Allstate Whole Life Advantage SM

A WHOLE LIFE INSURANCE ILLUSTRATION Allstate Whole Life Advantage SM A Company You Can Count On For more than 25 years, Allstate Life Insurance Company of New York has been in the business of helping protect what s important to you. With Allstate, you can feel better prepared and more in control of your future than ever before. We pride ourselves on strength, stability and integrity as well as our ability to provide financial solutions and professional assistance to help families achieve their lifelong dreams. To learn more, call or visit your Allstate agency today. Illustration Prepared for: Male 40 Prepared by: Jane W. Life Life Agency 1234 Main Street Suite 200 Any Town, IL 88888-8888 (800) 455-7890 What's Inside: Policy Highlights... S.1 Policy Overview... 1 Key Terms...6 Policy Summary (Signatures)... 8 Policy Details... 9 Disclosures... 15 The Next Steps... A.1 Prepared on: June 12, 2014 To be presented in the state of New York Administrative Office: 2940 South 84th Street, Lincoln, NE 68506

Policy Highlights Prepared by Jane W. Life for No Surprises. Solid Protection & Growth. That s Allstate Whole Life Advantage. When it comes to protecting your life, your family and your financial assets Surprise isn t a word you want to hear. With Allstate Whole Life Advantage, you get a strategy for solid, dependable, protection and growth. No surprises. Whole Life Advantage provides lifetime coverage, plus level premiums and guaranteed cash values. On day one, you ll know the minimum cash value you ll have in your policy each year for the life of the policy regardless of the market. In the future, you can choose a reduced paid-up benefit, resulting in a lower death benefit while maintaining your cash value and never paying another premium again. Whole Life Advantage A Solid Strategy: Level s set and will not increase Death certain to be there and will not decrease Increasing safe, secure cash for the future regardless of market conditions Why let any surprises catch you off guard? Solid, secure, dependable protection and growth you can count on. That s Whole Life Advantage. Plus, earn more with Excess Credits Like dividends, when Excess Credits are paid, they can add value to your policy or cash back to you. Choose how to receive the excess credits: increase death benefit and cash values with paid-up additions reduce your premium due take excess credits in cash repay policy debt or accumulate excess credits with interest Your illustration includes Excess Credit Option Purchase Additions, as you selected. And Choose Optional Features Whole Life Advantage also offers optional features or riders which you can use to add protection or increase your coverage. Learn more about the riders you selected in the Policy Overview section of this illustration. Page S.1 of S.1 This supplemental illustration is not valid without an accompanying product illustration. Refer to the basic life insurance illustration for guaranteed elements and complete policy detail information. FIN2487A

Policy Overview $250,000 Initial Death Policy Overview A LIFE INSURANCE ILLUSTRATION Prepared By Jane W. Life Life Agency 1234 Main Street Suite 200 Any Town, IL 88888-8888 (800) 455-7890 To be presented in the state of New York Important Notices This is an illustration only and not a contract. If there are any discrepancies between this illustration and your contract, the contract language will prevail. About Allstate Whole Life Advantage Allstate Whole Life Advantage is a whole life insurance policy issued by Allstate Life Insurance Company of New York and is available using Form NYLU796. This policy provides you with guaranteed premiums and guaranteed cash values along with lifetime coverage. It also has an excess credits feature that can mean added insurance benefits or cash back. Excess credits are based on factors that include our future expectations of mortality, investments and expenses, and may be paid throughout the life of the policy. They may be used to purchase paid-up additions, taken in cash, accumulated with interest, applied to future premiums or used for the payment of policy debt. These excess credits are not guaranteed and subject to change by Allstate Life Insurance Company of New York. Underwriting Class Preferred Elite Your underwriting class is based on factors such as overall health history, driving record, occupation and activities that involve risk. This illustration assumes you are classified as Preferred Elite. Your actual payments will depend on the outcome of an underwriting process. Initial Net Death $250,000 This is the death benefit at the time your policy is issued. Refer to the Policy Details section for future death benefit variations. Page 1 of 15

