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Allstate® Life Insurance

Providing Families with Good Hands® Protection for Over 80 Years

Everyone deserves a secure financial future—and that's why life insurance is so important. Whether you're just starting out or you're getting ready to retire, Allstate can help make sure your loved ones are protected.

Where are you in life?

A lot can happen throughout your life—and as your world changes, so do your life insurance needs.

You dream big. And since you're just starting out as an adult, now's the perfect time to protect the life you have ahead of you—at the best rate possible.

Life insurance can help you:

  • Establish yourself financially
  • Maintain coverage and lower rates even if you change jobs or lose employer coverage
  • Protect co-signers or family from student debt should anything happen to you
  • Ensure the people you love most are protected

You're experiencing some of the biggest and best moments of your life. From expecting a new baby to buying your first house, at this stage, you have a lot to protect.

Life insurance can help you:

  • Provide income to handle expenses if something happens to you
  • Help make sure your family can stay in your home
  • Cover college expenses or pay off education debts
  • Leave money for your family – free from federal income tax

Without a doubt, your first priority in life is taking care of your children. It's a good time to start thinking about their future.

Life insurance can help you:

  • Provide financial stability to help protect the life you envision for your children
  • Cover educational costs and even college
  • Better prepare those who will be counted on to help raise your children should the unthinkable happen
  • Set the foundation for your financial plan and future protection

Whether you're soon to be an empty-nester or are already retired, it's about time to confidently take that next step in life.

Life insurance can help you:

  • Protect co-signers, children or grandchildren from debt should anything happen to you
  • Make sure your future is financially protected
  • Cover unexpected long-term care, or final expenses
  • Leave an inheritance behind

You've been working for this your entire lifetime and with careful planning you're ready to make the most of it. Now's the time to reassess how life insurance can provide security during your golden years.

Life insurance can help you:

  • Pay final expenses. Your loved ones may use the death benefit to help pay for final expenses, such as estate administration and burial costs.1
  • Provide emergency funds. Borrowing or withdrawing from a life insurance policy that carries a cash value may be able to provide some funds when you need it. Such as, if you don't want to redeem investments during a volatile market.2
  • Help replace retirement income. For couples relying on Social Security or a pension, life insurance can help replace that income if you pass away.
  • Help offset unexpected medical costs. If you are diagnosed with a terminal illness, life insurance can help offset medical expenses.3

See how life insurance has changed lives.

Hear from Allstate customers how life insurance offered financial help during tough times.

Life Insurance Stories Video

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Be one step closer to finding the life insurance for you with a quick term life quote.

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How Much Life Insurance Do I Need?

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Financial Calculator

Life insurance can help protect your family financially. That's why it's important to customize your policy based on your needs, your expenses and your assets. In just 5 simple steps, this tool can help you get an estimate of how much life insurance you might need.

Income Replacement

Question 1 of 5

Mortgage Balance

Question 2 of 5

Other Debts and Expenses

Question 3 of 5

Education Expenses

Question 4 of 5

Your Assets

Question 5 of 5

Based on your inputs, you should consider having $0 in life insurance.

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Start over

An Allstate agent can help protect your family's future with life insurance. Contact an agent to discuss what type of policy fits your needs and budget.

Quick tips

  • Term life insurance offers coverage for a set time period. Read more
  • Permanent life insurance provides lifelong protection. Read more
  • Your employer's life insurance might not offer sufficient coverage. Read more
  • Your policy's beneficiary can be a person, charity or trust. Read more
Family at table.

Get a quote in just a few minutes.

Be one step closer to finding the life insurance for you with a quick term life quote.

Get a term life quote

Which policy is right for you?

Whether you're looking for the affordability of term life insurance, the long-lasting protection and cash value of permanent life insurance, or a combination of both, we have options to fit your needs and budget. Let us help find the policy that is right for you.

Type of Life Insurance

Sample rates

Tax-free death benefit

Coverage length

Includes a savings-like feature (cash value) that you can withdraw or borrow against while you're alive8

Offers investment options for your savings-like feature (cash value)

Potential for additional earnings (called excess credits) that provide cash back or add value to your policy9

May be for people who want:

$24.64/mo for $250,000 of Allstate TrueFit® for 20 years4
Rate shown is not available in New York

This feature is available.

10-30 years

-

-

-

Basic Protection

$271.03/mo for $250,000 Whole Life Advantage® for life5

This feature is available.

For life

This feature is available.

No, but cash value increases according to a regular schedule

This feature is available.

Fixed costs

$181.36/mo for $250,000 of Allstate Lifetime UL® for life6

This feature is available.

For life

This feature is available.

No. But there are multiple types of universal life insurance. Some earn a set interest rate, such as Lifetime UL. Some can earn an interest rate that follows the performance of a stock market index.

