Allstate Ea Flipbook

41
Contact us R57551E ©2011 Allstate Insurance Company Click here to see the fine print BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER ARE YOU? Driven. Focused. Ready. FROM YES TO MARKET START-UP AGENCY OUTSIDE BUYER EDUCATION AND SUPPORT THE FINANCIAL REWARDS OTHER ALLSTATE SUPPORT OWN YOUR OWN BUSINESS

description

I am looking for business minded people who are looking for a business ownership opportunity.

Transcript of Allstate Ea Flipbook

Page 1: Allstate Ea Flipbook

Contact us

R57551E

©2011 Allstate Insurance Company

Click here to see the fine print

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

ARE YOU?Driven. Focused. Ready.

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 2: Allstate Ea Flipbook

Home • Contact us

I am: A free spirit

All about Allstate

All about you

Your business, your way

Where to look, how to look

GOOD. Building a business as an Allstate

agency owner lets you choose where you work

and when. You own your own business that you

can sell back to Allstate or an approved buyer.*

I AM: A free spirit.

®

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 3: Allstate Ea Flipbook

Home • Contact us

WE ARE THE GOOD HANDS®.

We help people realize their hopes and dreams through products and services designed to help

protect them from life’s uncertainties and to help prepare them for the future.

Our corporate goal is to grow the value of our company for our customers, our associates, our

shareholders, our communities and society.

Our products include:

1. Auto Insurance

2. Home Insurance*

3. Life Insurance

4. Power Sports Insurance

5. Business Insurance

6. Savings Solutions

*May not be available in all areas.

I am: A free spirit

All about Allstate

> WE ARE THE GOOD HANDS

> JOIN AN INDUSTRY LEADER

All about you

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 4: Allstate Ea Flipbook

Home • Contact us

JOIN AN INDUSTRY LEADER.

Top 10 reasons to join Allstate:

1. Offers strong brand recognition and a solid reputation

as a leader in the industry and in local communities.

2. Allows you to control economic interest in the book of business your agency writes.

3. Offers unlimited money-making potential through commissions, bonuses, expansion and more.

4. Provides you with population and economic data to help determine the best location for your business.

5. Provides you and your staff with comprehensive training — at no cost — to get you up and

running quickly.

6. Drives customers to your agency with national advertising and customizable marketing materials —

including your own company website.

7. Employs a fully engaged field sales leadership team

to help ensure your success.

8. Supports your business with an after-hours call center and one of the most highly trained claims

teams in the country.

9. Provides you with a network of technology and tools to help you operate and market your business.

10. Helps you get started quickly — usually about 9

months from time of application.

I am: A free spirit

All about Allstate

> WE ARE THE GOOD HANDS

> JOIN AN INDUSTRY LEADER

All about you

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 5: Allstate Ea Flipbook

Home • Contact us

WHAT WE WANT.

Allstate agency owners are leaders. And leaders share many of the same qualities.

Characteristics are:

• Networks proactively

• Projects persuasive and professional presence

• Makes quality decisions

• Drives for results and profitability

• Focuses on relationship building

• Supports the Allstate vision and purpose

• Creates strategic business solutions

• Adapts to changing conditions

• Works effectively

• Leads and motivates staff

I am: A free spirit

All about Allstate

All about you

> WHAT WE WANT

> WHAT YOU HAVE

> SEEKING MEN AND WOMEN

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 6: Allstate Ea Flipbook

Home • Contact us

WHAT YOU HAVE.

Ready to become an Allstate agency owner? There are just a few things that are necessary

before you get started.

Requirements are:

• Must have start-up capital to meet cash flow

market requirements (a minimum of $50,000)

• Must obtain Property & Casualty and

Life/Health licenses

• Must obtain a Financial Industry Regulatory Authority

(FINRA) Series 6 license (and Series 63 license if

required by state law) within a certain time frame after

agency appointment

I am: A free spirit

All about Allstate

All about you

> WHAT WE WANT

> WHAT YOU HAVE

> SEEKING MEN AND WOMEN

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 7: Allstate Ea Flipbook

Home • Contact us

SEEKING WOMEN AND MEN WITH HEART.

After all, we are the Good Hands®.