Policy Overview $250,000 Initial Death Initial Contract s $3,565.00 paid Annually Illustrated Coverage Face Amount Annual (s) Years Payable Whole Life Base Policy $250,000 $3,565.00 81 The premium(s) shown above are based on annual premiums, and does not necessarily reflect the premium mode selected. Other Payment Schedules Your premium quote was for an annual payment. This section shows other payment schedules that are available. Frequency Initial Contract Initial Annualized Contract Annual $3,565.00 $3,565.00 Semi-Annual $1,853.80 $3,707.60 Semi-Annual Automatic $1,818.15 $3,636.30 Quarterly $962.55 $3,850.20 Quarterly Automatic $926.90 $3,707.60 Monthly Automatic $311.94 $3,743.28 The excess credit option to reduce premium is only available for direct annual billing mode. Seven-Pay $9,782.65 The seven-pay limit is defined by federal tax law as the maximum amount you can pay annually, in addition to any 1035 exchange amount, during the first seven policy years. In addition, a change in benefits may also trigger a new seven-pay period. If you exceed the seven-pay limit, your policy becomes a Modified Endowment Contract (MEC) and you may be subject to additional taxes and penalties on any distributions from your policy that are taken while you are still living. Based upon the scheduled premium payments in the illustration your policy is not a MEC. Excess Credit Option Purchase Additions Excess credits may be applied to your policy at the end of each policy year and will purchase additional life insurance coverage, referred to as paid-up additions. Excess credits are shown on the Policy Details page of this illustration. Paid-up additions are reflected in any non-guaranteed values shown in this illustration. Page 2 of 15

Policy Overview $250,000 Initial Death Accessing Your Your policy allows you to: Take loans against the policy s cash surrender value. Take withdrawals from the cash surrender value of the paid-up additions. Take withdrawals from the cash surrender value of the Insurance Rider. Take excess credits in cash. Take withdrawals of excess credits accumulated with interest. Loans, if not repaid, and partial withdrawals will reduce your death benefit and cash surrender value. An interest charge will apply to loaned amounts. How withdrawals are taxed: Withdrawals from a life insurance policy are generally taxed as income to the extent the withdrawal exceeds the investment in the policy. In some situations, withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the policy. If a policy is a MEC, withdrawals are treated as a taxable distribution to the extent of policy gain. Withdrawals are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject to an additional 10% federal tax penalty if made prior to age 59½. How loans are taxed: Loans from a life insurance policy are generally not taxable if taken from a life insurance policy that is not a MEC. However; when a policy is surrendered and cash surrender values are used to repay a loan, the transaction is treated like a withdrawal and will be taxed accordingly. If a policy is a MEC, loans are treated as a taxable distribution to the extent of the policy gain. Loans are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject to an additional 10% federal tax penalty if made prior to age 59½. How excess credits paid in cash or accumulated with interest are taxed: Excess credits paid in cash or accumulated with interest are generally taxed when the excess credit is paid to the extent the amount exceeds the investment in the policy. If a policy is a MEC, the excess credits are treated as a taxable distribution to the point of the policy gain. The excess credits are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject to an additional 10% federal tax penalty if made prior to age 59½. Please consult your tax advisor for the possible tax implications in your situation. Page 3 of 15

Policy Overview $250,000 Initial Death Reduced Option A reduced paid-up benefit can be elected at any time, provided that sufficient cash surrender value is available. The cash surrender value, less policy debt, will be used as a net single payment to purchase a reduced life insurance benefit. payments stop at this point. The reduced paid-up option will have increasing cash values and is eligible for excess credits. A reduced paid-up benefit will be automatically set up if the grace period expires with no available automatic premium loans or all available automatic premium loans have been paid. Annual for the Paid- Up Insurance Rider This rider allows you to contribute an annual premium to the policy to purchase paid-up life insurance until attained age 80, assuming your policy is still in force. The minimum annual premium required each year is equal to $100, except in the first policy year in which there is no minimum annual premium requirement. The maximum annual premium allowed is equal to the annual base policy premium. Failure to contribute the minimum premium will not cause the rider to terminate, however, no additional premiums will be allowed. This rider is eligible for excess credits. Additional Rider This policy offers a rider that you have chosen not to purchase at the time your policy is issued. The Child Term Rider may be added to your policy in the future. It offers you an affordable way to purchase life insurance for your children who are ages 0 to 17. This rider may be added through age 64. You must submit a written request to have this rider added to your policy. The addition of this rider is subject to future availability and may require additional underwriting. Age 121 If the policy is still in force after the anniversary following your 121st birthday, the following will apply: s are no longer required. The cash value continues to earn interest. Any policy debt will continue to accrue interest. Policy Transactions We will not automatically process any loans, withdrawals, or policy changes. If your illustration includes any of these transactions, you will need to send your written request at the time you would like the transaction to be processed. Page 4 of 15

