Allstate® Retirement & Investments

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Reach Your Financial Goals.

Sometimes life can get in the way of saving for your future, and it's hard to know how to prioritize your goals. Allstate agents offer a variety of choices to help you and your family put your financial goals within reach.

When building a financial plan, there are a few steps you can take to help make the process easier. Start with your current financial situation and assess how you're budgeting and saving. Then think about your goals and priorities and turn them into simple, achievable goals. Having a conversation with an Allstate personal financial representative can help you put together a big-picture strategy for your financial future.

Get Help Building Your Financial Plan.

There's a lot to know when preparing for retirement or making a financial plan. Learn more about the financial solutions and options available so you can make an informed decision about your future:

  • 529 College Savings Plan: Each state chooses an investment company to manage its plans, but you can participate in any state's plan. You can have funds automatically set aside for your tax-free savings, so you can cover the cost of tuition and books down the road.1
  • Annuities: Build your retirement savings with this long-term investment. Allstate agents offer various types of annuities that can offer tax-deferred growth with the potential for guaranteed income in retirement.
  • Individual Retirement Accounts (IRAs): Help your retirement savings grow faster than similar taxable investments with IRA options such as Traditional IRAs, Roth IRAs or Rollover IRAs.
  • Mutual Funds: Save for retirement or college with a mutual fund managed by professional financial advisors. Determine your savings plan based on objectives like your savings goals and your ability to handle risk.
  • Life Insurance: Life insurance may not be top of mind when you're thinking about building a financial plan, but permanent life insurance offers a cash value investment feature for you to withdraw from or borrow against under certain circumstances.2

Your GOOD HANDS® Team Can Help.

Have questions or want to learn more about building your financial plan? Talk to an Allstate personal financial representative and take a look at the glossary.


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Our Agents Are Here For You.

An Allstate agent can answer your questions and make sure you understand your retirement and investment needs by:

  • Helping you create a financial plan based on your unique goals and needs.
  • Answering questions you might have about different retirement and investment plans.
  • Showing you where to find helpful tips on financial planning.

Find an Allstate personal financial representative now to start a conversation about Allstate savings and investment options.



Get Help Planning Your Financial Future.

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Permanent Life Insurance Made Simple.

Get a better understanding of your permanent life insurance options from Allstate.


Learn more



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Should I Wait Until I'm Out Of Debt To Save For Retirement?

In a nutshell? Probably not. Being in debt is tough enough without also worrying that it will affect your retirement years—or even keep you from retiring.

Get the full story

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1 Please note that Allstate Life Insurance Company or its agents and representatives cannot give legal or tax advice. The brief discussion of taxes on this page may not be complete or current. The laws and regulations are complex and subject to change. For complete details consult your attorney or tax advisor.

2 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 (MEC). However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. Unpaid interest on loans is added to the loan principal, thereby increasing the total debt on the policy. The combination of an increasing loan balance and deductions for contract charges and fees may cause the policy to lapse, triggering ordinary income tax on the outstanding loan balance to the extent it exceeds the cost basis in the policy. Loans, if not repaid, and withdrawals reduce the policy's death benefit and cash surrender value.

Variable annuities are long-term investments designed for retirement purposes. You should carefully consider the investment objectives, risks, charges and expenses of the investment options before purchasing a contract or investing money. These contracts have limitations and are sold by prospectus only. The prospectus contains important information about the annuity contract, including fees and charges, investment options, death benefits, and annuity payout options. Optional income riders carry additional costs and may have limitations or restrictions. To obtain a prospectus or the underlying portfolio prospectuses, please contact your Allstate Personal Financial Representative. Please read the product prospectuses carefully before purchasing a contract or sending money. Guarantees offered are subject to the claims-paying ability of the issuing company.

Please note that Allstate Life Insurance Company or its agents and representatives cannot give legal or tax advice. The brief discussion of taxes on this page may not be complete or current. The laws and regulations are complex and subject to change. For complete details consult your attorney or tax advisor.

You should carefully consider the investment objectives, risks, charges and expenses of mutual funds before purchasing shares or investing money. Additional information about these and other subjects can be found in the mutual fund prospectus. To obtain a prospectus, please contact your Allstate Personal Financial Representative. Please read the prospectus carefully before purchasing shares or sending money.

You should carefully consider the investment objectives, risks, charges and expenses of 529 college savings plans before purchasing or investing money. Additional information about these and other subjects can be found in the Plan Description. You may obtain copies of the Plan Description from your Allstate Personal Financial Representative. Please read the Plan Description carefully before purchasing or sending money.

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. Life insurance issued by Allstate Life Insurance Company, Home Office, Northbrook, IL; Allstate Assurance Company, Northbrook, IL. In New York, Allstate Life Insurance Company of New York, Hauppauge, NY.

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