Bringing 16 Million to Life starts with you.

Transcription

1 LIFE INSURANCE Bringing 6 Million to Life starts with you. Help customers protect their financial futures with life insurance solutions that fit their unique needs. It s all inside.

2 Leverage your strength as an agency to bring 6 million to life Life insurance is an important part of the Allstate value proposition and is key to meeting the unique needs of customers. Did you know: n 30% of American households have no life insurance. That is 37.5 million Americans. And, those that do have life insurance often don't have enough. n Allstate has relationships with more than 6 million households, yet only 25.6% of Allstate customers know we sell life insurance. You can help customers understand their risks and protect what s most important to them. Visit isell Financial ( often for updated marketing materials and educational opportunities to help you learn and sell! Facts About Life 206, LIMRA 2

3 Life events trigger life sales for customers. Emerging Adults Twenty somethings who are just grasping the basics of finances and insurance. n New job life insurance proceeds can supplement employer-provided plans or be used in conjunction with them to accumulate cash value Young Households Young families facing a world of firsts first home, first child and the responsibilities they bring. n Marriage life insurance can help provide financial stability for their spouse or partner n Birth of a Child life insurance proceeds can help cover living expenses and college tuition for their children n New Home life insurance proceeds can help cover mortgage payments to make sure their family can stay in their home Established Households Families on the verge of entering their prime earning years, generally with roots in the community and children in their tweens/teens. n Job change A new job is an opportunity to revisit their coverage to ensure life s needs are protected n Preparing kids to go to college life insurance proceeds can help cover college tuition expenses Mature Households Families that may have adult children, the prospect of retirement on the horizon, and aging parents to care for. n Becoming empty nesters life insurance can help protect their spouse or partner s retirement and leave a legacy n Caring for aging parents life insurance can help make sure their parents are taken care of Retirees Retired customers who want to enjoy life and leave their legacy. n Retirement income protection life insurance proceeds can help supplement their spouse or partner s retirement income n Preparing to leave a financial legacy life insurance can provide an important financial legacy and cover medical and funeral expenses to alleviate any financial burden from their loved ones 3

4 Issued by Allstate Life Insurance Company Product summary: Simplified issue term life insurance; 5-year level term Issue ages Ages 8 45 Face amounts $50,000, $00,000, or $50,000 LIFE INSURANCE Conversion privileges Option to convert term policy to permanent policy Basic Term is not a guaranteed issue product. If a customer is interested in other specified term periods or face amounts, consider offering Allstate TrueFit. Please visit accessallstate.com/lifeonline for additional product information. Hassle-free sales process with simplified underwriting and approval or decline decision within a few days. No medical exam is required. Policy issuance may depend on the answers to health questions in the application. Three simple database checks are used to determine eligibility for Basic Term: - Medical Information Bureau (MIB) - Motor Vehicle Report (MVR) - Prescription Database Check Underwriting classes Allstate Non-Tobacco Basic Non-Tobacco Allstate Tobacco Basic Tobacco Allstate underwriting classes offer lower guaranteed premium payments. Customers are eligible if they own their primary residence and have an Allstate auto insurance policy. Additional information One simplified policy is allowed per customer. This includes any other simplified products or Basic Term policies which have since been converted. Simplified issue products like Basic Term are not an appropriate solution for customers who have previously been declined or rated for an Allstate or affiliate fully underwritten product. We can consider these customers on a fully underwritten plan. Acceptable owner/payor designations: - Spouse or domestic partners NOTE: California exception for payor designation Customers with certain health or other history may not qualify for Basic Term. The below list is not a comprehensive list but a list of examples of conditions which do not qualify for Basic Term: Stroke Kidney Disease History of Alcohol or Drug Full or Partial Disability due to illness Diabetes Felony History Treatment or injury which has led to permanent Heart Disease Ever convicted for use or A DUI Within the Last 2 or recent inability to perform duties Cancer possession of alcohol, narcotics months or Multiple DUIs of regular occupation (pregnancy disability excluded). or other drug related charges Current Suspended Driver s Dementia License Some prescription medications Alzheimer s Some stated builds (height HIV/AIDS and weight) Get to know Allstate Basic Term SM Allstate Basic Term Straightforward: Easy-to-understand policy for customers looking for convenience. Hassle-free application: Simple application process that can be completed over the phone without a medical exam. Policy issuance dependent upon answers to health questions. Guaranteed premium: Premium stays the same throughout the 5-year term. Conversion privilege: Option to convert to Allstate Bridge UL after the first policy year and through the end of the 0th. n Have no life insurance and want basic, short-term coverage n Are looking for convenience with no medical exam Watch the Basic Term product webcast on the Life and Retirement Sales Education webpage LIFE INSURANCE Allstate Basic Term SM Reference Guide Basic Term SM snapshot Underwriting Allstate Basic Term SM Life Insurance Basic Term SM medical knock-out questions: ALR207 Basic Term Life Insurance Card ALR208 ALR208NY Basic Term Producer Guide ALR2034/ALR2034NY/ ALR2034MT Basic Term Monthly Rate Sheet ALR220/ALR220NY/ ALR220MT Basic Term Annual Rate Sheet ALR263 ALR263SP ALR263ALD ALR263ALDSP Basic Term Life Insurance Quote Sheet Basic Term Life Insurance Quote Sheet with ALD 4