Policy Overview $250,000 Initial Death Cost and Net Payment Indexes The Life Insurance Payment Cost Index and the Life Insurance Net Payment Cost Index are measures that are useful only for comparing the relative costs of two or more similar plans of insurance. A low index number represents a plan with a lower cost than one with a higher index number. These indexes assume a 5% time value of money. Guaranteed s Non-Guaranteed Current Assumptions 10 Years 20 Years 10 Years 20 Years Cost Index 6.18 6.32 5.72 5.08 Net Payment Index 14.26 14.26 14.20 13.97 Page 5 of 15

Key Terms Allstate Whole Life Advantage SM Key Terms $250,000 Initial Death The following terms and definitions will help you as you review the policy values in the illustration. Age The insured s age at the end of the policy year. The amount that is available for surrender or loan. This includes end of year values, which have been adjusted for policy debt, under the base policy and any illustrated riders. Contract The total amount of premiums you are required to pay each policy year. This illustration assumes the first premium is received on 06/12/2014. Cumulative Outlay This is the anticipated sum of the yearly Outlays from the issue date of the policy to the policy year shown. Current Assumptions These values reflect excess credits being declared each year and used according to the excess credit option selected. The interest rate used in the calculation of excess credits for this illustration is 4.35%. These values are not guaranteed. Death The amount that we will pay to the beneficiary at your death as long as the policy is still in force. This includes the amounts on the base policy and any illustrated riders on the life of the insured, less any outstanding loan balance. Excess Credit A non-guaranteed amount paid at the end of the policy year. Excess credits are based on factors that include future expectations of mortality, investments and expenses. Guaranteed s These values are guaranteed provided all premiums are paid when due. Page 6 of 15

Key Terms $250,000 Initial Death Mid-Point Assumptions These values reflect values between the Guaranteed s and the Current Assumptions. These values are not guaranteed. Net Distributions The total of all loans, withdrawals, and loan repayments made each policy year. This number shows the amount of net distributions coming out of the policy. Distributions are assumed to occur at the beginning of the policy year. Non-Guaranteed Elements of the Policy These values illustrate the use of excess credits on the policy. Depending on the option you selected, excess credits may be used to purchase additional death benefits, reduce premium, receive a cash withdrawal, accumulate with interest or make a repayment of policy debt. The values shown are hypothetical and excess credits cannot be predicted with certainty. The illustration assumes that excess credits will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Additions This is the cumulative amount of paid-up life insurance purchased with excess credits. The paid-up additions are included in the Non-Guaranteed Death. Additions This amount is the cash value from the paid-up additions purchased with excess credits. It is available for withdrawal and is included in the Non-Guaranteed. Policy Year This is the twelve month period that begins on the day your policy is issued. Subsequent policy years begin on the policy s anniversary date. Outlay The amount of premium assumed to be paid out-of-pocket. This consists of the premium; less surrendered cash value; less excess credits paid in cash or used to reduce premium; less any policy loans received; plus any loan interest paid; plus any loan principal paid. Reduced The amount of paid-up insurance benefit which can be purchased by using the cash surrender value available on a single premium basis. The reduced paid-up benefit is eligible for excess credits and has loan value. Page 7 of 15

