www.allstate.com
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Submitted URL: http://allstatemonthlyincome.com/
Effective URL: https://www.allstate.com/life-insurance.aspx?CID=OTC-DNSR-GR-120523&att=monthlyterm
Submission: On March 15 via api from US — Scanned from DE
Effective URL: https://www.allstate.com/life-insurance.aspx?CID=OTC-DNSR-GR-120523&att=monthlyterm
Submission: On March 15 via api from US — Scanned from DE
Form analysis 1 forms found in the DOM
POST /main.aspx?CID=OTC-DNSR-GR-120523&att=monthlyterm
<form method="post" action="/main.aspx?CID=OTC-DNSR-GR-120523&att=monthlyterm" id="ctl00" novalidate="">
<div class="aspNetHidden">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE"
value="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">
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<div class="aspNetHidden">
<input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="CA3D2938">
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</div>
<div class="ls-canvas canvas" id="ls-canvas">
<div class="ls-row container-fluid" id="headerRow">
<div class="ls-fxr" id="ls-gen88402094-ls-fxr">
<div class="ls-area pageSection col-xs-12 scrollToFixed scroll-to-fixed-fixed" id="headerArea" style="z-index: 1000; position: fixed; top: 0px; margin-left: 0px; width: 1600px; left: 0px;">
<div class="ls-area-body" id="ls-gen88402095-ls-area-body">
<div class="ls-cmp-wrap ls-1st" id="w1529811468923">
<div class="iw_component" id="1529811468923">
<div class="GlobalNavigation" style="padding-top: 0px; padding-bottom: 11px; height: 96px;">
<div class="IconTopNavigation">
<div class="topnavOuter">
<a name="&lpos=MainNav" href="#heroBannerInner" onkeydown="GlobalNavigation.skipNavigation(event);" class="skipnav">Skip to main content</a>
<div class="topnavInner">
<div class="tophat"><a name="&lpos=MainNav" href="#" class="tophatExplore">Explore Allstate </a></div>
<div class="headerlinks">
<ul>
<li><a href="/anon/handlers/redirectactivity.ashx?location=FA&intcid=/home/home.aspx|MainNav|findagent" target="_blank" aria-label="Find An Agent navigation link." name="&lpos=MainNav">Find An Agent</a></li>
<li><a href="//www.allstate.com/support/overview.aspx" target="_top" aria-label="Contact Us navigation link." name="&lpos=MainNav">Contact Us</a></li>
<li><a href="https://espanol.allstate.com/" target="_blank" aria-label="Español navigation link." name="&lpos=MainNav">Español</a></li>
<li class="location">
<a name="&lpos=MainNav" class="zipTopnav" href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'LocationHeader']);$(Global.zipCodeOverlayIdentifier).dialog('open');" aria-label="Set Your Location navigation link.">Set Your Location</a>
</li>
<li class="search">
<input id="Hidden1" type="hidden" value="sp10036ef5" name="sp_a">
<input id="Hidden2" type="hidden" value="phrase" name="sp_p">
<input id="Hidden3" type="hidden" value="search" name="sp_t">
<input id="Hidden4" type="hidden" name="s_URL" value="https://www.allstate.com/search.aspx">
<img data-feo-orig-src="/resources/images/search_on.png?v=7100845c-b1af-3293-2569-d299ebd8f645" src="/feo-cdn/t/o/Knb01sP0k.webp" alt="Search" class="searchIcon" name="Imagebutton2" id="Img1"
onclick="return GlobalNavigation.searchSubmit('Imagebutton2',event)">
<script blzsys="1" type="text/javascript">
aFeoOverrideAttrRead('img', 'src')
</script>
<input id="s_Text" name="sp_q" type="text" placeholder="Search" class="keywords" size="20" onkeyup="return GlobalNavigation.noPostBack('Imagebutton2',event)" aria-label="Search">
<label for="s_Text" class="hiddenLabel">Search</label>
</li>
</ul>
</div>
<div class="searchResultsDropdown">
<span class="search-clear"><a id="search-clear" href="#" onclick="javascript:GlobalNavigation.HideSearchResults();"><i class="fa fa-times" aria-hidden="true" title="Close Navigation"></i></a></span>
<ul class="searchResults">
</ul>
<span class="searchResultsTitle">Popular Searches</span>
<ul class="popularSearchResults">
<li><a href="https://www.allstate.com/support/payment-and-billing.aspx" onclick="GlobalNavigation.SendLearning('00000', '01', 'undefined')">Payment and Billing</a></li>
<li><a href="https://www.allstate.com/auto-insurance.aspx" onclick="GlobalNavigation.SendLearning('00000', '02', 'undefined')">Allstate Auto Insurance</a></li>
<li><a href="https://www.allstate.com/home-insurance.aspx" onclick="GlobalNavigation.SendLearning('00000', '03', 'undefined')">Home Insurance</a></li>