5 t of nger ou can. ned layers over a can ollege, within ening. le ars. ars s ed Caring for customers and communities has always been a top priority for Allstate. Whether you re looking for answers or advice you can trust, your Allstate agency is close to home and ready to help. Since 93, Allstate has been committed to making insurance better. Along with fast and fair claim service, we have innovative tools, apps and extras to make everyday life easier for you. Talk to your Allstate agency today and see what we mean when we say You re in good hands. Please see rider for terms, conditions and restrictions. Additional costs may apply. Subject to state-specific terms and availability. 2 A disclosure form must be completed prior to receiving benefits under these riders. An administrative expense will be charged if the benefit is used. Receipt of accelerated benefits may be taxable. Tax laws relating to accelerated benefits are complex. Please consult a tax advisor. Receipt of accelerated benefits may also impact eligibility for public assistance programs. 3 All guarantees are based on the claims-paying ability of the issuing insurance company. Allstate TrueFit is a term life insurance to age 95 policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL and is available in most states with contract/series ICC4AC/ AC4- and may be accompanied by the following rider series ICC4AC2/AC4-2, ICC4AC3/AC4-3, ICC4AC2/AC4-26, ICC4AC/ AC4-24, ICC4AC0/AC4-, and ICC4AC3/AC4-25. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract/series NYLU88 and may be accompanied by the following riders NYLU89, NYLU820, NYLU825, NYLU826, NYLU824, and NYLU745. Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. 206 Allstate Insurance Company allstate.com ALR /6 ALLSTATE TRUEFIT TERM LIFE INSURANCE Protecting your family is important. If you die, you want to ensure that they can continue in the lifestyle you ve worked so hard to build. That s where term insurance can help. Term insurance is one of the most affordable ways to provide life insurance protection for your family. But what if you don t need the same level of insurance in 5 or 20 years once the kids are grown, you reach retirement and your financial needs change? Now there is a way to design your coverage so you re not paying for more insurance than you want in later years. Introducing Allstate TrueFit available exclusively from an Allstate Agent. Personalized protection to fit your family s needs and budget Customization to help lower costs and coverage as your policy needs change Flexibility to add options to maximize coverage for your whole family Convenient options to fit your budget and lifestyle Get to know Allstate TrueFit Term Life Insurance Allstate TrueFit Term Affordable: Typically provides the most insurance for the customer s premium dollar. Straightforward: Simple-to-understand product with guaranteed premium payments and death benefit. Flexible: The option to choose a coverage period from 0-30 years. Personalized Protection: Up to five optional layers of protection to help meet specific shorter-term needs, like housing expenses or college tuition, for a period of 0-20 years. Unique in Market: A one-of-a-kind solution in the industry, the policy allows customers to only pay for what they want based on their specific needs. Conversion Privilege: The option to convert to a permanent policy until year 5, or the policy anniversary following age 65, whichever is earlier. Conversions not allowed in last two years of the level premium coverage period or after the level premium coverage period. n Are newlyweds, young parents, or homeowners n Have a protection need for a specific period of time n Want quality coverage that can be personalized to fit their unique needs n Are budget conscious n May have a future interest in converting to a longer term protection solution Watch the TrueFit term basic webcast and the TrueFit term advanced webcast on the Life and Retirement Sales Education webpage on You have more than a policy. You have Allstate. Your life is your own. Your life insurance should be too. TrueFit provides: Life insurance personalized for your life. ALR2329 TrueFit brochure ALR2899POD TrueFit Personalized Life Insurance flyer / POD ALR83 ALR83POD TrueFit monthly rate flyer /POD ALR2866 ALR2866SP TrueFit Good Hands Card / POD ALR526 Annual TrueFit Premium Rates ALR55TaG TrueFit letter Order from TaG ALR5205TAG TrueFit Quote letter Order from TaG ALR623 TrueFit self-mailer with BRC 5