Policy Summary (Signatures) Owner Signature Agent Signature Owner Date Agent Date Allstate Whole Life Advantage SM Policy Summary $250,000 Initial Death Guaranteed s Non-Guaranteed Mid-Point Assumptions Non-Guaranteed Current Assumptions Policy Year Age Cumulative Outlay Death Cumulative Outlay Death Cumulative Outlay Death 5 45 17,825 9,028 250,000 17,825 9,105 250,269 17,825 9,183 250,538 10 50 35,650 26,668 250,000 35,650 27,384 252,104 35,650 28,100 254,207 20 60 71,300 68,928 250,000 71,300 73,825 260,526 71,300 78,723 271,053 30 70 106,950 116,648 250,000 106,950 131,510 274,518 106,950 146,373 299,035 81 121 288,765 250,000 250,000 288,765 429,280 429,280 288,765 608,559 608,559 The table above is designed to help you understand how changes in non-guaranteed factors may affect policy values. The Guaranteed s are based on policy guarantees and assume timely payment of Contract s each year. The Non-Guaranteed Current Assumptions assume 100% of excess credits are paid. The Non-Guaranteed Mid-Point assumptions assume 50% of excess credits are paid. I understand that this illustration is for illustrative purposes only and nothing herein is a contractual obligation. If there are any discrepancies between this illustration and my contract, the language in my contract will prevail. I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The agent has told me they are not guaranteed. Signature of Proposed Owner Date I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustrations. Signature of Agent Date Page 8 of 15

Policy Details Allstate Whole Life Advantage SM Policy Details $250,000 Initial Death Guaranteed s Non-Guaranteed Assumptions Policy Year Age Contract Death Reduced Outlay Death Reduced 1 41 3,565 0 250,000 0 3,565 4 250,015 15 2 42 3,565 0 250,000 0 3,565 10 250,037 37 3 43 3,565 2,623 250,000 9,731 3,565 2,642 250,074 9,805 4 44 3,565 5,785 250,000 20,748 3,565 5,849 250,231 20,979 5 45 3,565 9,028 250,000 31,301 3,565 9,183 250,538 31,839 6 46 3,565 12,355 250,000 41,427 3,565 12,651 250,993 42,420 7 47 3,565 15,770 250,000 51,149 3,565 16,261 251,592 52,741 8 48 3,565 19,285 250,000 60,512 3,565 20,028 252,330 62,842 9 49 3,565 22,920 250,000 69,575 3,565 23,975 253,203 72,778 10 50 3,565 26,668 250,000 78,319 3,565 28,100 254,207 82,526 11 51 3,565 30,523 250,000 86,741 3,565 32,402 255,342 92,083 12 52 3,565 34,475 250,000 94,827 3,565 36,876 256,605 101,432 13 53 3,565 38,520 250,000 102,583 3,565 41,522 257,994 110,577 14 54 3,565 42,650 250,000 110,008 3,565 46,336 259,507 119,515 15 55 3,565 46,850 250,000 117,097 3,565 51,308 261,143 128,240 16 56 3,565 51,113 250,000 123,854 3,565 56,435 262,897 136,751 17 57 3,565 55,440 250,000 130,304 3,565 61,723 264,767 145,071 18 58 3,565 59,850 250,000 136,492 3,565 67,195 266,752 153,244 19 59 3,565 64,350 250,000 142,437 3,565 72,865 268,847 161,284 20 60 3,565 68,928 250,000 148,136 3,565 78,723 271,053 169,189 21 61 3,565 73,568 250,000 153,585 3,565 84,761 273,368 176,953 22 62 3,565 78,248 250,000 158,777 3,565 90,958 275,793 184,570 23 63 3,565 82,950 250,000 163,707 3,565 97,304 278,328 192,035 24 64 3,565 87,665 250,000 168,383 3,565 103,789 280,971 199,354 25 65 3,565 92,400 250,000 172,836 3,565 110,428 283,722 206,558 26 66 3,565 97,160 250,000 177,084 3,565 117,232 286,584 213,668 27 67 3,565 101,960 250,000 181,150 3,565 124,219 289,548 220,698 28 68 3,565 106,808 250,000 185,059 3,565 131,401 292,612 227,671 29 69 3,565 111,705 250,000 188,813 3,565 138,786 295,775 234,588 30 70 3,565 116,648 250,000 192,417 3,565 146,373 299,035 241,452 Excess credits are included in the Non-Guaranteed Assumptions. View the Excess Credit Option Summary table for further information. Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 9 of 15