<li><a href="https://www.allstate.com/support/paperless-epolicy.aspx" onclick="GlobalNavigation.SendLearning('00000', '04', 'undefined')">Allstate ePolicy</a></li>
<li><a href="https://www.allstate.com/support/insurance-card.aspx" onclick="GlobalNavigation.SendLearning('00000', '05', 'undefined')">Insurance Cards</a></li>
</ul>
</div>
</div>
</div>
<div class="tophatcontainer" id="TopHatContainer">
<div class="tophatinner">
<style>
.tophatcolumn {
width: 23%;
}
</style>
<div class="tophatcolumn ">
<ul>
<li class="tophatrowtitle ">
<a name="&lpos=MainNav" href="https://www.allstate.com" aria-label="Navigate to Allstate.com Homepage" target="_top" onclick="ProcessMetrics('ExploreLink', ['Allstate']);">Allstate</a>
</li>
<li>
<ul>
<li class="tophatrowitem freetextrow">We help customers realize their hopes and dreams by providing the best products and services to protect them from life's uncertainties and prepare them for the future.</li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="/about.aspx" aria-label="Navigate to About main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Company Overview']);">Company Overview</a>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://goodlife.allstate.com/goodhome/" aria-label="Navigate to GoodHome website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['GoodHome']);">GoodHome</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://goodlife.allstate.com/myoffers/" aria-label="Navigate to My Offers website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['My Offers']);">My Offers</a></li>
<li class="tophatrowitem"><a name="&lpos=MainNav" href="/careers.aspx" aria-label="Navigate to the Careers website" target="_top" onclick="ProcessMetrics('ExploreLink', ['Careers']);">Careers</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstate.com/lp/allstateveterans/index.htm" aria-label="Navigate to the Allstate Veterans website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Allstate Veterans']);">Allstate Veterans</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/support/overview.aspx" aria-label="Navigate to Customer Support overview page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Customer Support']);">Customer Support</a></li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="/" aria-label="" target="_top" onclick="ProcessMetrics('ExploreLink', ['Affiliates']);">Affiliates</a>
</li>
<li>
<ul>
<li class="tophatrowitem"><a name="&lpos=MainNav" href="https://www.arity.com/" aria-label="Navigate to Arity website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Arity']);">Arity</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://availcarsharing.com/" aria-label="Navigate to Avail car sharing website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Avail Car Sharing']);">Avail Car Sharing</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.answerfinancial.com/" aria-label="Navigate to Answer Financial website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Answer Financial']);">Answer Financial</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.encompassinsurance.com/" aria-label="Navigate to Encompass website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Encompass']);">Encompass</a></li>
<li class="tophatrowitem"><a name="&lpos=MainNav" href="https://www.esurance.com/" aria-label="Navigate to Esurance website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Esurance']);">Esurance</a></li>
</ul>
</li>
</ul>
</div>
<div class="tophatcolumn ">
<ul>
<li class="tophatrowtitle ">
<a name="&lpos=MainNav" href="/about.aspx" aria-label="Navigate to About main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Corporate Info']);">Corporate Info</a>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstatenewsroom.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Newsroom website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Newsroom']);">Newsroom</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstateinvestments.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Allstate Investment website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Allstate Investments']);">Allstate Investments</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstateinvestors.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Investor relations website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Investor Relations']);">Investor Relations</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/about/affiliates.aspx" aria-label="Navigate to Allstate affiliates main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Allstate Program']);">Allstate Program</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/national-sponsorships.aspx" aria-label="Navigate to National Sponsorships main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Sponsorships']);">Sponsorships</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstate.com/lp/allstateagent/index.htm" aria-label="Navigate to Agent Opportunity landing page" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Agent Opportunity']);">Agent Opportunity</a>
