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Citizens and Hanover Name Cynthia Young President, Personal Lines Division

May 17, 2004

WORCESTER, Mass., May 17 /PRNewswire-FirstCall/ -- The Citizens and Hanover Insurance Companies today announced that Cynthia H. Young has been named president of the companies' personal lines divisions, effective June 1. As president, she will be responsible for all aspects of personal lines operations and will be a member of the companies' operating committee.

"Cynthia brings an amazing breadth and depth of experience and insurance industry knowledge to our company," said Frederick H. Eppinger, president and chief executive officer of Allmerica Financial Corporation (NYSE: AFC), the parent company to Citizens and Hanover.

"I look forward to working with Cynthia as we continue to strengthen our personal lines results and build a world class operation," said Marita Zuraitis, president of Allmerica's property and casualty insurance companies.

Young comes to Citizens and Hanover from The Hartford Insurance Company, where she served the last two years as Vice President of Product Management for the company's South Central Region. In this capacity, she was responsible for auto, homeowners and umbrella coverages sold through agency and direct distribution channels in 22 states. Young also served as a Senior Product Manager at The Hartford prior to this time.

From 1993 to 2001, Young held a number of senior positions at Progressive. While at Progressive, she served in leadership roles in the company's product management division, and was the product manager for the company's auto insurance operations in Georgia. She also served as senior and regional claims attorney for financial institutions directors and officers coverage, Bankers' Blanket Bond, and Trust errors and omissions products in Progressive's Diversified Business Group.

Before entering the insurance industry in 1993, Young was a general litigation associate at the law firm of Jones, Day, Reavis & Pogue, where she provided legal advice and support to a number of Fortune 500 companies.

Young is an active participant in business and community affairs, having served as a representative to Leadership Greater Hartford's Quest 2004 Program, an initiative that brings together and trains community minded leaders to address key issues in the Greater Hartford area. She also is a former member of the Board of Advisors of the Atlanta Chamber of Commerce and has served on the Board of Advisors and Public Relations Committee of the Georgia Insurance Information Service.

Young holds a bachelor's degree in economics from Xavier University of Louisiana, and a juris doctor degree from the University of Notre Dame. She is a native of Meridian, Mississippi.

Howell, Michigan-based Citizens Insurance Company of America, founded in 1915, and Worcester, Massachusetts-based The Hanover Insurance Company, founded in 1852, offer a range of property and casualty insurance coverages to individuals, families and business through a wide network of independent agents. The Citizens and Hanover Insurance Companies are ranked among the top 30 property and casualty insurers in the country and are members of the Allmerica Financial companies, a group of insurers led by Allmerica Financial Corporation, a Fortune 500 company.

Note to editors: For a photograph of Cynthia Young, please contact Todd Peckham using the e-mail address or telephone number below.

     Sujata Mutalik
     (508) 855-3457
     E-mail: smutalik@allmerica.com

     Todd M. Peckham
     (508) 855-4460
     E-mail: tpeckham@allmerica.com
SOURCE  The Citizens and Hanover Insurance Companies
    -0-                             05/17/2004
    /CONTACT: Investors: Sujata Mutalik, +1-508-855-3457,
smutalik@allmerica.com, or Media: Todd M. Peckham, +1-508-855-4460,
tpeckham@allmerica.com, both of Allmerica Financial Corporation/

CO:  The Citizens and Hanover Insurance Companies; Allmerica Financial
ST:  Massachusetts

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1082 05/17/200412:00 EDThttp://www.prnewswire.com