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Allstate TrueFit®

Flexible Life Insurance Options — Allstate TrueFit®

From starting a family to buying a home, your life is full of changes. Allstate 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 TrueFit Works.

To get a better understanding of how 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 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.

Divider image.

$1,000,000 of coverage for 30 years with a level premium of 100.76 per month*

typical policy over time.

Unlike TrueFit, a typical term life insurance policy protects Jeff and Debbie across the board at the same price for 30 years. Only a 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 36%2 over a level term policy as a result.

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

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

You can help protect your family and your wallet with affordable life insurance. 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, from 10 years up to 30 — 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 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 are calculated based on a male, age 35, using a Preferred Elite underwriting classification for a 30-year, $1,000,000 level TrueFit compared to a TrueFit that has a $400,000 base policy for 26 years and three additional layers ($225,000 for 10 years; $125,000 for 13 years; $250,000 for 20 years) 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.

Life insurance offered through Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; Lincoln Benefit Life Co., 1221 N St. Ste 200, Lincoln NE 68508; 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, Hauppauge NY.

Terms and limitations will apply. Rates shown are monthly as of May 16, 2016. Allstate 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 may be accompanied by the following riders ICC14AC2/AC14-2, ICC14AC3/AC14-3, ICC14AC12/AC14-26, ICC14AC11/AC14- 24, ICC14AC10/AC14-11, and ICC14AC13/AC14-25. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract/series NYLU818 and may be accompanied by the following riders 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. Rates shown are for the Preferred Elite underwriting class; rates for other underwriting classifications would be higher. Rates quoted are subject to change and are set at the company's sole discretion. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those show 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. For costs and complete details of coverage call an Allstate agency.

Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.

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