</li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="https://www.allstatesustainability.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Corporate Responsibility website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Corporate Responsibility']);">Corporate Responsibility</a>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstatesustainability.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Sustainability Report website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Sustainability Report']);">Sustainability Report</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstatefoundation.org/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Allstate Foundation website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Allstate Foundation']);">Allstate Foundation</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstatecodeofconduct.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Global Code of Business Conduct website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Global Code of Business Conduct']);">Global Code of Business Conduct</a>
</li>
</ul>
</li>
</ul>
</div>
<div class="tophatcolumn ">
<ul>
<li class="tophatrowtitle ">
<a name="&lpos=MainNav" href="/contactus.aspx" aria-label="Navigate to Contact Us main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Contact Us']);">Contact Us</a>
</li>
<li>
<ul>
<li class="tophatrowitem"><a name="&lpos=MainNav" href="tel:1-800-255-7828" aria-label="Call 1800Allstate" target="_blank" onclick="ProcessMetrics('ExploreLink', ['1-800-ALLSTATE']);">1-800-ALLSTATE</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://messaging.allstate.com/corp.aspx" aria-label="Email Allstate customer service" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Email Us']);">Email Us</a></li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://twitter.com/allstate" aria-label="Navigate to Allstate's twitter" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Tweet for Help']);">Tweet for Help</a></li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="https://myaccountrwd.allstate.com/anon/account/login" aria-label="Login to MyAccount" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Logins']);">Logins</a>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://myaccountrwd.allstate.com/anon/account/login?intcid=/life-insurance/main.aspx|TopHat|ExploreAllstate|MyAccountLogin" aria-label="Navigate to MyAccount login page" target="_blank" onclick="ProcessMetrics('ExploreLink', ['My Account']);">My Account</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstaterewards.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Allstate Rewards website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Allstate Rewards']);">Allstate Rewards</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.accessallstate.com/anon/login.aspx?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to accessallstate.com " target="_blank" onclick="ProcessMetrics('ExploreLink', ['Financial']);">Financial</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstateflood.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to Flood Insurance website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Flood Insurance']);">Flood Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://www.allstatemotorclub.com/amcc/register/login.faces;jsessionid=GRxvHnbhnFzafQDsuKM1kCH42OVUfIeqhKx0JH7dgaTiCYz-aao7!-619847657?_afrLoop=1100125551328727&_adf.ctrl-state=2vn2xry2l_4&adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691" aria-label="Navigate to motor club website" target="_blank" onclick="ProcessMetrics('ExploreLink', ['Motor Club']);">Motor Club</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://arsnetwork.allstate.com/towingnetwork_PROD/ARSWebClaim/home/Home.action" aria-label="Navigate to roadside service website" target="_top" onclick="ProcessMetrics('ExploreLink', ['Roadside Service']);">Roadside Service</a>
