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Safeguard Your Family's Future.

Whole life insurance is the simplest type of permanent guaranteed life insurance. It can help you protect your family in the future and accumulate money over time. Talking to an Allstate personal financial representative can help you understand the different features of various whole life insurance policies. Whole life insurance policies offer you features like:

  • Death Benefit: The death benefit is the amount the policy that is paid to beneficiaries as long as the premium payments are made.
  • Lifetime Coverage: Whole life insurance offers protection for your lifetime as long as your payments are made. Your premiums are guaranteed to stay the same and your coverage level won't change, so you can rest assured that you're covered throughout every phase of your life.
  • Cash value: You can build cash value over time because whole life insurance policies offer a savings component. This cash value will increase regardless of market conditions. You can access the money you've accumulated; however, keep in mind that taking a loan or withdrawal from your policy could reduce the surrender value and affect the amount your beneficiaries would receive if something were to happen to you.
  • Options: If you choose Whole Life Advantage, it has additional features called "excess credits," which can help your policy build cash value.

Whole Coverage For Your Whole Life.

Life doesn't come with guarantees, but whole life insurance does. You can expect a guaranteed death benefit, guaranteed cash value accumulation and payments that are guaranteed to stay the same. Learn more about whole life insurance and see how a whole life insurance policy can help you protect your loved ones' future.

Allstate Whole Life Advantage is not available in New York.

Still have questions about whole life insurance? An Allstate personal financial representative can help you find answers.

This 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 Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY. All guarantees are based on the claims-paying ability of the issuing insurance company.

Allstate Whole Life Advantage is a whole life insurance policy issued by Allstate Life Insurance Company, Home Office: Northbrook, IL. Allstate Whole Life Advantage is available in most states with series LU11040 or form ICC12A1 and may be accompanied by the following riders: Primary Insured Term (LU11045 Series/Form ICC12A6), Additional Insured Term (LU11043 Series/Form ICC12A4), Paid-Up Insurance (LU11041 Series/Form ICC12A2), Children's Level Term(LU11042 Series/Form ICC12A3), Waiver of Premium (LU11051 Series/Form ICC12A11), Guaranteed Insurability (LU11044 Series/Form ICC12A5), Accelerated Benefit for Terminal Illness (LU11048 Series/Form ICC12A9), and Accelerated Benefit for Chronic Illness (LU11046 Series/Form ICC12A7). Not available/not for use in New York.

Whole Life II is a fixed premium life insurance policy issued by Lincoln Benefit Life Company; Home Office: Lincoln, NE. In New York, Whole Life II is issued by Allstate Life Insurance Company of New York, Hauppauge, NY. Whole Life II is available in most states through contract series LP0720 and in New York, contract series NYLU696.

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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