6 ALLSTATE WHOLE LIFE TRIBUTE Anthony Sample 23 Main Street Apt. 234 Anywhere IL 2345 "I want to make sure that my loved ones are financially protected when I die." Dear Anthony, None of us want to burden our family with debt when we die. The fact is, final expenses, burial costs, and other outstanding bills can make a difficult situation even worse. It's my job to make sure you know you have options to protect your loved ones. With Allstate Whole Life Tribute SM permanent life insurance you can have greater piece of mind. Allstate Whole Life Trubute Call me today at (222) I can answer questions, explain the details, and help you choose the right life insurance solution to help protect your family. Your Allstate Agent, Johnathan First Name Agent Last Name Johnathan First Name Agent Last Name 234 Main Street Suite 999 Peoria IL 665 SM provides: Affordable permanent coverage designed to help cover final expenses and more A guaranteed death benefit and premiums that won't increase Available monthly recurring credit card payment options A good plan, and a good life, starts with someone you know. P.S. Call now to lock in your rates! If you no longer wish to receive mail solicitations from Allstate, please call (866) ALR5304TaG 8/6 Snapshot Quote for Anthony $5,000 $25,000 $50,000 Lock in your rate today and save. sample.agent@allstate.com Insurance Policy All guarantees subject to claims-paying ability of issuing insurance company. Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination or other contractual rights and benefits. Premiums shown are monthly Standard No-tobacco rates as of January 25, 206, Allstate Whole Life Tribute Assurance Company, 3075 Sanders Rd, Northbrook IL and is available in most states with contract/series ICC5AC/AC5-. In New York issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract NYLU5-. Premiums quoted are subject to change and are set at the company's sole discretion. Further underwriting restrictions may apply. Other face amounts are available but will have different planned premiums than those shown here. Planned premiums may be paid annually, semi-annually, quarterly or monthly; planned premium paid pay differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested. 206 Allstate Insurance Company $* $* $* SM is whole life insurance issued by Allstate AMP/NC-LLOGO-072 D467TaG 835/3N- cppmtest FINX28A 09/3/6 Get to know Allstate Whole Life Tribute Allstate Whole Life Tribute Straightforward coverage: A simple, affordable solution for individuals interested in $0,000 to $50,000 of basic permanent coverage. Guaranteed premiums: Premium payments are guaranteed to remain the same over the life of the policy. Cash value accumulation: Customers can take out policy loans to help manage current or unexpected expenses. Underwriting Options: Level of underwriting varies by issue age to allow simple process for younger ages. For potential customers who... n Are looking to potentially cover final expenses, burial, and debt n Have minimal estate planning needs Watch the Whole Life Tribute product webcast on the Life and Retirement Sales Education webpage Life insurance. Protection for your Life. FADTTDDFDDAFDDADADFATATTTAAAFADDAATTTFADFFDFTATATTDFFTTFAFTADTDFD Allstate Whole Life Tribute SM Johnathan M. Murphy Agent ALR5068 Whole Life Tribute brochure ALR592 Whole Life Tribute Rate flyer ALR5304TAG Tribute Quote Letter Order on TaG Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 6