</li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="/support/mobile-apps.aspx" aria-label="Navigate to mobile apps overview page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Mobile App']);">Mobile App</a>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/support/mobile-apps/allstate-mobile.aspx" aria-label="Navigate to the allstate mobile app overview page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Allstate Mobile']);">Allstate Mobile</a>
</li>
</ul>
</li>
</ul>
</div>
<div class="tophatcolumn tophatlastcolumn ">
<ul>
<li class="tophatrowtitle ">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Au&intcid=/home/home.aspx|TopHat|quote_box" aria-label="Link to allstate agent locator." target="_blank" class="tophatrowwithclose " onclick="ProcessMetrics('ExploreLink', ['Get A Quote']);">Get A Quote</a>
<button type="button" id="tophatclose" class="closeTH" onclick="ProcessMetrics('CloseExplore');" title="Close">✖</button>
</li>
<li>
<ul>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Au&intcid=/home/home.aspx|TopHat|quote_box:AU" aria-label="Auto Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Auto Insurance']);">Auto Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Ho&intcid=/home/home.aspx|TopHat|quote_box:HO" aria-label="Home Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Home Insurance']);">Home Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Re&intcid=/home/home.aspx|TopHat|quote_box:RE" aria-label="Renters Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Renters Insurance']);">Renters Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Li&intcid=/home/home.aspx|TopHat|quote_box:LI" aria-label="Term Life Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Term Life Insurance']);">Term Life Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Co&intcid=/home/home.aspx|TopHat|quote_box:CO" aria-label="Condo Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Condo Insurance']);">Condo Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Mo&intcid=/home/home.aspx|TopHat|quote_box:MO" aria-label="Motorcycle Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Motorcycle Insurance']);">Motorcycle Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=Bo&intcid=/home/home.aspx|TopHat|quote_box:BO" aria-label="Boat Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Boat Insurance']);">Boat Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=RV&intcid=/home/home.aspx|TopHat|quote_box:RV" aria-label="Off-Road Vehicle Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Off-Road Vehicle Insurance']);">Off-Road Vehicle Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="/anon/handlers/quoteactivity.ashx?product=BI&intcid=/home/home.aspx|TopHat|quote_box:BI" aria-label="Business Insurance quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Business Insurance']);">Business Insurance</a>
</li>
<li class="tophatrowitem">
<a name="&lpos=MainNav" href="https://purchase.allstate.com/onlinesalesweb/app/retrievequote/?intcid=/home/home.aspx|TopHat|RetrieveQuote" aria-label="Retrieve a Saved Quote quote link." target="_blank" onclick="ProcessMetrics('ExploreLink', ['Retrieve a Saved Quote']);">Retrieve a Saved Quote</a>
</li>
</ul>
</li>
</ul>
<ul>
<li class="tophatrowtitle tophatrownotfirst ">
<a name="&lpos=MainNav" href="/social-networks.aspx" aria-label="Navigate to Social Networks main page" target="_top" onclick="ProcessMetrics('ExploreLink', ['Connect With Us']);">Connect With Us</a>
</li>
<style type="text/css">
.thDImage {
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width: 15px;
height: 15px;
}
.thNavIcon_Facebook img {
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.thNavIcon_Facebook img:hover {
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.thNavIcon_Twitter img {
background-position: center -30px !important;
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.thNavIcon_Twitter img:hover {
background-position: center -45px !important;
}
.thNavIcon_LinkedIn img {
background-position: center -60px !important;
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.thNavIcon_LinkedIn img:hover {
background-position: center -75px !important;
}
.thNavIcon_Youtube img {
background-position: center -90px !important;
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.thNavIcon_Youtube img:hover {
background-position: center -105px !important;
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.thNavIcon_Pinterest img {
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background-position: center -180px !important;
}
.thNavIcon_Instagram img:hover {
