Life Stage: Starting Out
Finally, your adult life begins: new career; new place to call your own; and all the trappings of starting an exciting life. Now that you're on your own, it's time to start thinking about the grown-up things in life such as: planning for your financial future and protecting the financial future for the ones you love. Even when you're young, it's never too early to start thinking about life insurance. Why think about life insurance? If the unexpected happens, life insurance can help your loved ones pay funeral expenses, and in some cases—depending on your policy amount, can leave additional money for your family members or even that local charity that you support. When you think about it, life insurance is just another way to show that you're an adult now, and that you think about the grown-up things in life. Start protecting the ones you love—today, with life insurance.
Take a few minutes to educate yourself about life insurance. There are two types of life insurance:
Term Life Insurance—affordable life insurance that offers a variety of terms to meet your needs. Term life insurance is a simple way to help protect the ones you love. When you're Starting Out, term life insurance can be a good choice because it is generally affordable—ideal for you if you have a limited budget. One of the great things about some term life insurance policies is that you can convert it to a permanent life insurance policy when you have more flexibility in your budget.
Permanent life insurance—designed to last a lifetime, helps provide the financial security you want and has cash value benefits you need.
Is life insurance affordable? Yes, it can be. See for yourself. Get a term life quote. Or, if you're thinking about permanent life insurance, start by contacting an Allstate financial professional for a complimentary, no obligation, life insurance needs analysis. It's a quick way to start your path to protecting what matters most. To prepare you for your visit with an Allstate financial professional, we've provided this helpful Life Insurance Needs worksheet to give you a general sense of how much life insurance you need.
Life Insurance Tools and Resources
Calculator- How much life insurance do you need? Use this simple calculator to get an idea.
Article- Facts about Life Insurance. There are a lot of half-truths and rumors about life insurance. Get the facts.
Resource- The (Life & Health Insurance Foundation for Education) LIFE Foundation is another resource to learn more about life insurance.
Quote- Get a Term Life Insurance Quote Today
Variable universal life insurance products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a policy or investing money. Variable universal life insurance policies have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. To obtain a replacement prospectus or a copy of the underlying portfolio prospectuses, please contact your Allstate Personal Financial Representative, or call Allstate Life Insurance Company at 800-203-0068 for more information. Please read the product prospectuses carefully before purchasing a policy or sending money.
ALLSTATE LIFE INSURANCE COMPANY (ALIC), HOME OFFICE, NORTHBROOK, IL. ALIC IS NOT LICENSED IN AND DOES NOT DO ANY INSURANCE BUSINESS IN NEW YORK. IN NEW YORK, ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK, HAUPPAUGE, NY.
The Life and Health Insurance Foundation for Education is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families' financial futures.