Policy Details $250,000 Initial Death Guaranteed s Non-Guaranteed Assumptions Policy Year Age Contract Death Reduced Outlay Death Reduced 31 71 3,565 121,615 250,000 195,873 3,565 154,145 302,394 248,267 32 72 3,565 126,570 250,000 199,160 3,565 162,065 305,852 255,012 33 73 3,565 131,485 250,000 202,277 3,565 170,107 309,417 261,694 34 74 3,565 136,368 250,000 205,233 3,565 178,282 313,082 268,315 35 75 3,565 141,220 250,000 208,051 3,565 186,597 316,852 274,903 36 76 3,565 146,043 250,000 210,733 3,565 195,056 320,725 281,458 37 77 3,565 150,823 250,000 213,287 3,565 203,643 324,697 287,984 38 78 3,565 155,528 250,000 215,704 3,565 212,322 328,770 294,474 39 79 3,565 160,120 250,000 217,975 3,565 221,054 332,951 300,926 40 80 3,565 164,580 250,000 220,096 3,565 229,811 337,236 307,332 41 81 3,565 168,893 250,000 222,080 3,565 238,573 341,626 313,706 42 82 3,565 173,050 250,000 223,934 3,565 247,335 346,128 320,062 43 83 3,565 177,070 250,000 225,672 3,565 256,108 350,733 326,405 44 84 3,565 180,943 250,000 227,293 3,565 264,888 355,449 332,742 45 85 3,565 184,655 250,000 228,802 3,565 273,646 360,269 339,071 46 86 3,565 188,178 250,000 230,201 3,565 282,343 365,196 345,397 47 87 3,565 191,493 250,000 231,484 3,565 290,957 370,239 351,723 48 88 3,565 194,588 250,000 232,657 3,565 299,460 375,391 358,048 49 89 3,565 197,453 250,000 233,713 3,565 307,841 380,663 364,376 50 90 3,565 200,093 250,000 234,676 3,565 316,089 386,047 370,723 51 91 3,565 202,543 250,000 235,549 3,565 324,247 391,540 377,089 52 92 3,565 204,853 250,000 236,359 3,565 332,393 397,159 383,518 53 93 3,565 207,025 250,000 237,110 3,565 340,506 402,884 389,994 54 94 3,565 209,053 250,000 237,801 3,565 348,575 408,714 396,515 55 95 3,565 210,925 250,000 238,430 3,565 356,579 414,653 403,083 56 96 3,565 212,673 250,000 239,018 3,565 364,556 420,700 409,718 57 97 3,565 214,343 250,000 239,566 3,565 372,569 426,849 416,415 58 98 3,565 215,923 250,000 240,080 3,565 380,599 433,102 423,182 59 99 3,565 217,390 250,000 240,546 3,565 388,607 439,462 430,008 60 100 3,565 218,705 250,000 240,969 3,565 396,532 445,933 436,902 Excess credits are included in the Non-Guaranteed Assumptions. View the Excess Credit Option Summary table for further information. Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 10 of 15

Policy Details $250,000 Initial Death Guaranteed s Non-Guaranteed Assumptions Policy Year Age Contract Death Reduced Outlay Death Reduced 61 101 3,565 219,900 250,000 241,345 3,565 404,418 452,518 443,863 62 102 3,565 221,070 250,000 241,718 3,565 412,412 459,215 450,933 63 103 3,565 222,210 250,000 242,076 3,565 420,510 466,027 458,103 64 104 3,565 223,320 250,000 242,418 3,565 428,709 472,956 465,374 65 105 3,565 224,398 250,000 242,744 3,565 437,011 480,002 472,746 66 106 3,565 225,448 250,000 243,068 3,565 445,419 487,166 480,234 67 107 3,565 226,470 250,000 243,374 3,565 453,934 494,451 487,825 68 108 3,565 227,463 250,000 243,676 3,565 462,559 501,858 495,534 69 109 3,565 228,425 250,000 243,967 3,565 471,287 509,388 503,355 70 110 3,565 229,358 250,000 244,238 3,565 480,121 517,043 511,281 71 111 3,565 230,260 250,000 244,508 3,565 489,065 524,824 519,332 72 112 3,565 231,130 250,000 244,767 3,565 498,111 532,735 527,502 73 113 3,565 231,970 250,000 245,007 3,565 507,264 540,775 535,782 74 114 3,565 232,780 250,000 245,248 3,565 516,526 548,947 544,195 75 115 3,565 233,560 250,000 245,472 3,565 525,896 557,253 552,725 76 116 3,565 234,308 250,000 245,685 3,565 535,373 565,695 561,380 77 117 3,565 235,028 250,000 245,895 3,565 544,963 574,275 570,170 78 118 3,565 235,715 250,000 246,096 3,565 554,664 582,995 579,091 79 119 3,565 236,370 250,000 246,279 3,565 564,467 591,857 588,136 80 120 3,565 236,975 250,000 246,445 3,565 574,289 600,806 597,251 81 121 3,565 250,000 250,000 250,000 3,565 608,559 608,559 608,559 Excess credits are included in the Non-Guaranteed Assumptions. View the Excess Credit Option Summary table for further information. Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 11 of 15