®

I am: A free spirit

All about Allstate

All about you

> WHAT WE WANT

> WHAT YOU HAVE

> SEEKING MEN AND WOMEN

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 8: Allstate Ea Flipbook

Home • Contact us

DO IT YOUR WAY.

Whether you start a new Allstate agency or buy an existing one, you get to choose where and

how you run your business.*

Understand your location options.

• Establish a new location

• Maintain an existing location

• Relocate an existing agency

Develop your business plan.

Operation

• Staffing

• Business processes

Financial

• Cash flow projections

• Production goals and expenses

Marketing

• Demographics

• Lead generation

• Advertising

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

I am: A free spirit

All about Allstate

All about you

Your business,your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Page 9: Allstate Ea Flipbook

Home • Contact us

WHERE TO LOOK AND HOW TO LOOK.

Whether you’re starting a new agency or buying an existing one, there are a couple things

to consider. Both location and appearance can have a significant effect on your business.

Using technology to find your location.

Location is key. Allstate uses NetMax,® a local optimization tool

featuring population and economic data, to help you make an

informed decision about the best place to locate your business.

Image is everything.

When it comes to your office space, first impressions count.

The Allstate Branded Retail Environment (BRE) ensures that

as customers drive by or walk up and enter your agency,

they’ll feel confident that they’ve come to the right place for

their insurance needs.

I am: A free spirit

All about Allstate

All about you

Your business, your way

Where to look, how to look

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Allstate Branded Retail Environment

Page 10: Allstate Ea Flipbook

Home • Contact us

®

I am: A team player

New agency incentives

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

GOOD. With Allstate, you’ll have the

support of a Fortune 100 company and

one of the largest teams of centralized

claims professionals in the country.

I AM: A team player.

Page 11: Allstate Ea Flipbook

Home • Contact us

WHAT’S YOUR TIER?I am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

If you’re starting a new Allstate agency from scratch or buying an agency with less than 750

Property & Casualty policies, your agency is considered a “start-up” and there are special

bonuses to help you maintain cash flow during these early stages.

The amount of each bonus depends on your Property & Casualty production. Bonus tiers

are based on Property & Casualty performance in relation to your market goals and are

determined monthly.*

TIER 1:At least 225% of your baseline cash flow

TIER 2:150% to 224% of your baseline cash flow

TIER 3:90% to 149% of your baseline cash flow

TIER 4:Less than 90% of your baseline cash flow

*Commission and bonus amounts are subject to change.

Page 12: Allstate Ea Flipbook

Home • Contact us

AGENCY ESTABLISHMENT BONUSI am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Start-up agencies are eligible to receive an Agency Establishment Bonus in month 4 of affiliation.

The amount of the bonus will be based on your tier, which is determined by your cumulative

Property & Casualty production in months 1 to 3 relative to your baseline market goals for

that time period.

TIER 1:$10,000

TIER 2: $7,500

TIER 3: $5,000

TIER 4:$0

Page 13: Allstate Ea Flipbook

Home • Contact us

AGENCY DEVELOPMENT BONUS II am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

The Agency Development Bonus I (ADB I) is a monthly bonus that is based on new Property &

Casualty business you write the previous month.

Here’s how it works:

• Based on your tier for a given month, a bonus rate will

be applied to your current month’s net new Property &

Casualty written premium (see bonus rates by tier

and month)

• ADB I will be paid to qualifying agencies in months 2 to

37 of affiliation

• If you qualify, the bonus will be paid in the following month

In addition, you may be eligible for ADB I bonus through month 48 depending on your Property & Casualty production levels.

• In months 38 to 49 for any month you achieve Tier 1

status during months 37 to 48

• In months 38 to 43 for any month you achieve Tier 2

status during months 37 to 42

Page 14: Allstate Ea Flipbook

Home • Contact us

PRODUCTION MONTH

TIER 2TIER 1 TIER 3

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

33.000%

33.000%

33.000%

32.250%

31.500%

30.750%

30.000%

29.250%

28.500%

27.750%

27.000%

26.250%

25.500%

24.750%

24.000%

23.250%

30.000%

30.000%

30.000%

29.025%

28.350%

27.675%

27.000%

26.325%

25.650%

24.975%

24.300%

23.625%

22.950%

22.275%

21.600%

20.925%

27.000%

27.000%

27.000%

25.800%

25.200%

24.600%

24.000%

23.400%

22.800%

22.200%

21.600%

21.000%

20.400%

19.800%

19.200%

18.600%

AGENCY DEVELOPMENT BONUS I SCHEDULE

TIER 4

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

I am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

Months 17- 32

START-UPAGENCY

Page 15: Allstate Ea Flipbook

Home • Contact us

AGENCY DEVELOPMENT BONUS I SCHEDULEI am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

