                                  Name: Denis Kelly
                                  Title: Assistant Vice President

                               THE CHASE MANHATTAN BANK, not in its individual
                               capacity but solely as trustee

                               By: /s/ Gregory P. Shea
                                  ------------------------------
                                  Name: Gregory P. Shea
                                  Title: Assistant Vice President

                               SUSAN N. ROTH, not in her individual capacity but
                               solely as trustee

                                /s/ Susan N. Roth
                               ------------------------------<PAGE>

                                                                    Exhibit 4.14

                             DECLARATION OF TRUST
                                      OF
                       UNUMPROVIDENT FINANCING TRUST II

          This Declaration of Trust, dated as of August 14, 2000 (this
"Declaration"), is entered into by and among UnumProvident Corporation, a
Delaware corporation, as depositor (the "Depositor"), Chase Manhattan Bank USA,
National Association, a National Association, as trustee, The Chase Manhattan
Bank, a New York banking corporation, as trustee, and Susan N. Roth, an
individual, as trustee (collectively, the "Trustees"). The Depositor and the
Trustees hereby agree as follows:

          (1) The trust created hereby (the "Trust") shall be known as
"UnumProvident Financing Trust II," in which name the Trustees or the Depositor,
to the extent provided herein, may conduct the business of the Trust, make and
execute contracts, and sue and be sued.

          (2) The Depositor hereby assigns, transfers, conveys and sets over to
the Trust the sum of ten dollars ($10.00). The Trustees hereby acknowledge
receipt of such amount from the Depositor, which amount shall constitute the
initial trust estate. The Trustees hereby declare that they will hold the trust
estate for the Depositor. It is the intention of the parties hereto that the
Trust created hereby constitute a business trust under Chapter 38 of Title 12 of
the Delaware Code, 12 Del. C. (S) 3801 et seq. (the "Business Trust Act"), and
that this document constitutes the governing instrument of the Trust. The
Trustees are hereby authorized and directed to execute and file a certificate of
trust with the Secretary of State of the State of Delaware.

          (3) The Depositor and the Trustees will enter into an amended and
restated declaration of trust (the "Amended and Restated Declaration of Trust")
satisfactory to each such party to provide for the contemplated operation of the
Trust created hereby and the issuance of the preferred securities representing
undivided beneficial interests in the assets of the Trust and common securities
representing undivided beneficial interests in the assets of the Trust. Prior to
the execution and delivery of such Amended and Restated Declaration of Trust,
the Trustees shall not have any duty or obligation hereunder or with respect to
the trust estate, except as otherwise contemplated by this Declaration, required
by applicable law or as may be necessary to obtain prior to such execution and
delivery any licenses, consents or approvals required by applicable law or
otherwise. Notwithstanding the foregoing, the Trustees may take all actions
deemed proper or as are necessary to effect the transactions contemplated
herein.

          (4) The Depositor, as depositor of the Trust, is hereby authorized, in
its sole discretion, (i) to prepare and file with the Securities and Exchange
Commission (the "Commission") and to execute, in the case of the 1933 Act
Registration Statement and 1934 Act Registration Statement (as herein defined),
on behalf of the Trust, (a) a Registration Statement (the "1933 Act Registration
Statement"), including all pre-effective and post-effective amendments thereto,
relating to the registration under the Securities Act of 1933, as amended (the
"1933 Act"), of the preferred securities of the Trust, (b) any preliminary
prospectus or prospectus or supplement thereto relating to the preferred
securities of the Trust required to be filed pursuant to the 1933 Act, and (c) a
Registration Statement on Form 8-A or other appropriate form (the "1934 Act
Registration Statement"), including all pre-effective and post-effective
amendments thereto, relating to the registration of the preferred securities of
the Trust under the Securities
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Exchange Act of 1934, as amended; (ii) if and at such time as determined by the
Depositor, to file with the New York Stock Exchange or other exchange, or the
National Association of Securities Dealers ("NASD"), and execute on behalf of
the Trust a listing application and all other applications, statements,
certificates, agreements and other instruments as shall be necessary or
desirable to cause the preferred securities of the Trust to be listed on the New
York Stock Exchange or such other exchange, or the NASD's Nasdaq National
Market; (iii) to file and execute on behalf of the Trust, such applications,
reports, surety bonds, irrevocable consents, appointments of attorney for
service of process and other papers and documents that shall be necessary or
desirable to register the preferred securities of the Trust under the securities
or "blue sky" laws of such jurisdictions as the Depositor, on behalf of the
Trust, may deem necessary or desirable; (iv) to execute and deliver letters or
documents to, or instruments for filing with, a depository relating to the
preferred securities of the Trust; and (v) to execute, deliver and perform on
behalf of the Trust an underwriting agreement with one or more underwriters
relating to the offering of the preferred securities of the Trust.