Excess Credit Option Summary Allstate Whole Life Advantage SM Policy Details $250,000 Initial Death Excess Credit Option Summary Non-Guaranteed Assumptions Policy Year Age Contract Excess Credit Net Distr Additions Additions Outlay 1 41 3,565 4 0 15 4 3,565 4 2 42 3,565 6 0 37 10 3,565 10 3 43 3,565 10 0 74 20 3,565 2,642 4 44 3,565 44 0 231 64 3,565 5,849 5 45 3,565 89 0 538 155 3,565 9,183 6 46 3,565 136 0 993 296 3,565 12,651 7 47 3,565 185 0 1,592 491 3,565 16,261 8 48 3,565 235 0 2,330 743 3,565 20,028 9 49 3,565 287 0 3,203 1,055 3,565 23,975 10 50 3,565 342 0 4,207 1,433 3,565 28,100 11 51 3,565 399 0 5,342 1,880 3,565 32,402 12 52 3,565 459 0 6,605 2,401 3,565 36,876 13 53 3,565 522 0 7,994 3,002 3,565 41,522 14 54 3,565 587 0 9,507 3,686 3,565 46,336 15 55 3,565 654 0 11,143 4,458 3,565 51,308 16 56 3,565 724 0 12,897 5,322 3,565 56,435 17 57 3,565 796 0 14,767 6,283 3,565 61,723 18 58 3,565 870 0 16,752 7,345 3,565 67,195 19 59 3,565 947 0 18,847 8,515 3,565 72,865 20 60 3,565 1,026 0 21,053 9,796 3,565 78,723 21 61 3,565 1,109 0 23,368 11,193 3,565 84,761 22 62 3,565 1,195 0 25,793 12,711 3,565 90,958 23 63 3,565 1,284 0 28,328 14,354 3,565 97,304 24 64 3,565 1,376 0 30,971 16,124 3,565 103,789 25 65 3,565 1,470 0 33,722 18,028 3,565 110,428 26 66 3,565 1,571 0 36,584 20,072 3,565 117,232 27 67 3,565 1,668 0 39,548 22,259 3,565 124,219 28 68 3,565 1,768 0 42,612 24,594 3,565 131,401 29 69 3,565 1,871 0 45,775 27,081 3,565 138,786 30 70 3,565 1,976 0 49,035 29,726 3,565 146,373 Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 12 of 15