22.500%

21.750%

21.000%

20.250%

19.500%

18.750%

18.000%

17.250%

16.500%

15.750%

15.000%

14.250%

13.500%

12.750%

12.000%

11.250%

20.250%

19.575%

18.900%

18.225%

17.550%

16.875%

16.200%

15.525%

14.850%

14.175%

13.500%

12.825%

12.150%

11.475%

10.800%

10.125%

18.000%

17.400%

16.800%

16.200%

15.600%

15.000%

14.400%

13.800%

13.200%

12.600%

12.000%

11.400%

10.800%

10.200%

9.600%

9.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

Months 1- 16

PRODUCTION MONTH

TIER 2TIER 1 TIER 3 TIER 4

Months 33- 48

Page 16: Allstate Ea Flipbook

Home • Contact us

AGENCY DEVELOPMENT BONUS I SCHEDULEI am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

PRODUCTION MONTH

TIER 2TIER 1 TIER 3

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

10.500%

9.750%

9.000%

8.250%

7.500%

6.750%

6.000%

5.250%

4.500%

3.750%

3.000%

2.250%

1.500%

1.000%

1.000%

1.000%

9.450%

8.775%

8.100%

7.425%

6.750%

6.075%

5.400%

4.725%

4.050%

3.375%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

8.400%

7.800%

7.200%

6.600%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

TIER 4

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

0.000%

Months 17- 32

Page 17: Allstate Ea Flipbook

Home • Contact us

AGENCY DEVELOPMENT BONUS III am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

The Agency Development Bonus II (ADB II) is a monthly bonus that is based on your agency’s

growth of Policies in Force (PIF) over the previous month.

Here’s how it works:

• Based on your tier for a given month, a dollar amount

will be applied to your current month’s Property &

Casualty Policies in Force growth over the prior month*

(see dollar amounts by tier and month)

• ADB II will be paid to qualifying agencies in months 4 to

39 of affiliation

• If you qualify, the bonus will be paid two months later

In addition, you may be eligible for ADB II bonus through month 48 depending on your Property & Casualty production levels.

• In months 40 to 51 for any month you achieve Tier 1

status during months 38 to 49

• In months 40 to 45 for any month you achieve Tier 2

status during months 38 to 43

*Special rules apply if PIF growth is negative.

Page 18: Allstate Ea Flipbook

Home • Contact us

PRODUCTION MONTH

TIER 2TIER 1 TIER 3

2-13

14-25

26-36

37-42

43-49

$50.00

$45.00

$40.00

$35 .00

$35.00

$45.00

$40.50

$36.00

$31.50

$0.00

$40.00

$36.00

$32.00

$0.00

$0.00

AGENCY DEVELOPMENT BONUS II SCHEDULE

TIER 4

$0.00

$0.00

$0.00

$0.00

$0.00

I am: A team player

New agencyincentives

> WHAT’S YOUR TIER

> AGENCY ESTABLISHMENTBONUS

> AGENCY DEVELOPMENTBONUS I

> AGENCY DEVELOPMENTBONUS I SCHEDULE

> AGENCY DEVELOPMENTBONUS II

> AGENCY DEVELOPMENTBONUS II SCHEDULE

New agency requirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Page 19: Allstate Ea Flipbook

Home • Contact us

VALIDATION REQUIREMENTSI am: A team player

New agency incentives

New agencyrequirements

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

In the first year of agency affiliation, we’ll ask that you meet our production requirements for

both Property & Casualty and Allstate Financial.