background-position: center -195px !important;
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</style>
<li>
<ul>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.facebook.com/Allstate" aria-label="Go to Allstate's Facebook page" target="_blank" alt="Facebook" class="thNavIcon_Facebook" onclick="ProcessMetrics('SocialIcons', ['Facebook']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="Facebook" alt="Facebook"></a>
</li>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.twitter.com/allstate" aria-label="Go to Allstate's Twitter" target="_blank" alt="Twitter" class="thNavIcon_Twitter" onclick="ProcessMetrics('SocialIcons', ['Twitter']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="Twitter" alt="Twitter"></a>
</li>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.linkedin.com/company/allstate/" aria-label="Go to Allstate's LinkedIn page" target="_blank" alt="LinkedIn" class="thNavIcon_LinkedIn" onclick="ProcessMetrics('SocialIcons', ['LinkedIn']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="LinkedIn" alt="LinkedIn"></a>
</li>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.youtube.com/Allstate" aria-label="Go to Allstate's YouTube page" target="_blank" alt="Youtube" class="thNavIcon_Youtube" onclick="ProcessMetrics('SocialIcons', ['Youtube']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="Youtube" alt="Youtube"></a>
</li>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.pinterest.com/allstate" aria-label="Go to Allstate's Pinterest" target="_blank" alt="Pinterest" class="thNavIcon_Pinterest" onclick="ProcessMetrics('SocialIcons', ['Pinterest']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="Pinterest" alt="Pinterest"></a>
</li>
<li class="thSocialIcon">
<a name="&lpos=MainNav" href="https://www.instagram.com/allstate" aria-label="Go to Allstate's Instagram" target="_blank" alt="Instagram" class="thNavIcon_Instagram" onclick="ProcessMetrics('SocialIcons', ['Instagram']);"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/ResponsiveTopNavigation/img_trans.gif?v=7100845c-b1af-3293-2569-d299ebd8f645" class="thDImage" title="Instagram" alt="Instagram"></a>
</li>
</ul>
</li>
</ul>
</div>
</div>
</div>
<div class="top-navigation">
<div class="mobile-gradient"></div>
<div class="hidden-md hidden-lg mobile-header">
<a name="&lpos=MainNav" href="#heroBannerInner" onkeydown="GlobalNavigation.skipNavigation(event);" class="skipnav">Skip to main content</a>
<button type="button" class="mobile-navbar" id="slide-mobile-navbar">
<span class="sr-only">Toggle navigation</span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
</button>
<a name="&lpos=MainNav" class="nav-allstate" href="https://www.allstate.com?intcid=TR|rwd_nav|Allstate_Logo" "=""><img class="mobileLogo" src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/Allstate/images/global/logo-allstate-sm.png?v=05877dd0-76df-f8f0-f472-c2f8b2729420" alt="Allstate Insurance Company Logo" name="&lpos=MainNav"></a>
<a name="&lpos=MainNav" class="nav-logged-out" href="https://myaccountrwd.allstate.com/anon/account/login?cid=MBL|rwd_nav|MyA_Login">Log in</a>
<div class="hidden-md hidden-lg mobile-subheader">
<input type="text" onkeyup="return GlobalNavigation.noPostBack('mobile_Imagebutton2',event)" size="20" name="mobile_sp_q" id="mobile_s_Text" placeholder="Search" aria-label="Search">
<a href="#" class="subheader-search" onclick="return GlobalNavigation.searchSubmit('mobile_Imagebutton2',event)" name="mobile_Imagebutton2"><i class="fa fa-search" aria-hidden="true" title="Search"></i></a>
<a class="search-clear" id="mobile-search-clear" href="#" onclick="javascript:$(this).css('display', 'none').prev().prev().val(''); GlobalNavigation.HideSearchResults();"><i class="fa fa-times" aria-hidden="true" title="Close Navigation"></i></a>
<input type="text" id="searchPageId" class="searchInputHidden" value="%2flife-insurance%2fmain.aspx" aria-label="Smart Search Page ID">
</div>
<div class="searchResultsDropdown">
<ul class="searchResults">
</ul>
<span class="searchResultsTitle">Popular Searches</span>
<ul class="popularSearchResults">
<li><a href="https://www.allstate.com/support/payment-and-billing.aspx" onclick="GlobalNavigation.SendLearning('00000', '01', 'undefined')">Payment and Billing</a></li>
<li><a href="https://www.allstate.com/auto-insurance.aspx" onclick="GlobalNavigation.SendLearning('00000', '02', 'undefined')">Allstate Auto Insurance</a></li>
