1Allstate GoodForLifeSM is a flexible premium universal life policy (UL21AF series in most states) issued by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation, Northbrook, IL; in New York, UL21AFNY series issued by Allstate Life Insurance Company of New York, a subsidiary of Allstate Life Insurance Company, Northbrook, IL. Available riders include the Accelerated Death Benefit Rider (ULBR1 series; in New York, ULBR2NY), the Critical Illness (Specified Disease) Rider (UL-CIR1 and UCIR2AF series; not available in New York), the Enhanced Grace Period Rider (UPFRAF series; in New York, UPFRAFNY), and the Accidental Death and Severe Injury Rider (UARAF and UADD1AF series; in New York, Accidental Death and Dismemberment Rider, UADDAFNY series). See riders for terms, conditions and restrictions. Additional costs may apply. Subject to state availability. Please refer to the actual policy for coverage terms, limitations and exclusions. The guaranteed benefits of GoodForLifeSM are dependent on the terms and conditions of your policy. If actual premiums are different in timing or amount than the planned premium, if withdrawals are made or loans taken, or if other changes are made, the benefits may be reduced or coverage may end. Guarantees are based on the claims-paying ability of American Heritage Life and Allstate Life Insurance Company of New York. Allstate Life Insurance Company is not responsible, as parent, for the obligations of American Heritage Life or Allstate Life of New York.
2Return of premium is received when the insured elects a policy surrender at age 65 in exchange for reduced paid-up life insurance in the amount of $15,000 and a return of at least 50% of premiums.
*Assumes Preferred Elite rating class and 10-year level term period. TrueTerm rates shown are monthly rates as of 7/6/2011 and are subject to change. Fixed life insurance issued by Allstate Life Insurance Co.: Northbrook, IL, Lincoln Benefit Life Co.: Lincoln, NE, and American Heritage Life Insurance Co.: Jacksonville, FL. In New York, issued by Allstate Life Insurance Co. of New York: Hauppauge, NY.