Property & Casualty (P&C) requirement:

• Derived from your baseline cash flow

• Minimum of 90% of the baseline cash flow (Tier 3 level)

• Needs to be achieved within first 6 months and again

at month 12 of affiliation

Allstate Financial requirement:

• $5,000 or more in Allstate Financial production credit

• Needs to be achieved within first 6 months of affiliation

• Can be achieved solo or with partnership with Exclusive

Financial Specialist

All validation requirements are conditions of the agency owner relationship. Failure to meet any of the validation

requirements will lead to termination of the Agency Agreement.

Page 20: Allstate Ea Flipbook

Home • Contact us

I am: Agreeable

Purchasing an existing agency

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

GOOD. Allstate lets you have the option of

purchasing an existing Allstate agency, giving

you the advantage of buying a business that’s

already up and running.*

I AM: Agreeable

®

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

Page 21: Allstate Ea Flipbook

Home • Contact us

IS BUYING AN EXISTING ALLSTATE AGENCY RIGHT FOR YOU?

When you purchase an existing Allstate agency of greater than 750 Property & Casualty

policies, you’re considered an “outside buyer.” You have the advantage of buying a business

that’s already up and running. There are several questions to think about when it comes to

purchasing an existing book of business.*

I am: Agreeable

Purchasing an existing agency

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Do I have sufficient liquid capital to invest in

growing the business?

What is the business environment in the area?

What are the factors that may affect customer

retention in the book of business?

What are the agency’s financial results over the

past three years?

Is it operating efficiently?

What is the value of the agency?

Will the agency staff be retained after the purchase?

What is their value? Are there any staffing issues?

Will I be able to retain the existing location?

What legal issues should be considered?

How will the agency purchase be financed?

What is the market opportunity to grow the business?

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

Page 22: Allstate Ea Flipbook

Home • Contact us

OUTSIDEBUYER

I am: Tenacious

Education from experts

Field support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

GOOD. At Allstate, we believe the more you

know, the more you’ll grow. We provide the

education you and your staff need to start your

business — at no cost to you.

I AM: Tenacious

®

Page 23: Allstate Ea Flipbook

Home • Contact us

GET THE EDUCATION YOU NEED TO GET AHEAD.

Allstate provides education for agency owners and their entire staff on products, sales

techniques and processes.

• New Agency Owner Education (NAOE) takes

approximately 5 weeks

• Education is conducted regionally and at the Allstate

National Sales Education Center (NSEC)

• Program includes Auto, Property, Allstate Financial

and Run the Business track which is designed to help

with the set up and operational side of your agency

• Once you have successfully completed the Education

Program, you will receive a $3,000 bonus payable in

the first month of affiliation

OUTSIDEBUYER

I am: Tenacious

Education from experts

Field support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Page 24: Allstate Ea Flipbook

Home • Contact us

GET ONGOING SUPPORT FROM A FIELD SALES LEADER.

Allstate has a robust team including a dedicated sales leader, who works with you to make sure

you have what you need to succeed.

• Business planning

• Sales and marketing

• Ongoing education

• Business results review

• Roadmap for the future

OUTSIDEBUYER

I am: Tenacious

Education from experts

Field support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Page 25: Allstate Ea Flipbook

Home • Contact us

®

I am: Impatient

Property & Casualtycommissions

Allstate Financial opportunity

Resources for Growth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

GOOD. We’ve structured our compensation

programs to help ensure you’ll have cash

flow from the start. From there, your earning

potential is unlimited.

I AM: Impatient.

Page 26: Allstate Ea Flipbook

Home • Contact us

COMMISSION AMOUNT BY LINE* NEW %

10

10

10

8

10

10

10

10

10

10

10

20

12

PROPERTY & CASUALTY

Standard Auto

Motorcycle

Off-Road Vehicle

Non-Standard Auto

Commercial — Nonfleet

Personal Property

Boat

Landlord Package

Manufactured Home

Condo and Renters

Commercial Casualty — Fleet

COMMERCIAL CASUALTY — ALL OTHER

First $2,500

Over $2,500

SUBSEQUENT RENEWAL %

10

10

10

8

10

10

10

10

10

10

10

10

10

I am: Impatient

Property & Casualtycommissions

Allstate Financial opportunity

Resources for Growth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

PROPERTY & CASUALTY COMMISSIONS SCALE

*Excludes state exceptions.

