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Universal Life Insurance

A flexible policy for your family's future

If you want lifelong coverage, but with flexibility down the road, universal life insurance may be a good option. It's life insurance designed to provide protection for the rest of your life while building cash value. This type of permanent life insurance also offers:
  • Death benefit protection

    As long as you pay the sufficient premiums, your protection never ends. Plans start as low as $79.69/mo for $100,000 of Allstate Lifetime UL® for life.1

  • Expanded cash value options for certain policies

    Some universal life policies provide that the cash value can be linked to the broad performance of stock market index funds, but with limits on how much you can gain or lose. Or, you can choose a guaranteed annual return option. It even offers flexibility to have a combination of both.

  • Built-in flexibility

    You can increase or decrease your death benefit to meet your changing financial needs so long as sufficient premium is paid to keep the policy in force.2

Family at table.

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1Terms 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.

2Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information.

This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by 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 issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

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, 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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