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Permanent Life Insurance

Coverage for life's every moment

Permanent life insurance can provide the security of lifelong protection, a tax-free death benefit and can also build cash value over time. Allstate has three types of policies: whole, universal and variable universal.

With whole life insurance you'll have:

  • Guaranteed growth potential

    Cash value increases regardless of market conditions.

  • The potential to earn excess credits1

    For a Whole Life Advantage® policy, these earnings can be received in cash, accumulated at interest, used to buy additional life insurance or to help reduce premium payments or pay outstanding loans.

  • Fixed premium payments

    Enjoy paying the same amount over time starting at $136.68/mo for $100,000 of Whole Life Advantage® for life.2

With universal life insurance you'll have:
  • Cash value with downside protection

    Lower your risk by building cash value with downside protection.

  • A flexible policy

    Ability to adjust your plan over time.3

  • Flexible rates & pricing

    Pay as little as $79.69/mo for $100,000 of Allstate Lifetime UL® for life.4

With variable universal life insurance you'll have:
  • Full market participation

    There are no limits on upside investment gains or downside losses.

  • The widest range of investment options

    Choose from five Morningstar asset allocation funds and 29 subaccount options with FutureVest VUL®5.

Rates vary for this type of life insurance. Contact a life insurance expert for details

Life Made Simple Video: Comparing Insurance Types

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1Excess credits are available with Whole Life Advantage®.

2The monthly rate shown is for Preferred Elite based on a Male, age 37, premuims paid until age 121. Whole 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 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. Rate differs for a policy in NY.

3Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information.

4Terms and limitations will apply. Guaranteed premiums shown are monthly as of January 1, 2020. Premiums quoted for new business are subject to change and are set at the company's sole discretion. Allstate Lifetime UL® flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook IL 60062 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. Policy issuance is subject to availability and qualifications. Product is not available in NY. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. Premiums shown are for a 35 year-old male, Preferred Non-smoker.

5Allstate FutureVest VUL® is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook, IL 60062 and is available in most states with contract series ICC16AC3/AC16-2 and rider series ICC14AC16/AC14-17, ICC14AC15/AC14-15, ICC14AC23/AC14-16, ICC14AC17/AC14-18, ICC14AC18/AC14-10, ICC14AC19/AC14-8, and ICC14AC20/AC14-9. Allstate FutureVest VUL® is a flexible premium variable adjustable life insurance policy issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract NYLU16-2 and may be accompanied by the following riders NYLU16-3, NYLU14-4, NYLU14-3, NYLU682-1, NYLU680 and NYLU683.

Rates quoted are subject to change and are set at the company's sole discretion. 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.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA and 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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