7 Get to know Whole Life Advantage Whole Life Advantage Solid protection: Offers solid protection and safe cash value growth. Guaranteed death benefit: Guaranteed for the insured s whole life and could increase in certain situations. Guaranteed cash value: Cash value will increase regardless of market conditions. Guaranteed premiums: Premiums never increase but can decrease or even stop. Juvenile issue ages: Offers parents or grandparents the ability to protect their child s future insurability. Options with excess credits: More options with excess credits, such as adding value to the policy or receiving cash back. n Are middle to mass affluent n Want long-term protection and a guaranteed death benefit amount n Want cash value that is guaranteed to increase regardless of market conditions n Are interested in premium payments that never increase Watch the Whole Life Advantage Product webcast on the Life and Retirement Sales Education webpage ALR2544 ALR2544NY Whole Life Advantage Consumer brochure ALR2547 Whole Life Advantage Juvenile Slim Jim /POD ALR2484 Guaranteed Insurability flyer ALR570TaG Whole Life Advantage Order from TaG ALR574TaG Whole Life Advantage Juvenile postcard Order from TaG 7

8 Get to know Allstate Lifetime UL Allstate Lifetime UL Guaranteed protection: Guaranteed coverage up to their lifetime, as long as on-time planned premiums are paid. Flexible premiums: Ability to adjust the guarantee period, payments, death benefit, or take partial withdrawals.,2 Affordability: Competitive pricing for customers looking for permanent life insurance coverage. n Are on the verge of entering their prime earning years and value permanent coverage n Want long-term protection and the ability to guarantee the death benefit for the period they choose n Are generally conservative, want low risk, and are primarily focused on death benefit n Want the ability to make changes to their policy in the future Watch the Lifetime UL product webcast on the Life and Retirement Sales Education webpage ALLSTATE LIFETIME UL Life insurance that protects for good. ALR5005 ALR5005NY Lifetime UL brochure ALR5030 Lifetime UL Rate flyer Increases in death benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. 2 Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 8

9 Get to know Allstate FutureBuilder UL Allstate FutureBuilder UL Affordable coverage: A great choice for customers looking for permanent life insurance coverage that will fit their budget. Cash accumulation: Fixed interest rates accumulate cash that customers can access through loans or withdrawals. Future flexibility: Customers can adjust the death benefit or premium payment to fit their current situation. 2 n Have young families and are looking for a starter policy that could possibly be coupled with term insurance n Want the potential for long-term death benefit protection but are similarly focused on building cash value n Are generally forward thinking and willing to accept some interest rate risk to help grow their policy n Want the ability to make changes to their policy in the future 2 Watch the FutureBuilder UL product webcast on the Life and Retirement Sales Education webpage ALR5026 ALR5026NY FutureBuilder brochure Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 2 Increases in death benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. 9

