Allstate Financial Services Form

8/7/2019 Allstate Financial Services Form

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life insuranceProtect what matters most


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My family means the world

TO ME.


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Life insurance is essential to

protecting what matters most.

You work hard to protect and provide your family with essentials like food,

shelter and clothing. But have you ever considered how your loved ones would

be provided for if you were not around? Life insurance helps to provide you with

peace of mind knowing that they will be cared for today and in the future.

Your Allstate financial professional can help you understand life insurance and

why it is important, and recommend a solution to help you protect what matters

most your family.

Who needs life insurance?

Simply stated, almost everyone needs life insurance.

Even if youre single and have no dependents, life insurance benefits could be

used by your beneficiaries to help pay for burial expenses or other financial

responsibilities.

3

If youre a parent or a spouse

If youre newly married

If youre a business owner

If youre a grandparent

If you have aging parents who

rely on your financial support


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1 The death benefit of life insurance policies that were transferred for value may be subject to ordinary income taxes.Estate taxes may apply (even if the policy is not transferred). Consult your tax advisor for additional information.

2 Available through loans and/or withdrawals which, if not repaid, will reduce the contracts death benefit and cash value.Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawalexceeds your investment in the contract, which is also called the basis. In some situations, partial withdrawals duringthe first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generallynot taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash valuesare used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. If a policy is a modifiedendowment contract, loans are treated as a taxable distribution to the extent of policy gain. Loans, withdrawals andsurrenders are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject toan additional 10% federal tax penalty if made prior to age 59 12. Consult your tax advisor for additional information.

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Provide for your family today.Life insurance helps to provide your loved ones financial security after youre

gone. You pay a premium, and if the unexpected happens, your beneficiaries can

receive a death benefit generally income tax-free1 which they can use for

things such as:

Medical bills College tuition

Funeral expenses Living expenses

Monthly housing costs Unexpected financial emergencies

In addition, the money is received directly from the insurance company, so it

typically doesnt have to go through probate. Some policies also accumulate a

cash value that can be used, if needed, to help pay for emergencies or help fund

retirement2.

After you purchase life insurance, you can feel confident knowing your family will

be more secure if they ever have to make it on their own.

Prepare for tomorrow.Theres more to consider than just today when buying life insurance. Many

changes will occur throughout our lives, some planned and some unexpected.

Changes like getting married, buying a home, welcoming a new member into the

family, changing jobs, or sending a child to college. Its important to adjust your

coverage to accommodate those changes.

To help ensure you have the right amount of coverage, you should

plan to meet at least once a year with an Allstate financial

professional to review your policy and your overall financial portfolio.


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Allstate offers products to fit

your life.

The type of life insurance you choose depends on your particular needs, yourbudget, and your long-term financial goals. There are two basic types of life

insurance Term and Permanent. Each offers a variety of features and benefits

as described below. Your Allstate financial professional can help you determine

which type of insurance may be right for you, and answer any questions you

may have.

term

Term insurance is the lowest cost life insurance available. Ask your Allstate financial professionalabout term life insurance if:

You don't have much extra money to spend on insurance premiums. Term insurance is less

expensive than a permanent policy.

You're a new parent. You can buy protection for your kids until they become financially

independent.

You're looking to supplement an existing life insurance policy. Term offers affordable

incremental coverage for the length of time you choose.

permanent

A permanent life insurance policy is designed to provide protection for your lifetime as long as

required premium payments are made. These premiums are typically higher than term because

you are also accumulating cash value in your policy in addition to the death benefit. Ask your

Allstate financial professional about permanent life insurance if:

You're looking for protection that offers cash value and tax advantages. The death benefit is

income tax-free and the cash value grows tax-deferred.

You need help paying for financial emergencies, college costs or retirement. A permanent

policy allows you to take out loans or withdrawals.2

You like having more control. With some permanent policies, you can choose how to invest

your premium payments.

A variety of life insurance products are available that may meet

your particular needs. Talk to your Allstate financial professional to

learn more.


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Im looking for GUIDANCE

from a financial professionalI CAN TRUST.


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I have a life insurance policy through

work. Isnt that enough?

Most employers offer a life insurance

plan. But check it carefully. Many of

these plans offer only a minimum

amount of coverage much less than

what your loved ones may need if they

have to make ends meet without you.Also, if you change jobs, you may not

be able to take your life insurance

with you.

