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Life Insurance Made Simple

Learn about life insurance policies in this easy-to-understand guide.

About Permanent Life Insurance

Life insurance is a reliable way to help you provide financial security for those who count on you — even when you can't be there for them. Permanent life insurance is a great choice because it offers:

  • Lifelong protection
  • The ability to build cash value
  • Flexibility to adjust your policy if your needs change

With each payment you make to a permanent life insurance policy, part of your premium goes toward insuring your life, and part goes toward building cash value. In some ways, permanent life insurance is like buying a home. When you make the required payments, it can last a lifetime. It can build cash value that can be used to take a loan, make a withdrawal or even skip a payment.1

With most Allstate life insurance policies, you get recommendations for leading a healthier, happier life with a personalized wellness report.

Life Insurance Tools & Resources

Whole Life Insurance
Universal Life Insurance
Variable Universal Life Insurance
Indexed Universal Life Insurance

VIDEO: Understanding Life Insurance's Cash Value Feature

VIDEO: Comparing Life Insurance Types

1Loans or partial withdrawals can reduce the policy's cash value and death benefit, increase the possibility of policy lapse and may result in a tax liability. Consult a tax advisor for more information on the tax treatment of loans or withdrawals from a life insurance policy.

Please note that this website is only a summary of life insurance, written to illustrate in general terms how a policy works. A life insurance policy, is the legal contract that contains the terms and limitations of your policy. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. The issuing insurance company is not responsible, as parent, for the obligations of Allstate Life Insurance Company of New York.

All guarantees are based on the claims-paying ability of the issuing insurance company.

Certain property and casualty insurance offered through Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company: Northbrook, IL; Allstate County Mutual Insurance Company: Irving, TX; Allstate New Jersey Insurance Company: Bridgewater, NJ. 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.

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 St., Lincoln, NE 68506, 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website.

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.

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