Life insurance — it's protection for your family
and peace of mind for you.
It's amazing when you really stop and think about all the effort you put into protecting your family. You provide a roof over their head, a safe, loving environment and the encouragement to tackle each day confidently. You do all this naturally because you love them. Life, unfortunately, doesn't give us any guarantees that we'll always be around to provide for our loved ones. That's where life insurance can help. It helps provide some financial security in the event of the unthinkable. With each monthly payment you know you're helping to protect your family with a way to help cover medical bills, funeral costs, mortgage or rent, college tuition and many other living expenses. That's peace of mind for you knowing that regardless of what happens, you've provided for them.
Find an affordable life insurance solution today that's right for you.
Life insurance can be very affordable, even when you have a tight budget. But the key is starting early in life when you are healthy. Allstate makes it easy to find the right solution for you by understanding more about your life and your overall financial goals.
Talk to an Allstate Personal Financial Representative to learn more or get a simple explanation below to help you decide if term life insurance, permanent life insurance or GoodForLife
SM insurance offers the best protection for you.
Term Insurance
Permanent Insurance
GoodForLife
Compare
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Term Insurance
Dependable, low-cost protection.
- Provides coverage for a specific period of time.
- Often the most affordable life insurance option.
- Payment amounts don't change for the guaranteed premium period.
Learn more about term insurance
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Permanent Insurance
Lifetime protection with flexible coverage options.
- Provides coverage that will last your lifetime.
- Typically more expensive than term insurance.
- Accumulates cash value that you can access when it's available.
Learn more about permanent insurance
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GoodForLife1
Life insurance plus critical illness and severe accident benefits in one affordable protection solution.
- Provides coverage that can change as your needs do.
- Choose an amount of coverage based on your needs or budget.
- Pays you $10,000 if you become critically ill or have a severe accident.
- Get half your money back when you turn 65.2
Learn more about GoodForLife insurance
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| Term Life |
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Permanent Life |
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GoodForLife |
| Dependable, low-cost protection. |
|
Lifetime protection with early cash withdrawal options. |
|
Life insurance plus critical illness and severe accident benefits in one affordable protection solution. |
| Provides coverage for a specific period of time. |
|
Provides coverage that will last your lifetime. |
|
Provides coverage that can change as your needs do. |
| Often the most affordable life insurance option. |
|
Typically more expensive than term insurance. |
|
Provides $10,000 if you become critically ill or have a severe accident. |
| Payment amounts don't change for the guaranteed premium period. |
|
Accumulates cash value that you can access. when it's available. |
|
Get half your money back when you turn 65. |
| Learn more about term insurance > |
|
Learn more about permanent insurance > |
|
Learn more about GoodForLife insurance > |
Buying Life Insurance for the First Time?
Follow four easy steps to get started.
Talk to an Allstate Agent near you to help evaluate your life insurance needs together. This can make it easy to understand why you need life insurance, how much you need to protect your family, what type is best for you and how you can fit it into your budget.
Use the How much life insurance do I need calculator to get an idea of how much coverage you need to protect your family's way of life if something were to happen to you.
Start looking at which type of life insurance is best for you. Explore the charts above or visit the Life Tracks section, which helps point you in the right direction based on the milestones and events in your life.
If you already know that you need term life insurance, get a term life insurance quote now.
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.