Page 27: Allstate Ea Flipbook

Home • Contact us

EARN COMMISSIONS YOURSELF OR WITH AN EXCLUSIVE FINANCIAL SPECIALIST.

Our extensive financial portfolio includes term and permanent life, annuities and variable

products. Allstate offers the opportunity to write Life and Financial Products two ways.

• Partner with an Allstate Exclusive Financial Specialist*

(EFS), a specialist in life, savings and financial products

(“Shared” business)

• Write life and financial products on your own

(“Solo” business)

I am: Impatient

Property & Casualtycommissions

Allstate Financialopportunity

Resources for Growth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Whether you want to work with someone else or go it alone, you can earn credit toward production goals, bonuses

and awards. In addition, Allstate Financial enhanced commission scales are based on your productivity — the more you

write, the higher the commission scale.

*Financial Specialist in NY.

Page 28: Allstate Ea Flipbook

Home • Contact us

GET REWARDED FOR BALANCED PERFORMANCE.

Resources for Growth is a point-based measurement system designed to recognize and

reward agencies that achieve balanced performance.

I am: Impatient

Property & Casualtycommissions

Allstate Financial opportunity

Resources forGrowth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Agency performance is measured on five key

business objectives:

1. Retention of Property & Casualty business

2.Acquisition of new auto business and emerging

business lines

3. Profitability (does not apply to start-up agencies)

4.Allstate Financial Production Credit for solo

and/or partnership sales

5.Agency Loyalty Index — based on annual survey

score (does not apply to start-up agencies)

Points are distributed across six Resources for Growth tiers.

These tiers will be used to determine your rewards across

multiple areas including:

• Agency bonus

• Awards and recognition

• Expected results

• Qualification for other business opportunities

Platinum (7.5 – 10.5 points)

Gold (6.0 – 7.4 points)

Silver (5.5 – 5.9 points)

Bronze (2.5 – 5.4 points)

Standard (0.1 – 2.4 points)

Base (0 points or less)

Page 29: Allstate Ea Flipbook

Home • Contact us

NOBODY AWARDS AND RECOGNIZES LIKE ALLSTATE.

As an Allstate agency owner, you’ll have the opportunity to qualify for our exciting awards and

recognition along with your peers.

I am: Impatient

Property & Casualtycommissions

Allstate Financial opportunity

Resources for Growth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Regional Honor Ring Banquet

• Hosted by the Field Vice President (FVP) — Additional

details will be shared with you by your region

President’s Conference

• Company-wide conference trip with spouse or guest

Chairman’s Conference

• Company-wide conference trip with spouse or guest

Chairman’s Inner Circle

• Add-on trip to Chairman’s Conference with spouse

or guest

Leaders Forum

• Business meeting for top agency owners to network, share

a wealth of ideas and learn from the “best of the best”

Page 30: Allstate Ea Flipbook

Home • Contact us

CONSISTENT GROWTH AND CUSTOMER LOYALTY MEANS MORE BENEFITS FOR YOU.

Agencies that consistently grow their business and receive high ratings in customer loyalty

satisfaction may also enjoy these benefits:

I am: Impatient

Property & Casualtycommissions

Allstate Financial opportunity

Resources for Growth

Awards and recognition

Benefits for high performance

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Executive Advantage

• Based on your RFG tier achievement, you will receive

a preloaded Executive Advantage card from Citibank

• Use card to purchase resources (e.g., direct mail,

telemarketing, office furniture) to help further brand,

grow and manage your business

Premier Service Agency (PSA)

• Receive high-value web leads from allstate.com

• Receive priority placement on “Find an Agent”

on allstate.com

• Receive Executive Advantage boost

• Be eligible to purchase additional agencies

Customer Focused Acquisition

• Enables small/medium-sized agencies to purchase

economic interest in a small book of business and

consolidate it with their existing book

• Designed to help high-performing agencies grow

COMMERCIAL

®

Valid from Expiration date5472

Agency Resource Card

Executive Advantage

Page 31: Allstate Ea Flipbook

Home • Contact us

I am: A hero

Marketing support

Operational support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

I AM: AGOOD. Being an Allstate Agent is about

building relationships with customers and the

community. We provide you with the tools

to tell your story.

