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Disclosure, Agreement and Consent to Conduct Business Electronically

En Español
Updated: January 2019

To transact business electronically with us, as well as receive your current and future insurance related documents electronically, you must read and agree to the following terms and conditions. Insurance related documents (collectively referred to as "Communications") include, but are not limited to:

Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;

Bills, billing notices, payment schedules or any other correspondence related to premium payments;

Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;

Any other documents related to your insurance transactions with us.

By accepting these Terms and Conditions you agree that Allstate may discontinue sending paper documents and provide Communications to you electronically. However, we may continue to send certain insurance related documents via paper as required by law, or as determined by us in our sole discretion.

Allstate may offer different options or programs for documents that will be delivered electronically. Allstate's eBill and ePolicy are distinct programs which you must enroll in separately. By enrolling in any Paperless Program, and accepting these terms and conditions, you also agree to accept the Allstate Electronic Presentment services on an "AS-IS" basis. Allstate does not guarantee that services will be without defect or flaw and Allstate will not be held responsible for any loss associated with the use of this service.

Paperless Terms:

You have indicated your desire to conduct business electronically with our companies. This includes electronically receiving and signing Communications such as: documents relating to your insurance and other transactions (current and future); documents relating to a claim (current or future); and all billing documents.

This Disclosure, Agreement and Consent to Conduct Business Electronically applies to all Communications that may be given to you, and in some cases signed and returned to us, as part of an insurance transaction. By agreeing to these Terms and Conditions, you are agreeing, unless the policy is a life insurance policy, that you have the authority to receive these documents electronically on behalf of all insureds under your policy. Electronic delivery of life insurance policy Communications will only be provided to the individual agreeing to these Terms and Conditions. Regardless of your enrollment selection, you are required to timely pay all paper or electronic bills you are sent.

The words "we," "us," and "our" means Allstate, its affiliates, subsidiaries, parent companies, or any unaffiliated company for which Allstate provides policyholder administrative services. The words "you" and "your" mean you, the individual(s) who desires to transact business or process a claim electronically, as well as any named or additional insured under your policy, unless the policy is a life insurance policy. For a life insurance policy, the words "you" and "your" mean you, the individual who desires to transact business or process a claim electronically.

1. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) via e-mail; or (2) by your accessing a website that we will designate in an e-mail notice we send to you at the time the information is available. You will need a username and password that you created to access this website.

2. How to Withdraw Consent. You may un-enroll from eBill or ePolicy by indicating your preference in My Account, which is accessible through www.Allstate.com. You may withdraw your consent to transact business electronically and have all your policies un-enrolled from our Paperless Programs by contacting your Allstate agent or contacting us at 1-800-ALLSTATE. At our option, we may treat an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to transact business electronically. If, however a discount is given now or in the future for conducting business electronically, a withdrawal of consent could result in the removal of any such discount. A withdrawal of your consent to transact business electronically will be effective only after we have had reasonable time to process your request.

3. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to these Terms and Conditions and your insurance policies, and to promptly update or notify us of any changes in this information. You can update your information (such as your e-mail address) in My Account, which is accessible through www.Allstate.com or at 1-800-Allstate®. If we are unable to consistently deliver email notifications successfully, you will be automatically unenrolled from the Paperless Program.

4. Automatic eBill Unenrollment. You will automatically be unenrolled from Allstate eBill if you choose to have your policy paid by your Mortgagee.

5. Hardware and Software Requirements. In order to receive, access, view, sign and retain electronic Communications that we make available to you, you must have a personal computer or electronic device with internet connectivity and each of the following:

  • Browser support of Internet Explorer 10.0 or higher, Firefox 59 or higher, Safari 10 or higher, Chrome 54 or higher;
  • Ability to view the disclosures on your monitor, which can be done with your internet browser;
  • Sufficient electronic storage capacity on your computer's hard drive or other data storage unit; and
  • A valid e-mail account with an Internet service provider.

We will update you if there are any changes to the hardware or software requirements that could impact your receiving or signing electronically delivered Communications.

6. Requesting Paper Copies. You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact your Allstate agent or contact us at 1-800-ALLSTATE. There is no charge associated with requesting a paper copy of a Communication we sent you electronically. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

7. Mandatory Paper Copies of Electronic Communications. We will not send you a paper copy of electronic Communications unless you request it, we otherwise deem it appropriate to do so, or in some instances where we are required by law to send paper copies of documents. While you may elect to receive electronic Communications from us, depending on state law, there may be documents and Communications that we need to provide to you in paper form.

8. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." It is within your discretion to print or download any electronic Communications, including these Terms and Conditions, for your records.

9. Law. You acknowledge and agree that your consent to transact electronic business is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and your state's UETA law.

10. Termination Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications or transact business electronically. We will provide notice of any such termination or changes.

11. Confirmation. You will receive a confirmation email from us once you consent to transacting business electronically with us. You should contact us if you do not receive this confirmation email within 5 business days.

By agreeing to these Terms and Conditions, you are acknowledging that you have read and understood the disclosures and agreements above, intend to enroll in a Paperless Program and that you are able to receive, access, view, sign and retain electronic Communications pursuant to the Hardware and Software Requirements noted above.

Property insurance in Florida is issued by Castle Key Indemnity Company, St. Petersburg, FL. Castle Key Indemnity Company is reinsured by Castle Key Insurance Company. Please note that while Castle Key companies are separate and distinct from other companies within the Allstate group, Allstate Insurance Company has a contractual arrangement with Castle Key companies to provide customer service to Castle Key policyholders.

Allstate is an administrator for Lincoln Benefit Life Company ("LBL"); the companies are not affiliates. Allstate has a contractual arrangement with LBL to provide customer service to certain LBL policyholders. Each company is solely responsible for its financial obligations.
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