-

Flexible payments

Rates vary7

This feature is available.

For life

This feature is available.

Yes, you can choose from more than 30 investment funds to create a portfolio

-

Investment Options

Sample rates

$24.64/mo for $250,000 of Allstate TrueFit® for 20 years4
Rate shown is not available in New York

Tax-free death benefit

Yes

Coverage length

10 - 30 years

Includes a savings - like feature (cash value) that you can withdraw or borrow against while you're alive8

No

Offers investment options for your savings - like feature (cash value)

No

Potential for additional earnings (called excess credits) that provide cash back or add value to your policy9

No

May be for people who want:

Basic Protection

Sample rates

$271.03/mo for $250,000 of Whole Life Advantage® for life5
Rate shown is not available in New York.

Tax-free death benefit

Yes

Coverage length

For life

Includes a savings - like feature (cash value) that you can withdraw or borrow against while you're alive8

Yes

Offers investment options for your savings - like feature (cash value)

No, but cash value increases according to a regular schedule

Potential for additional earnings (called excess credits) that provide cash back or add value to your policy9

Yes

May be for people who want:

Fixed costs

Sample rates

$181.36/mo for $250,000 of Allstate Lifetime UL® for life6

Tax-free death benefit

Yes

Coverage length

For life

Includes a savings - like feature (cash value) that you can withdraw or borrow against while you're alive8

Yes

Offers investment options for your savings - like feature (cash value)

No. But there are multiple types of universal life insurance. Some earn a set interest rate, such as Lifetime UL. Some can earn an interest rate that follows the performance of a stock market index.

Potential for additional earnings (called excess credits) that provide cash back or add value to your policy9

No

May be for people who want:

Flexible payments

Sample rates

Rates vary7

Tax-free death benefit

Yes

Coverage length

For life

Includes a savings-like feature (cash value) that you can withdraw or borrow against while you’re alive8

Yes

Offers investment options for your savings-like feature (cash value)

Yes, you can choose from more than 30 investment funds to create a portfolio

Potential for additional earnings (called excess credits) that provide cash back or add value to your policy9

No

May be for people who want:

Investment Options

Easily see what policy is right for you.

Check out our LifeTrek tool. Just answer a few quick questions to help find the life insurance policy for you.

Use LifeTrek

LifeTrek logo.

Life Made Simple Video: Comparing Insurance Types

How does it work?

Once you've chosen the type and amount of life insurance that works for you, you'll complete an application. Here's what to expect:

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Complete an application

Your health and lifestyle will be used to confirm your cost. The better your results, the better your price.

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Take a free medical exam

If needed, we'll pick up the bill for an easy, confidential medical exam. At the end, you'll receive a personalized Allstate Wellness Report.

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Sign and review your policy

We'll finalize your plan based on your application and health exam. Every policy comes with a 30-day money back guarantee and flexible payment options.

Life Made Simple Video: Life Insurance Underwriting Costs

We're a company you can count on

At the moment of truth, you need a company who stands by their promise. With Allstate, you'll have peace of mind in knowing that your loved ones will have expert guidance every step of the way.

85 years

Power in experience

Allstate has spent 85 years helping people protect their financial future

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Truth in ratings

Allstate life companies get consistently solid ratings, earning an A+ credit rating from A.M. Best

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Strength in numbers

Allstate is 79,000 strong, consisting of employees, agents, staff and financial experts ready to help you

Hear from our customers

"My Allstate Agent took the time to sit down with me and explain all of the policy and exactly what it covers. I walked away feeling confident in my decision."

"Easy process getting life insurance. Was able to talk with Jason P on my commute home. We got everything straightened out and by the time I got home I had paperwork to sign in my email."

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1Death benefit may be used for any purpose.

2Partial 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.

3This 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.

4Allstate 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.

5Whole 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 paid to age 121 for a policy not 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.

6Allstate 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 AC13-12 and rider series AC13-13, AC13-14, AC13-19, AC13-20, AC13-17, AC13-16, AC13-18. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676 and rider series NYLU683, NYLU677, NYLU681, NYLU682 and NYLU680. 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.

7Variable 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.

8Loans, 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.

9Excess credits are available with Whole Life Advantage®

Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. Rates quoted are subject to change and are set at the company's sole discretion. Terms and limitations apply. See individual product riders for terms, conditions and restrictions. For costs and complete details of coverage, call an Allstate agency.

Guarantees offered are subject to the claims-paying ability of the issuing company.

This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life Insurance offered through Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance offered through Allstate Life Insurance Company of New York, 878 Veterans Memorial Highway, Suite 400, Hauppauge, New York 11788-3089.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered BrokerDealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website.

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