ALLSTATE

Allstate Life Insurance Company

3075 Sanders Road, H2C

Northbrook, Illinois 60062-7127

 

COMPANY INFORMATION

Founded in 1931 as part of Sears, Roebuck & Co., The Allstate Corporation (NYSE: ALL) is the largest publicly held personal lines insurance company in the nation.  And as of 1995 the company has been completely independent.  It became a publicly traded company in1993 and at that time its initial offering was the largest in U.S. history.  The Allstate Life Group of Companies is the 17th largest life insurance business in the country.  Allstate provides personal lines insurance services and products through independent agents.   Allstate’s personal property and casualty business has more than 13,000 agents in the U.S. and Canada as well as providing more than 14 million households with insurance.  Allstate Life recorded assets of $32.9 billion and $3.0 billion in capital, surplus and in investment reserves. 

RATING

A.M. Best - A+ (Superior – the best possible rating)

Standard & Poor’s - AA+ (Very Strong)

Moody’s Investor’s Service Aa2 (Excellent)

 

WHAT IS LIFE INSURANCE?

Life insurance is an agreement by an insurance company to pay a specified sum when someone dies. The agreement is a contract between the insured person and the insurance company that provides the insurance. If the insured dies while the life insurance policy is in force, then the life insurance company pays the death benefit according to the beneficiary designations that the insured has provided.

When a life insurance plan is made, it is important to plan for more than simply replacing lost income. A good life insurance plan also covers funeral expenses, payment of outstanding dept, probate costs, childcare expenses, elderly care, and taxes. When children are involved it is also important to plan for their future college expenses as well as your spouse's retirement.

 

IS LIFE INSURANCE NECESSARY?

Life insurance is necessary for peace of mind. It provides the guarantees that your family will be taken care of financially in your absence. Life insurance lets those who depend upon you know that even if you are taken prematurely by an un-foreseen death, you have taken care to provide financial support for your dependents who count on you. Since term life insurance premiums are so affordable it is now a simple matter to protect your families most important asset.... You.

TERM LIFE INSURANCE VS. CASH-VALUE LIFE INSURANCE

Current competition among life insurance companies has dramatically lowered life insurance premiums. A term life insurance policy offering $250,000 worth of life insurance protection that cost $600 a year, just seven years ago, would have an annual term life insurance premium of about $275 today. When we say we can save you 25 - 60% on your term life insurance premiums it is not just marketing hype.



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