10 ALLSTATE FUTUREGROWTH IUL SM Allstate FutureGrowth IUL SM is designed to let you choose how much market exposure you want, while limiting your risk. How does it work? You have two accounts: a fixed account and an indexed account that work together to give you a safe and flexible way to grow your money. How is annual premium invested? First, your net premium (the amount you pay less expenses charged) is deposited into your fixed account, where it begins to earn fixed interest. On the 5th day of the calendar month following the deposit, the percentage you pre-selected will be allocated to your indexed account. This annual allocation to your indexed account will earn indexed interest, linked to the annual performance of the S&P 500 Index, subject to a declared rate cap and a floor. The indexed interest is then credited to your indexed segment at the end of the 2-month period (which is the indexed segment maturity date). Annual Premium Flow Premium Payment Fixed Account Earns interest at no less than the minimum guaranteed rate Indexed Account Earns indexed interest, linked to the S&P 500 Index (subject to a cap and a floor). Your premium payment (after expenses are deducted) is immediately deposited into your Fixed Account. On the 5th of the calendar month following your premium deposit, the percentage you pre-selected will be allocated to your indexed account. Upon maturity (2 months from the creation of the indexed segment), the total annual interest earned on the indexed account is applied. If your customers want a flexible life insurance solution that offers long-term life insurance protection and the ability to accumulate cash value that can be linked to the market performance, look no further than Allstate s indexed universal life. Future flexibility customers have the ability to adjust the death benefit or premium payment to fit your current needs. Account choices Customers can choose whether to place their cash value in an index account, a fixed account or both. 2 Greater growth potential Because the indexed account interest rate is linked to the positive change in a market index,indexed-link life insurance policies have greater growth potential than traditional universal life policies. Access to cash value Customers can make partial withdrawals to supplement their income, manage emergencies or assist with expenses. 3 Protection From Downside Risk With a 0% floor on the indexed accounts, Indexed Universal Life is a good fit for customers who want to benefit from potential market growth but don t want to expose themselves to downside risk. The simplicity of Allstate s index universal life makes it user-friendly even for inexperienced individuals by offering: One straightforward crediting strategy Annual reset with point-to-point One participation rate 00% participation One index S&P 500 To calculate the crediting rate on the indexed account, simply take the positive annual change in the S&P 500 and apply the cap rate. 4 If the S&P 500 goes down, the 0% floor kicks in and protects your customers from declines. It s that easy! Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information. 2 Transfers are subject to the policy terms and conditions. 3 Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse and may result in a tax liability. 4 Please note that one cannot invest directly in the S&P 500. S&P 500 does not reflect dividends paid on the stocks underlying the S&P 500. Neither Allstate Insurance Company nor its agents and representatives can give legal or tax advice. The Standard and Poor s 500 Composite Stock Price Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by us. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ). Allstate FutureGrowth IUL is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Standard and Poor s 500 Composite Stock Price Index. Allstate FutureGrowth IUL, a flexible premium universal life insurance policy, issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL Allstate FutureGrowth is available in most states with contract series ICC4AC27/AC4-9 and rider series ICC4AC23/AC4-6; ICC4AC5/AC4-5; ICC4AC6/AC4-7; ICC4AC7/AC4-8; ICC4AC8/AC4-0; ICC4AC9/AC4-8; ICC4AC3/AC4-23; ICC4AC29/AC4-2; ICC4AC28/AC4-20 and ICC4AC30/AC4-22. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY. with contract series NYLU4-5 and rider series NYLU680; NYLU683; NYLU4-9; NYLU4-7; NYLU4-6; and NYLU4-8. Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. For Broker-Dealer or Agent Use Only Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material. 205 Allstate Insurance Company. allstate.com ALR2529 0/7 UNIVERSAL LIFE Get to know Allstate FutureGrowth IUL Allstate FutureGrowth IUL Future flexibility: Customers can adjust the death benefit or premium payment to fit their current situation. Control: Customers choose to allocate their premiums to a fixed or indexed account or a combination of both. Greater growth potential: The indexed account is linked to market performance, allowing greater investment potential. Additionally, an indexed account floor and a fixed account guaranteed interest rate provide downside protection. Accessible cash value: Access to the policy s cash value through partial withdrawals and loans. 2 n Want to protect their families with a death benefit, help cover estate taxes, and leave an inheritance n Are investment savvy and want more from their life insurance than just death benefit protection n Are looking to build cash value but will limit upside potential so that they can have some downside protection nwant performance tied to the S&P 500 but don t want the hassle of selecting or monitoring investments 3 n Want the ability to make changes to their policy in the future Watch the FutureGrowth IUL basic webcast and the FutureGrowth IUL advanced webcast on the Life and Retirement Sales Education webpage The Future Belongs to You The Power of Allstate s Indexed Universal Life A safe, flexible approach to growing your money. SIMPLICITY YOU CAN COUNT ON For more information about Index Universal Life s contact the Customer Solutions Group at (800) or go to isell Financial ( ALR5027 ALR5027NY FutureGrowth brochure ALR5244 FutureGrowth Premium Payment flyer ALR2529 The Power of Allstate s Indexed Universal Life ALR2530 Finding the Right IUL Customer Increases in death benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. 2 Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 3 The Standard and Poor s 500 Composite Stock Price Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by us. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ). Allstate FutureGrowth SM IUL is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Standard and Poor s 500 Composite Stock Price Index. One cannot invest directly in the S&P 500. S&P does not reflect dividends paid on the stocks underlying the S&P

