Life insurance. Protection for your Life.

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Life insurance. Protection for your Life.
How do I know if
Allstate Whole Life
Tribute is the right
insurance for me?
SM
Almost every adult between 18-90 with
family responsibilities should have some
permanent life insurance, especially if:
ALLSTATE
WHOLE LIFE TRIBUTE
We’re here for you.
You can count on your Allstate Agency to be
there for you with unique solutions and personal
service to help you protect your family and
achieve your lifelong dreams.
To learn more, call or visit your
Allstate Agency today.
• You’re married or plan to marry
• You have children or grandchildren
• You have aging parents who depend
on you financially
Shape your insurance
to fit your life.
Your Allstate Agency can conduct a
complimentary review of your life insurance
coverage to help you make sure that your
family is protected.
Personalized Wellness Report
As an Allstate customer, you will receive
a personalized action plan based on the
results of your medical screening.
This report will help you understand your
results and provide tips and information
about your own health. To learn more,
contact your Allstate agent.
All guarantees are based on the claims-paying ability of the issuing
insurance company.
Allstate Whole Life TributeSM is whole life insurance issued by
Allstate Assurance Company, Northbrook, IL and is available
in most states with contract/series ICC15AC1/AC15-1 and rider/
series ICC15AC2/AC15-2; ICC15AC3/AC15-3; ICC15AC4/AC15-4.
In New York issued by Allstate Life Insurance Company of New
York, Hauppauge, NY and is available with contract NYLU15-1
and riders NYLU15-2; NYLU15-3; NYLU700. Policy issuance is
subject to availability and qualifications. This policy has exclusions,
limitations limitations and terms that may affect coverage, renewal,
cancellation, termination, or other contractual rights and benefits.
©2015 Allstate Insurance Company,
2775 Sanders Rd, Northbrook, IL 60062
ALR5068 (CWNY) 08/15
allstate.com
Life insurance.
Protection for
your Life.
SM
Guaranteed benefits
when you need them
most.
What if you could help make sure your loved
ones are not burdened with additional expenses
at the end of your life. None of us really wants to
think about this. But life can be unpredictable.
And at a time when your family will have so
much to deal with, wouldn’t it be good to know
that they have some financial security?
Guarantees that give
you peace of mind.
Personalize your policy with
additional features.3
Death benefits are generally excluded from
probate and are, in most cases, income-tax free.
So your loved ones receive the death benefit
without delays, taxes or extra legal costs.2
Living Benefits:*
If you are diagnosed with a terminal illness
with a life expectancy of 12 months or less,
you may be allowed to access a portion of
your death benefit early.4
And you’ll never have to worry about your
premium going up. It is set at a fixed rate,
guaranteed never to increase over the life
of the policy.
Allstate Whole Life Tribute is permanent life
insurance that provides:
It’s easy to design Allstate Whole Life Tribute
to fit your needs and budget:
• Affordable, customizable coverage
• Choose your coverage amount — from
$10,000 to $50,000
• Guaranteed death benefits and a price that
never increases
• Cash value accessible through policy loans1
• Access to additional riders
And, based on your answers to the health
questions on the application, you may not
require medical screening if you are under
age 46.
• Choose a payment plan that fits
your budget — Allstate offers a variety of
payment options to fit within your budget.
The option to pay by credit card is also
available.
Additional Benefits:*
Children’s Level Term Rider
You can obtain life insurance coverage for
your children under age 18.
*These benefits assume that you-the policyholder-are also the
insured. In some cases, the policyholder and the insured may not
be the same person.
1 Partial
withdrawals and surrenders from life policies are generally
taxed as ordinary income to the extent the withdrawal exceeds
your investment in the contract. Loans are generally not taxable
if taken from a life insurance policy that is not a modified
endowment contract. However, when cash values are used to
repay a loan, the transaction is treated like a withdrawal and taxed
accordingly. Loans, withdrawals and surrenders are treated first as
distributions of the policy gain subject to ordinary income taxation,
and may be subject to an additional 10% federal tax penalty if
made prior to age 59 ½. Loans, if not repaid, and withdrawals
reduce the contract’s death benefit and cash value.
2 Please
note that Allstate nor its agents and representatives
cannot give legal or tax advice. The brief description of taxes
in this brochure may not be complete or current. The laws and
regulations are complex and subject to change. For complete
details, consult your attorney or tax advisor.
3 Please
see riders for terms, conditions and restrictions. Additional
costs may apply. Subject to state-specific terms and availability.
4 A
disclosure form must be completed prior to receiving benefits
under these riders. An administrative expense may be charged
if the benefit is used. Receipt of accelerated benefits may be
taxable. Tax laws relating to accelerated benefits are complex.
Please consult a tax advisor. Receipt of accelerated benefits may
also impact eligibility for public assistance programs.

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