®

Page 32: Allstate Ea Flipbook

Home • Contact us

WE HELP DRIVE YOUR BUSINESS.

Allstate is an industry leader in national and regional advertising and sponsorships, including

TV, online, print, outdoor, in movie theaters and more. These efforts drive consumers to the

Allstate brand and to you.

I am: A hero

Marketing support

Operational support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Yellow Pages

• First year of advertising in the Yellow Pages will be

paid by Allstate (approximately $2,500) when placed

through Berry Network

Co-op

• Receive up to 50% reimbursement for company-approved

advertising expenses per year (up to $4,500 for first-

year start-up agencies); actual co-op allowance may

vary by agent

Other

• Customizable direct mail, brochures, premium items

and more are available to you for little or no cost

Group printdisplay ads

Co-op ads

Page 33: Allstate Ea Flipbook

Home • Contact us

YOUR OFFICE IS YOUR COMMAND CENTER.

Make your office work for you. Allstate offers a variety of options for creating a professional

environment for you, your staff and customers.

I am: A hero

Marketing support

Operational support

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

START-UPAGENCY

Branded Retail Environment (BRE)

• Design your office to help enhance

your customers’ experience

• Includes furniture, lighting, signage,

sales displays and choice of either a

beacon sign or reception desk

• In order to receive a $3,300* non-cash

award, you must participate in the BRE

Welcome Suite Plus Package program

(start-up agencies only)

Agency Choice Technology (ACT)

• ACT: Provides you flexibility to lease/purchase

technology (within Allstate’s specifications) that

meets your unique needs

• You select the technology vendor for installation

and support

Beacon sign

*In the states of Illinois, Alaska and Hawaii, the non-cash award is valued at a different amount.

Page 34: Allstate Ea Flipbook

Home • Contact us

®

I am: Determined

Time horizon

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

GOOD. Because no company out there

offers a faster-to-market opportunity for

success like Allstate.*

I AM: Determined.

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS

*Assumes all background and financial checks, licensing and education requirements are met.

Page 35: Allstate Ea Flipbook

Home • Contact us

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

Becoming an agency owner typically takes 3 to 9 months.

OWN YOUROWN BUSINESS

Review the program with an Allstate recruiter or field sales leader.

Complete the pre-screening evaluation.

Review the materials on allstate.com/recruitment to better familiarize yourself with the

agency owner opportunity.

Complete the Agency Selection Questionnaire online.

11 REVIEW PROGRAM

Step 1 of 4

Next

Page 36: Allstate Ea Flipbook

Home • Contact us

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

Becoming an agency owner typically takes 3 to 9 months.

OWN YOUROWN BUSINESS

Meet with a field sales leader for an in-depth discussion of the Allstate agency opportunity.

Understand your options regarding buying an existing agency or starting from “scratch.”

Develop site selection options for your agency location and review with the field

sales leader.

If you don’t already have your insurance licenses, you may want to begin this process

right away so that your appointment with Allstate is not delayed.

2 BEGIN THE PROCESS

Step 2 of 4

Back Next

Page 37: Allstate Ea Flipbook

Home • Contact us

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

Becoming an agency owner typically takes 3 to 9 months.

OWN YOUROWN BUSINESS

Complete a detailed financial review including cash flow and liquid capital requirements.

Complete your business plan focusing on staffing, marketing and operating your agency.

Finalize all pertinent documents to ensure approval of your appointment with Allstate.

Receive final approvals to become an Allstate Exclusive Agent.

3 COMPLETE REQUIREMENTS

Step 3 of 4

Back Next

Page 38: Allstate Ea Flipbook

Home • Contact us

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

Becoming an agency owner typically takes 3 to 9 months.

OWN YOUROWN BUSINESS

Once licensing is completed and your appointment file is approved, the Education

Phase begins.

During this time, establishing your agency location is underway (finalizing your

lease, technology and phone systems, signage, etc.).*

Interview and hire Licensed Sales Producers if you so choose to staff your agency.

Begin generating sales and marketing leads.

Hold your agency grand opening!

4 FINALIZE

Step 4 of 4

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

Back Next

Page 39: Allstate Ea Flipbook

Home • Contact us

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

Becoming an agency owner typically takes 3 to 9 months.