<li><a href="https://www.allstate.com/home-insurance.aspx" onclick="GlobalNavigation.SendLearning('00000', '03', 'undefined')">Home Insurance</a></li>
<li><a href="https://www.allstate.com/support/paperless-epolicy.aspx" onclick="GlobalNavigation.SendLearning('00000', '04', 'undefined')">Allstate ePolicy</a></li>
<li><a href="https://www.allstate.com/support/insurance-card.aspx" onclick="GlobalNavigation.SendLearning('00000', '05', 'undefined')">Insurance Cards</a></li>
</ul>
</div>
</div>
<div class="inner-wrapper" style="height: 0px;">
<div class="hidden-md hidden-lg mobile-subheader">
<a class="subheader-close" id="subheader-close" href="#"><i class="fa fa-times" aria-hidden="true" title="Close Navigation"></i></a>
</div>
<ul>
<li class="hidden-xs hidden-sm nav-allstate">
<a name="&lpos=MainNav" href="https://www.allstate.com" aria-label="Navigate to Allstate.com homepage." "target="_top" class="headerLogo"><img class="desktopLogo" src="/resources/Allstate/images/global/logo-allstate.png?v=15fc68b1-6c1a-baea-c79f-81d32d0dea53" alt="Allstate Insurance Company Logo" name="&lpos=MainNav"></a>
</li>
<li class="hidden-md hidden-lg nav-quote nav-parent">
<div id="t1-mobile" class="t1 t1-mobile t1-v2 t1-light ">
<p class="t1-intro">Get a quote in <input class="t1-zip" id="t1zip" aria-label="Enter new zip code." name="zip" type="tel" pattern="[0-9]{5}" value="" max="99999" maxlength="5"></p>
<div class="t1-bundles">
<div class="t1-bundle-container"> <select class="t1-bundle-select Au" id="t1BundleSelect" aria-label="View more insurance products">
<option value="Au">Auto</option>
<option value="Ho">Home</option>
<option value="Re">Renters</option>
<option value="Li">Term Life</option>
<option value="Co">Condo</option>
<option value="Mo">Motorcycle</option>
<option value="Bo">Boat</option>
<option value="RV">Off-Road</option>
<option value="BI">Business</option>
<option value="PI">Pet</option>
<option value="EI">Event</option>
</select>
<div class="t1-check"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw==" data-blzsrc="/resources/images/MobileNavQuote/check.svg?v=7100845c-b1af-3293-2569-d299ebd8f645"
alt="Check Mark"></div>
<button class="t1-remove-product"><img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw=="
data-blzsrc="/resources/images/MobileNavQuote/close_x.svg?v=7100845c-b1af-3293-2569-d299ebd8f645" alt="X"></button>
<select class="t1-add-product" aria-label="View list of insurance products to select one." style="">
<option value="" selected="selected" disabled="disabled">+ Add another product to save</option>
<option value="Ho">Home</option>
<option value="Re">Renters</option>
<option value="Li">Term Life</option>
<option value="Mo">Motorcycle</option>
<option value="RV">Off-Road</option>
</select>
</div>
</div>
<button class="t1-get-a-quote" aria-label="Get a quote opens in the same window.">Get a quote</button>
<a href="https://purchase.allstate.com/onlineshopping/retrievequote?isRetrieve=true&intcid=/home/home.aspx|MainNav|RetrieveQuote" class="t1-retrieve" aria-label="Retrieve a saved quote section.">Retrieve a saved quote</a>
</div>
</li>
<li class="hidden-xs hidden-sm nav-quote nav-parent">
<button type="button" class="btn-quote no-expand" onkeyup="GlobalNavigation.openQuoteKey(event);">Get a Quote</button>
<div class="nav-child quote-box">
<div class="quote-header">
<p class="location">Your location is set for <br><span></span></p>
<p class="enterZip">Enter a valid US ZIP Code to set your location.</p>
<a name="&lpos=MainNav" href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data('component','MainNav').dialog('open');;" aria-label="Edit location section.">Edit location</a><span
class="locationinfo yellow-tooltip whiteicon" data-toggle="tooltip" data-placement="right" title="" data-original-title="Location determined by your computer's IP address."></span>
</div>
<div class="quote-body">
<p>Select a product to get a quote.</p>
<a href="https://purchase.allstate.com/onlinesalesweb/app/retrievequote/?intcid=/life-insurance/main.aspx|MainNav|RetrieveQuote" class="quote_retrieve openLinkModal" name="&lpos=MainNav" aria-label="Retrieve a saved quote section.">Retrieve a saved quote</a>
<style type="text/css">
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Au a:before {
background-position: 0 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Ho a:before {
background-position: -34px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Re a:before {
background-position: -68px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Li a:before {