          In the event that any filing referred to in this Section 4 is required
by the rules and regulations of the Commission, the New York Stock Exchange,
Inc. or other exchange, NASD, or state securities or "Blue Sky" laws to be
executed on behalf of the Trust by the Trustees, the Trustees, in their capacity
as trustees of the Trust, are hereby authorized to join in any such filing and
to execute on behalf of the Trust any and all of the foregoing, it being
understood that the Trustees, in their capacity as trustees of the Trust, shall
not be required to join in any such filing or to execute on behalf of the Trust
any such document unless required by the rules and regulations of the
Commission, the New York Stock Exchange, Inc. or other exchange, NASD, or state
securities or "Blue Sky" laws.

          (5) This Declaration may be executed in one or more counterparts.

          (6) The number of Trustees initially shall be three (3) and thereafter
the number of Trustees shall be such number as shall be fixed from time to time
by a written instrument signed by the Depositor which may increase or decrease
the number of Trustees; provided that, to the extent required by the Business
Trust Act, one Trustee shall be an entity that has its principal place of
business in the State of Delaware. Subject to the foregoing, the Depositor is
entitled to appoint or remove without cause any Trustee at any time upon thirty
(30) days prior written notice. The Trustees may resign upon thirty days prior
notice to the Depositor.

          (7) The Depositor hereby agrees to (i) reimburse the Trustees for all
reasonable expenses (including reasonable fees and expenses of counsel and other
experts) and (ii) indemnify, defend and hold harmless the Trustees and any of
the officers, directors, employees and agents of the Trustees (the "Indemnified
Persons") from and against any and all losses, damages, liabilities, claims,
actions, suits, costs, expenses, disbursements (including the reasonable fees
and expenses of counsel), taxes and penalties of any kind and nature whatsoever
(collectively, "Expenses"), to the extent that such Expenses arise out of, or
are imposed upon, or asserted at any time against, such Indemnified Persons with
respect to the performance of this Declaration, the creation, operation or
termination of the Trust or the transactions contemplated hereby; provided,
however, that the Depositor shall not be required to indemnify any Indemnified

                                      -2-
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Person for any Expenses which are a result of the willful misconduct, bad faith
or gross negligence of such Indemnified Person.

          (8) The Trust may be dissolved and terminated before the issuance of
the securities of the Trust at the election of the Depositor.

          (9) This Declaration shall be governed by and construed in accordance
with the laws of the State of Delaware (without regard to conflict of laws
principles).

                            [SIGNATURE PAGE FOLLOWS]

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          IN WITNESS WHEREOF, the parties hereto have caused this Declaration of
Trust to be duly executed as of the day and year first above written.

                                    UNUMPROVIDENT CORPORATION, as Depositor

                                    By:  /s/ Robert C. Greving
                                       ----------------------------------
                                       Name:  Robert C. Greving
                                       Title:  Senior Vice President, Finance

                                    CHASE MANHATTAN BANK USA, NATIONAL
                                    ASSOCIATION, as trustee

                                    By:  /s/ Denis Kelly
                                       ----------------------------------
                                       Name:  Denis Kelly
                                       Title:  Assistant Vice President

                                    THE CHASE MANHATTAN BANK, as trustee

                                    By:  /s/ Gregory P. Shea
                                       ----------------------------------
                                       Name:  Gregory P. Shea
                                       Title:  Assistant Vice President

                                    SUSAN N. ROTH, as trustee

                                         /s/ Susan N. Roth
                                    -------------------------------------

                                      -4-

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