Policy Details $250,000 Initial Death Excess Credit Option Summary Non-Guaranteed Assumptions Policy Year Age Contract Excess Credit Net Distr Additions Additions Outlay 31 71 3,565 2,085 0 52,394 32,530 3,565 154,145 32 72 3,565 2,198 0 55,852 35,495 3,565 162,065 33 73 3,565 2,317 0 59,417 38,622 3,565 170,107 34 74 3,565 2,436 0 63,082 41,914 3,565 178,282 35 75 3,565 2,559 0 66,852 45,377 3,565 186,597 36 76 3,565 2,684 0 70,725 49,014 3,565 195,056 37 77 3,565 2,809 0 74,697 52,821 3,565 203,643 38 78 3,565 2,936 0 78,770 56,795 3,565 212,322 39 79 3,565 3,071 0 82,951 60,934 3,565 221,054 40 80 3,565 3,204 0 87,236 65,231 3,565 229,811 41 81 3,565 3,338 0 91,626 69,680 3,565 238,573 42 82 3,565 3,479 0 96,128 74,285 3,565 247,335 43 83 3,565 3,614 0 100,733 79,038 3,565 256,108 44 84 3,565 3,754 0 105,449 83,946 3,565 264,888 45 85 3,565 3,890 0 110,269 88,991 3,565 273,646 46 86 3,565 4,027 0 115,196 94,166 3,565 282,343 47 87 3,565 4,172 0 120,239 99,465 3,565 290,957 48 88 3,565 4,309 0 125,391 104,872 3,565 299,460 49 89 3,565 4,454 0 130,663 110,388 3,565 307,841 50 90 3,565 4,590 0 136,047 115,996 3,565 316,089 51 91 3,565 4,723 0 141,540 121,704 3,565 324,247 52 92 3,565 4,870 0 147,159 127,540 3,565 332,393 53 93 3,565 4,998 0 152,884 133,481 3,565 340,506 54 94 3,565 5,126 0 158,714 139,523 3,565 348,575 55 95 3,565 5,253 0 164,653 145,654 3,565 356,579 56 96 3,565 5,380 0 170,700 151,884 3,565 364,556 57 97 3,565 5,502 0 176,849 158,227 3,565 372,569 58 98 3,565 5,624 0 183,102 164,677 3,565 380,599 59 99 3,565 5,748 0 189,462 171,217 3,565 388,607 60 100 3,565 5,873 0 195,933 177,827 3,565 396,532 Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 13 of 15

Policy Details $250,000 Initial Death Excess Credit Option Summary Non-Guaranteed Assumptions Policy Year Age Contract Excess Credit Net Distr Additions Additions Outlay 61 101 3,565 5,999 0 202,518 184,518 3,565 404,418 62 102 3,565 6,125 0 209,215 191,342 3,565 412,412 63 103 3,565 6,253 0 216,027 198,300 3,565 420,510 64 104 3,565 6,382 0 222,956 205,389 3,565 428,709 65 105 3,565 6,513 0 230,002 212,614 3,565 437,011 66 106 3,565 6,645 0 237,166 219,972 3,565 445,419 67 107 3,565 6,779 0 244,451 227,464 3,565 453,934 68 108 3,565 6,914 0 251,858 235,097 3,565 462,559 69 109 3,565 7,050 0 259,388 242,862 3,565 471,287 70 110 3,565 7,188 0 267,043 250,764 3,565 480,121 71 111 3,565 7,328 0 274,824 258,805 3,565 489,065 72 112 3,565 7,469 0 282,735 266,981 3,565 498,111 73 113 3,565 7,612 0 290,775 275,294 3,565 507,264 74 114 3,565 7,757 0 298,947 283,746 3,565 516,526 75 115 3,565 7,903 0 307,253 292,336 3,565 525,896 76 116 3,565 8,051 0 315,695 301,066 3,565 535,373 77 117 3,565 8,200 0 324,275 309,936 3,565 544,963 78 118 3,565 8,352 0 332,995 318,949 3,565 554,664 79 119 3,565 8,505 0 341,857 328,097 3,565 564,467 80 120 3,565 8,605 0 350,806 337,314 3,565 574,289 81 121 3,565 7,753 0 358,559 358,559 3,565 608,559 Non-guaranteed benefits and values are based on assumptions subject to change by the company and are not guaranteed. Actual results may be more or less favorable than those illustrated. Please refer to the Policy Overview, Key Terms and Policy pages for guaranteed values and other policy information. Page 14 of 15

Disclosures Allstate Whole Life Advantage SM Disclosures $250,000 Initial Death All guarantees are based on the claims-paying ability of Allstate Life Insurance Company of New York. This illustration is based on our understanding of the current income tax laws. We make no guarantees regarding the tax treatment of your policy or transactions involving your policy. We recommend that you consult with your tax advisor on all tax related matters. Loans, withdrawals or changes to the death benefit can alter your guaranteed life insurance protection. Loans or withdrawals can reduce the policy s cash surrender value and death benefit, 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. Allstate Whole Life Advantage SM is a whole life insurance policy issued by Allstate Life Insurance Company of New York, Home Office: Hauppauge, NY, a wholly-owned subsidiary of Allstate Life Insurance Company, Home Office: Northbrook, IL. Allstate Whole Life Advantage is available with series NYLU796. It may be accompanied by the following riders: Additional Insured Term Insurance Rider (NYLU799), Insurance Rider (NYLU797), Primary Insured Term Insurance Rider (NYLU801), Guaranteed Insurability Rider (NYLU800), Children's Level Term Insurance Rider (NYLU697) and Waiver of Rider (NYLU699). Allstate Life Insurance Company is not responsible, as parent, for the contractual or financial obligations of Allstate Life Insurance Company of New York. Administrative Office: 2940 South 84th Street, Lincoln, NE 68506 Page 15 of 15