How much life insurance do I need?

Make sure you have enough insurance

so your loved ones are not saddled

with debt or forced to sell assets to

pay outstanding bills or taxes. There

are no hard and fast rules for

determining how much life insurance

is enough. It depends on your unique

circumstances and objectives.

However, an Allstate financial

professional is trained to help you

assess your needs and choose a

coverage that works for you.

How much does it cost?

In comparison to how much your

survivors can receive, not that much;

however your premium will depend on

your age and health, type of policy and

how much coverage you want.

Different life insurance products have

different fees and/or charges.

What if I get married, buy a home, or

have a child? Should I change my

coverage?

You should meet with your Allstate

financial professional at least annually

to review your policies and financial

goals. He or she can help you

determine if you should adjust your

coverage to accommodate lifes

changes, whether expected or

unexpected. You may also wish to ask

about converting your term policy to apermanent policy.3

Why should I buy life insurance

rather than leaving my family cash

or investments?

One reason is that a life insurance

death benefit, if properly structured,

avoids the delays of probate. Your

beneficiaries can receive the fundsdirectly from the life insurance

company, which can help your family

get back on their feet more easily.

Q

A

QA

QA

Q

A

Q

A

Life insurance Q&AYou probably have questions. Your Allstate financial professional can answer your life insurance

questions and help you select a product that fits you and your familys needs. Below are some of

the frequently asked questions to help you get started.

Make an appointment to visit your Allstate financial professional for

help with your life insurance questions and needs.

3 Not all term policies qualify for conversion to permanent policies. Your Allstate financial professional can help youdetermine if your term policy qualifies.


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Is your financial security in Good HandsSM ?

This material is intended for general educational purposes only. Life insurance and annuities issued by Allstate Life Insurance Company: Northbrook, ILand Lincoln Benefit Life Company: Lincoln, NE. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by PersonalFinancial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. MainOffice: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Property and casualty insurance products issued by Allstate Fire and Casualty

Insurance Company, Allstate Indemnity Company, Allstate Insurance Company, Allstate Property and Casualty Insurance Company: Northbrook, IL.2009 Allstate Insurance Company. a llstate.com 10/09

The Allstate family of life insurance companies has been helping to ensure the financial security of our

customers for more than 50 years. We remain committed to helping people protect their families and

assets today while planning for tomorrow. Even in tough economic times, you can continue to trust the

Good HandsSM of Allstate.

Financial Strength

Allstate remains financially strong and committed to providing you with the quality service you

expect and deserve. That financial strength, coupled with our consistent ability to meet obligations

to our policyholders, has earned us high ratings from independent analysts. Just as important, we

pride ourselves on the strength of our products and services, and in providing exceptional value to

our customers.

Your Neighborhood Team

Whether you currently own life insurance, or are looking to purchase your first policy, our network

of agents and financial professionals can help you make sound decisions for yourself and your

family not just for today, but for down the road as well.

Call an Allstate financial professional today to schedule a

complimentary Life Insurance Coverage Checkup.

Why choose Allstate for my life

insurance protection?


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Allstate Insurance1536 Monroe Drive NEAtlanta, GAPhone: 404-799-9191

Maurice Huseby9400 Roberts DriveAtlanta, GA 30350

I have completed a review of your insurance coverage and want to make you aware of a potential gap in yourprotection. Your homeowners policy provides only the coverage described pertaining to property and liability losses.There is no coverage to help pay off the mortgage in the event of the death or disability of the insured, underyour homeowners policy.

I recommend that you address the following potential needs:

Disability Protection A disability insurance policy that provides funds in the event the insured becomesdisabled that can be used to help pay the mortgage and/or meet other needs.

Mortgage Payoff A life insurance policy that provides funds in the eventof the death of the insured that can be used toward helping to pay off the mortgageor meeting other needs.

_____________________________________________________________________________________________

I have read and understand the above available additional insurance options and I would like more information on thefollowing:

____ Disability Protection via disability insurance

____ Mortgage Payoff via life insurance

Please give my office a call at the number above or if you prefer, simply complete and return this form and someonefrom my agency will contact you.

Thank you!

Your Name: __________________________________ E-Mail: ________________________

Home Phone # __________________ Work Phone #: __________________

Mortgage Balance: ________________

Sincerely,

Maurice HusebyExclusive Agent

(TM)/(Market)

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