11 This brochure must be accompanied by a current Allstate FutureVest VUL prospectus, which contains more detail on the product and fund portfolios, including information on charges and expenses. SM ALLSTATE FUTUREVEST VUL Variable Universal Life Insurance What it is: Streamlined variable universal life product that provides growth potential, investment flexibility and the security of a death benefit. In addition, flexibility with premium payments and benefits helps customers adapt to life s changing needs. Replaces TotalAccumulator* Series 6 and Series 63 licenses required (in some states) Key enhancements: Families and established Simplified investment options households that want quality, Streamlined riders and coverage guarantees personalized coverage that provides for an accumulation Consumer-friendly presentations and statements approach tailored to Chronic Illness Benefit consistent with Allstate s meet individual needs other universal life products Individuals who have maximized retirement savings Advantages: vehicles and need another Designed for custom portfolios source for retirement income Simplified optional, pre-built diversified investment offerings Parents and grandparents who make FutureVest more understandable for customers buy life insurance for juveniles Life insurance protection for a family s financial future and for future insurability and tax deferred accumulation for life events potential income growth for the child s future needs such Streamlined investment choices can align with long-term as college objectives and risk tolerance, while allowing for automatic portfolio rebalancing Business owners and entrepreneurs who need life Offers full market participation no caps/floors like index insurance and longterm cash universal life products accumulation, and who are Flexible future premiums and death benefits can align with willing to accept the risk changing circumstances involved in full participation in financial markets Possible significant tax advantaged opportunities for future loans or cash withdrawals for future life events Business owners looking to protect business assets through * TotalAccumulator will continue to be available in New York until New York buy-sell agreements and key launches Allstate FutureVest VUL SM man insurance Get to know Allstate FutureVest VUL SM Allstate FutureVest VUL except New York Streamlined investment choices: Allow customers alignment of long-term objectives and risk tolerance, while allowing for optional automatic changes to sub-account balances over time. Full market participation: No caps/floors like index universal life products. Flexibility: Customers have the flexibility to adjust future premiums and death benefits to align with changing circumstances. Cash value accumulation: Customer can grow the policy's cash value through 34 subaccounts, a fixed account, or asset allocation programs and can access cash value through loans or partial withdrawals. 2 n Want life insurance to protect their loved ones but also want flexibility to invest and use their policy s cash value for retirement or other life needs 2 n Are investment-savvy and aggressive in terms of risk tolerance and want full market participation, but understand the risk and potential for losing cash value n Are business owners and entrepreneurs who want to protect assets, provide potential for growth and offer security in case of loss of a person who is key to their business n Are parents or grandparents and want to purchase a life policy for a child for future insurability and potential income growth for the child s future needs such as college 2 Watch the FutureVest product webcast on the Life and Retirement Sales Education webpage Protect. Grow. Prepare. Introducing Allstate FutureVest VUL SM Potential customers: ALR5407 FutureVest Consumer Kit (Includes 3 need analysis questionnaires and the Risk Tolerance Brochure) ALR543 FutureVest Overview Flyer Available on isell Financial Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. 2 Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy.

12 Get to know TotalAccumulator SM VUL TotalAccumulator VUL Available in New York Only Cash value accumulation: Customer can grow the policy s cash value through more than fifty subaccounts, a fixed account, or asset allocation programs and can access cash value through loans or partial withdrawals. Optional coverage guarantee rider: Guarantees the policy will not lapse while the rider is active and required premiums are paid. Customers choose between two guarantee levels. Unique catch-up provision: Customers can reinstate lost guarantees. SelectStrategy planning tool: Innovative way to tailor a policy. n Have a need for death benefit protection and have maxed out contributions to other tax-deferred savings vehicles n Want to protect loved ones and pursue potential cash value growth in a wide range of investment options n Are aggressive in terms of risk tolerance, including the potential for losing cash value, and want full market participation Watch the TotalAccumulator VUL product webcast on the Life and Retirement Sales Education webpage ALR2083NY TotalAccumulator Product brochure ALR2086NY TotalAccumulator SelectStrategy brochure ALR2087NY TotalAccumulator SelectBalance brochure Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 2

