TrueTermSM With TrueFit


Flexible Life Insurance Options — TrueTerm℠ with TrueFit

From starting a family to buying a home, your life is full of changes. TrueTermSM with TrueFit is term life insurance protection specially designed for your changing needs. This unique policy available exclusively from your Allstate agent lets you add targeted layers of life insurance protection based on your individual financial situation and also provides:

  • Personalized protection to fit your family’s needs and budget.
  • Customization to help lower costs as your policy needs change.
  • Flexibility to add options to maximize coverage for your whole family.

How TrueTerm With TrueFit Works.

To get a better understanding of how TrueTerm with TrueFit can be personalized to fit your needs, let’s look at the example of Jeff and Debbie, ages 35 and 32. Using a $1,000,000 initial policy, the chart below demonstrates how they can layer their coverage with a 26-year-policy and save over time when compared to a typical term life insurance policy.

expenses chart

A look at a personalized TrueTerm with TrueFit policy over time:

Although death benefits can be used for any purpose, the chart below shows how you can layer coverage.

personalized policy over time


$1,000,000 of coverage for 30 years with a level premium of 100.19 per month*


typical policy over time


1This example is hypothetical for illustrative purposes only. Premium is based on a male, age 35, preferred underwriting class.

Unlike TrueTerm with TrueFit, a typical term life insurance policy protects Jeff and Debbie across the board at the same price for 30 years. Only a TrueTerm with TrueFit policy lets them pay for the protection they need, when they need it. Their premium can start at $62.48 per month1 and decrease over time, saving them up to 37%2 over a level term policy as a result.


Here's another way to look at how it works:

You can help protect your family and your wallet with affordable life insurance. TrueTerm with TrueFit lets you select coverage in one-year increments, not just five- or ten- year increments like other term life insurance. You can choose any length of time up to 30 years — for your policy. If you only need 26 years of protection, then you can get a policy for 26 years — no more, no less.


Start Creating Your Personalized Policy.

Only TrueTerm with TrueFit offers you a wide range of options and flexible coverage to fit your needs. Contact an Allstate agent to start creating your policy today.

2Savings is calculated based on a Male, age 35, using a Preferred Elite underwriting classification for a 30 year, $1,000,000 level TrueTerm and a TrueTerm with TrueFit that has a $400,000 base policy for 26 years and three additional layers of protection for a total of $1,000,000 in coverage.

Please see rider for terms, conditions and restrictions. Additional costs may apply. Subject to state-specific terms and availability.

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.

All guarantees are based on the claims-paying ability of the issuing insurance company.

TrueTermSM is a term life insurance policy issued by Lincoln Benefit Life Company, Home Office: Lincoln, NE. TrueTerm is available in most states with contract series LP0600-1 and rider series LR1201, LR0601, LR0603, LR0806, LR0604 and LR0605. This policy has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination or other contractual rights and benefits.

In New York, TrueTermSM is a term life insurance issued by Allstate Life Insurance Company of New York, Hauppauge, NY. TrueTerm is available with contract series NYLU757-1 and rider series NYLU785, NYLU758, NYLU668, NYLU745, NYLU669, and NYLU670. This policy has exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.

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