The Next Steps Once you ve customized a life insurance plan for your personal needs, here s what to expect: 1. Applying for Insurance Your agent will help you fill out an application along with any other required forms. The application will ask for personal and medical information which will be used to determine your underwriting class. It will also help determine the amount of insurance you are eligible to receive. It is possible to receive temporary insurance coverage during the application and underwriting process. Please talk to your agent to see if you are eligible. 2. Completing the Underwriting Process After you fill out the application, the next step is to complete the underwriting requirements. For a 40-year old applying for $250,000 of coverage, the following requirements are typical: A blood draw and a urine specimen Your build, blood pressure and pulse Allstate Life Insurance Company of New York will request all medical records and exams, as well as cover all of the expenses for the exams. Typically all of this will happen within a few days of the application being received. If your policy is not approved, or you are approved at an underwriting class that is different than you applied for, your agent will discuss your options with you. 3. Reviewing Your Policy Once your policy is approved and issued, your policy will be delivered to you. You will typically receive your policy within 4-8 weeks of completing your application. Your policy contains a free-look provision. If you decide that you don t want your policy during the free-look period, notify either your agent or Allstate Life Insurance Company of New York and you will receive a refund of all premium payments you have made less any outstanding loans or withdrawals. Refer to your contract for details. 4. Reassessing Your Coverage Life changes, and your life insurance needs to keep up. After all, it s one of the most important ways you can protect your family. We recommend contacting Jane W. Life at (800) 455-7890 to review your life insurance needs annually. Page A.1 of A.1 FIN1906A, Version: 1.05

INPUT SUMMARY - ALLSTATE WHOLE LIFE ADVANTAGE INSURED TAB Name Male 40 Class Sex Male Owner Same as Insured Yes Date of Birth 6/1974 Table Rating 0 Age 40 Flat Extra $0.00 Flat Extra Years All Back Dating None CONCEPT TAB Concept Policy Highlights PLAN INFO TAB Solve For Face Amount $250,000 Mode Annual Planned $0.00 Payment Option To Age 121 Excess Credit Option Purchase Additions Non-1035 Lump Sum $0.00 1035 Amount $0.00 Amount of Basis $0.00 1035 Loan Amount $0.00 APUR Match Amount None APUR Annual Amount $0.00 APUR Rider Years 0 Adjust for MEC No Fund with SPIA No Single $0.00 RIDERS TAB CTR Units/Coverage 0 - $0 CTR Years Max GIR Amount $0 PTR Amount $0 PTR Level Period 10-Year WOP No WOP Years Max DISTRIBUTIONS TAB Solve for Level Distribution Type None Withdrawals None Loans None Repayments None For Home Office Use. The Input Report displays values resulting from any searches and solves that have been performed. Please return this sheet to the Home Office along with the illustration and the application. Page 1 of 2

INPUT SUMMARY - ALLSTATE WHOLE LIFE ADVANTAGE AGENT TAB Name Jane W. Life Agency Life Agency Address 1 1234 Main Street Phone Number (800) 455-7890 Address 2 Suite 200 City Any Town State IL Zip 88888-8888 Application Signed in NY REPORT OPTIONS TAB Years of Detail All Revised Illustration No Print NAIC Illustration Yes 5-Year Summaries Yes Print Ledger Only No Cost Indexes Yes Agent Notices Yes Print Next Steps Appendix Yes Text Size Small Run Date 06/12/2014 Input Summary Yes For Home Office Use. The Input Report displays values resulting from any searches and solves that have been performed. Please return this sheet to the Home Office along with the illustration and the application. Page 2 of 2