13 Allstate Basic Term SM is a term life policy issued by Allstate Life Insurance Company, 3075 Sanders Rd., Northbrook IL 60062, available in most states with contract series LU0987. In New York issued by Allstate Life Insurance Co. of New York, Hauppauge, NY with contract series NYLU769. Allstate TrueFit is a term life insurance to age 95 policy issued by Allstate Assurance Company, Home Office: 3075 Sanders Rd, Northbrook IL 60062, available in most states with contract series ICC4AC/ AC4- and rider series ICC4AC2/AC4-2; ICC4AC3/AC4-3; ICC4AC2/AC4-26; ICC4AC/AC4-24; ICC4AC0/AC4-; ICC4AC3/AC4-25. In New York, issued by Allstate Life Insurance Company of New York, Home Office: Hauppauge, NY with contract series NYLU88 and riders series NYLU89, NYLU820, NYLU825, NYLU826, NYLU824, and NYLU745. Allstate Whole Life Tribute is whole life insurance issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook IL 60062, available in most states with contract series ICC5AC/AC5- and rider series ICC5AC2/AC5-2; ICC5AC3/AC5-3; ICC5AC4/AC5-4. In New York issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU5- and rider series NYLU5-2; NYLU5-3; NYLU700. Whole Life Advantage is a whole life insurance policy issued by Allstate Life Insurance Company, 3075 Sanders Rd, Northbrook IL 60062, available in most states with contract series ICC2A/LU040 and rider series ICC2A6/LU045; ICC2A4/LU043; ICC2A2/LU04; ICC2A3/LU042; ICC2A/LU05; ICC2A5/LU044; ICC2A9/LU048; ICC2A7/LU046. In New York issued by Allstate Life Insurance Company of New York, Home Office: Hauppauge, NY with contract series NYLU796 and rider series NYLU80; NYLU799; NYLU797; NYLU697; NYLU699; NYLU800. Allstate Lifetime UL is a flexible premium universal life insurance policy issued by Allstate Assurance Company, Home Office: 3075 Sanders Rd, Northbrook IL 60062, available in most states with contract series AC3-2 and rider series AC3-3; AC3-4; AC3-9; AC3-20; AC3-7; AC3-6; AC3-8. In New York issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676 and rider series NYLU677; NYLU682; NYLU799; NYLU797; NYLU68; NYLU699; NYLU800. Allstate FutureBuilder UL is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook IL 60062,available in most states with contract series ICC4AC4/AC4-5 and rider series ICC4AC8/AC4-0; ICC4AC7/AC4-8; ICC4AC6/AC4-7; ICC4AC2/AC4-6; ICC4AC23/AC4-6; IC4AC5/AC4-5; ACC4AC9/AC4-8; ICC4AC20/AC4-9; and ICC4AC22/AC4-7. In New York issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU82 and rider series NYLU822; NYLU4-3; NYLU4-4; NYLU823; NYLU682-; NYLU680; NYLU683; and NYLU689. Allstate FutureGrowth IUL is a flexible premium indexed universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook IL 6006, available in most states with contract series ICC4AC27/AC4-9 and rider series ICC4AC23/AC4-6; ICC4AC5/AC4-5; ICC4AC6/AC4-7; ICC4AC7/AC4-8; ICC4AC8/AC4-0; ICC4AC9/AC4-8; ICC4AC3/AC4-23; ICC4AC29/AC4-2; ICC4AC28/AC4-20 and ICC4AC30/AC4-22. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU4-5 and riders series NYLU682-; NYLU4-3; NYLU680; NYLU683; NYLU4-4; NYLU4-9; NYLU4-7; NYLU4-6; and NYLU4-8. Allstate FutureVest VUL SM is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook, IL and is available in most states with contract series ICC6AC3/AC6-2 and rider series ICC4AC6/AC4-7; ICC4AC5/ AC4-5; ICC4AC23/ AC4-6; ICC4AC7/ AC4-8; ICC4AC8/ AC4-0; ICC4AC9/ AC4-8; and ICC4AC20/ AC4-9. TotalAccumulator SM is a flexible premium variable universal life insurance policy issued by Allstate Life Insurance Company of New York Hauppauge, NY, available with contract series NYLU727 and rider series NYLU728, NYLU683, NYLU680, NYLU730, NYLU682, NYLU68, NYLU695, NYLU689 and NYLU729. Guarantees offered are subject to the claims-paying ability of the issuing company. Policy issuance is subject to availability and qualifications and has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. ALR /7