1Allstate TrueFit® is a term life insurance to age 95 policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC14AC1/ AC14-1 and rider series ICC14AC2/AC14-2, ICC14AC3/AC14-3, ICC14AC12/AC14-26, ICC14AC11/AC14- 24, ICC14AC10/AC14-11, ICC14AC13/AC14-25. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU818 and rider series NYLU819, NYLU820, NYLU825, NYLU826, NYLU824, and NYLU745. The premiums will be the same for the level term period selected. Beginning with the anniversary following the level term period, the company reserves the right to change premium rates each policy year, but rates cannot be more than the maximum guaranteed amounts stated in the policy. The monthly cost shown is based on a male, age 37 Preferred Elite underwriting class for a policy not issued in NY; rates for other underwriting classifications would be higher. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here. Premium may be paid annually, semi-annually, quarterly or monthly; premium paid may differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested.
2Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Road, Northbrook IL 60062 and is available in most states with contract series ICC18AC22 / NC18AC17 and rider series ICC14AC16/AC14-17, ICC14AC15/AC14-15, ICC14AC23/AC14-16, ICC18AC23/NC18AC18, ICC14AC17/AC14-18, ICC18AC24/NC18AC19, ICC19AC2/NC19AC3. The monthly cost shown is based on a male, age 37 Preferred Elite underwriting class; rates for other underwriting classifications would be higher. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here. Premium may be paid annually, semi-annually, quarterly or monthly; premium paid may differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested.
3Whole Life Advantage® is a whole life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC18AC1/NC18AC1 and rider series ICC18AC2/NC18AC2, ICC18AC7/NC18AC7, ICC18AC4/NC18AC4, ICC18AC5/NC18AC5, ICC18AC6/NC18AC6, ICC18AC8/NC18AC8, ICC18AC9/NC18AC9. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY, and is available with contract series NYLU18-1 and rider series NYLU18-2, NYLU18-7, NYLU18-4, NYLU18-5, NYLU18-6, and NYLU18-8. The monthly cost shown is based on a male, age 37 Preferred Elite underwriting class, premiums paid to age 121; rates for other underwriting classifications would be higher. Rate differs for a policy in NY. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here. Premium may be paid annually, semi-annually, quarterly or monthly; premium paid may differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested.
4Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a policy. These policies have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. To obtain a replacement prospectus or a copy of the underlying portfolio prospectuses, please contact the issuing insurance company. Please read the prospectus carefully before purchasing a contract.
5Loans, if not repaid, and withdrawals reduce the contract's death benefit and cash value. Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawal exceeds your investment in the contract, which is also called the "basis". In some situations, partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. If a policy is a modified endowment contract, loans are treated as a taxable distribution to the extent of policy gain. Loans, withdrawals and surrenders 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.
6Death benefit may be used for any purpose.
7Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawal exceeds your investment in the contract, which is also called the "basis". In some situations, partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. If a policy is a modified endowment contract, loans are treated as a taxable distribution to the extent of policy gain. On a modified endowment contract, loans, withdrawals and surrenders 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. Loans, if not repaid, and withdrawals reduce the policy's death benefit and cash value.
8This feature is accessible through the accelerated death benefit rider on some life insurance policies. Please see riders 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 may 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.