OWN YOUROWN BUSINESS

Your field sales leader will be able to help you identify potential agencies available for sale.

Begin negotiations with seller to purchase the economic interest in the agency.

Obtain preliminary approval for the buyer and seller to continue with the sale process.

Determine if you will need financing for the purchase and begin these arrangements.

Finalize the terms of the sale with the selling agent.

Advise your field sales leader and complete appropriate documents to obtain final approvals.

+ ADDITIONAL STEPS FOR OUTSIDE BUYERS

Back

Page 40: Allstate Ea Flipbook

Home • Contact us

Meet with a field sales leader for an in-depth discussion of the Allstate agency opportunity.

Understand your options regarding buying an existing agency or starting from “scratch” (see below for additional steps for outside buyers).

Develop site selection options for your agency location and review with the field sales leader.

If you don’t already have your insurance licenses, you may want to begin this process right away so that your appointment with Allstate is not delayed.

Complete a detailed financial review including cash flow and liquid capital requirements.

Complete your business plan focusing on staffing, marketing and operating your agency.

Finalize all pertinent documents to ensure approval of your appointment with Allstate.

Receive final approvals to become an Allstate Exclusive Agent.

Once licensing is completed and your appointment file is approved, the Education Phase begins.

During this time, establishing your agency location is underway (finalizing your lease, technology and phone systems, signage, etc.).*

Interview and hire Licensed Sales Producers if you so choose to staff your agency.

Begin generating sales and marketing leads.

Hold your agency grand opening!

1 REVIEW PROGRAM 2 BEGIN THE PROCESS 3 COMPLETE REQUIREMENTS 4 FINALIZE

Your field sales leader will be able to help you identify potential agencies available for sale.

Begin negotiations with seller to purchase the economic interest in the agency.

Obtain preliminary approval for the buyer and seller to continue with the sale process.

Determine if you will need financing for the purchase and begin these arrangements.

Finalize the terms of the sale with the selling agent.

Advise your field sales leader and complete appropriate documents to obtain final approvals.

+ ADDITIONAL STEPS FOR OUTSIDE BUYERS

Review the program with an Allstate recruiter or field sales leader.

Complete the pre-screening evaluation.

Review the materials on allstate.com/recruitment to better familiarize yourself with the agency owner opportunity.

Complete the Agency Selection Questionnaire online.

I am: Determined

Time horizon

> REVIEW PROGRAM

> BEGIN THE PROCESS

> COMPLETE REQUIREMENTS

> FINALIZE

> OUTSIDE BUYER

> FULL TIMELINE

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

FROM YES TO MARKET

*Subject to all terms and conditions as outlined in the Allstate Exclusive Agency Agreement.

OWN YOUROWN BUSINESS

Page 41: Allstate Ea Flipbook

Home • Contact us

This document highlights the R3001 Agency opportunity.* Agency owners are independent contractors and are not employees of Allstate. Multiple factors contribute to the success of an Allstate Agency. As such, individual results will vary. All information, includingbonus, revenue, compensation, and education information is subject to change.

See the R3001 Exclusive Agency Agreement, the Exclusive Agency Independent Contractor Manual, the Exclusive Agency IndependentContractor Reference Guide, the Supplement for the R3001 Agreement, and the Allstate Agency Standards for full details.

This overview is confidential and proprietary information which is the exclusive property of Allstate Insurance Company and its affiliates,and subsidiaries, including Allstate Life Insurance Company (the “Company”), and may not be disclosed to third parties, other thanoutside advisors or as required by law, without first having obtained written permission from Allstate Insurance Company.

Securities offered through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA,SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

Commission and bonus amounts are subject to change. Allstate is an Equal Opportunity Company.

For more information, contact Allstate toll-free at 877-711-1006, or visit allstate.com/recruitment.

©2011 Allstate Insurance Company, Northbrook, IL. allstate.com 1/11

*Excludes Allstate New Jersey.

BUILDING A BUSINESS AS AN ALLSTATE AGENCY OWNER

FROM YESTO MARKET

START-UPAGENCY

OUTSIDEBUYER

EDUCATIONAND SUPPORT

THE FINANCIALREWARDS

OTHER ALLSTATESUPPORT

OWN YOUROWN BUSINESS