This material is intended for general educational purposes only.

Life insurance offered through Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge NY. ©2018 Allstate Insurance Company allstate.comALR2863-3 7/20

“I’m covered by my policy through work.” Employer-sponsored life insurance policies typically aren’t enough coverage and generally don’t follow you to your new job. If you only count on your work coverage, you may not have adequate protection. Also, employee plans often increase rates annually, so a policy outside of your work with a guaranteed rate may cost less.

“I can’t afford to get life insurance.” Life insurance is one of the most affordable ways to provide insurance protection for your family. Talk to your Allstate Agent to find out how Allstate can help you adjust your coverage so you’re not paying more for life insurance than you need.

“We don’t need that much coverage.” The amount of life insurance you need depends on your specific situation. Life insurance can do more than pay for final expenses. It can also help your family stay in their home and maintain the lifestyle you’ve worked so hard to build — even helping to make sure your children can afford college if you’re not here.

“My family will be fine if I wasn’t here to provide financial support.”It’s not easy to think about what might happen if you were not there to contribute financially to the household. Or, whether your family could afford to stay in your home without you.

Life insurance is one of the best ways to provide an income for your family’s future lifestyle — in case you are no longer there to care for them.

You have more than a policy.You have Allstate.Caring for customers and communities hasalways been a top priority for Allstate. Whether you’re looking for answers or advice you can trust, your Allstate agency is close to home and ready to help.

Allstate has been committed to making insurance better. Along with fast and fair claim service, we have innovative tools, apps and extras to make everyday life easier for you.

Talk to your Allstate agency today and see what we mean when we say “You’re in good hands.®”

Myth versus reality. PROTECTING YOUR FAMILY’S CHANGING NEEDSPERSONALIZED LIFEINSURANCE FACTFINDER.

life

Sometimes protecting your family means planning for a future without you in it. That means ensuring they have the ability to maintain the lifestyle you’ve built.

With life insurance, you can get affordable coverage for your family. And now you can design your coverage so you’re not paying for more insurance than you want in later years.

How much coverage do you need? Simply complete the worksheet to get an idea.

Custom coverage for your family’s changing needs.

How Much Life Insurance Do You Need?

What Assets does your family have?

Income replacement

Total $

$Total

$Total

$Total

Annual income ___________ x number of years to cover ________ $

$

$

Available assets (Savings, CDs, Other) $

Other life insurance $

Allstate can help you protect your family’s future.

(Recommended 3-7 years)

(Recommended $100,000 for four-year in-state public university and $200,000 for private college)

Education expenses

Total cost of education ___________ x number of children ________ $

Total Life Insurance You Might Need: $Total

Total Expenses $

$Total Assets

Mortgage balance

Number of years left ________ (Use the number of years left as a guide to how long your policy should last)

Mortgage balance

$(Recommended final expenses typically $10,000-$15,000)

$Current debt (Auto/Loans/Credit Cards)

Other _________________________________

Other Debts and Expenses