background-position: -102px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Co a:before {
background-position: -136px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Mo a:before {
background-position: -170px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Bo a:before {
background-position: -204px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-RV a:before {
background-position: -238px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-BI a:before {
background-position: -272px 0;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-PI a:before {
background: url(/resources/images/petIcon.png?v=7100845c-b1af-3293-2569-d299ebd8f645);
background-size: 34px, 34px;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-EI a:before {
background: url(/resources/images/eventIcon.png?v=7100845c-b1af-3293-2569-d299ebd8f645);
background-size: 34px, 34px;
}
.GlobalNavigation .top-navigation .inner-wrapper .nav-quote .quote-box .quote-body ul li.quote-Mr a:before {
background-position: ;
}
</style>
<ul class="quote-options">
<li class="quote-Au">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Au','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Au','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Auto
section.">
Auto
</a>
</li>
<li class="quote-Ho">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Ho','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Ho','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Home
section.">
Home
</a>
</li>
<li class="quote-Re">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Re','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Re','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Renters
section.">
Renters
</a>
</li>
<li class="quote-Li">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Li','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Li','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Term Life
section.">
Term Life
</a>
</li>
<li class="quote-Co">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Co','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Co','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Condo
section.">
Condo
</a>
</li>
<li class="quote-Mo">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Mo','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Mo','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Motorcycle
section.">
Motorcycle
</a>
</li>
<li class="quote-Bo">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'Bo','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:Bo','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Boat
section.">
Boat
</a>
</li>
<li class="quote-RV">
<a href="#" onclick="$('#modalEditLocationOverlay').modal('show');ProcessMetrics('ZipOverlayEdit', ['Zip Overlay Edit', 'MainNav']);$(Global.zipCodeOverlayIdentifier).data({'quoteProduct':'RV','quoteCampaign':'/life-insurance/main.aspx?fake=|MainNav|quote_box:RV','component':'GlobalNavigation', 'quoteMobile': 'Y'}).dialog('open');" name="&lpos=MainNav" aria-label="
Off-Road Vehicle
section.">
Off-Road Vehicle
</a>
</li>
<li class="quote-BI">
<a href="/landingpages/small-business-quote.aspx?product=BI&intcid=/life-insurance/main.aspx|MainNav|quote_box:BI" class="getQuoteLink" name="&lpos=MainNav" onclick="_scLV('Business Insurance','MainNav','e');" aria-label="
Business Insurance
section.">
Business Insurance
</a>
</li>
<li class="quote-PI">
<a href="https://quote.embracepetinsurance.com/?brand=Allstate&senderId=A0C7242&utm_source=allstate-website&utm_medium=Allstate&utm_campaign=d2c&utm_content=get-quote&product=PI&intcid=/life-insurance/main.aspx|MainNav|quote_box:PI" class="getQuoteLink" name="&lpos=MainNav" onclick="_scLV('Pet Insurance','MainNav','e');" aria-label="
Pet Insurance
section.">
Pet Insurance
</a>
</li>
<li class="quote-EI">
<a href="https://www.markelinsurance.com/event/allstate?product=EI&intcid=/life-insurance/main.aspx|MainNav|quote_box:EI" class="getQuoteLink" name="&lpos=MainNav" onclick="_scLV('Event Insurance','MainNav','e');" aria-label="
Event Insurance
section.">
Event Insurance
</a>
</li>
<li class="quote-Mr">
<a href="#" onclick="window.location.href='/insurance/all-insurance-products.aspx?product=Mr&intcid=/life-insurance/main.aspx|MainNav|quote_box:Mr';" name="&lpos=MainNav" aria-label="
More Insurance
section.">
More Insurance
</a>
</li>
</ul>
</div>
</div>
</li>
<style type="text/css">
.gnSpriteImage a:before {
background-image: url(/resources/Allstate/images/global/icons/nav-icons-vertical-v5.png?v=7c301e36-8ad4-1a0c-86f2-d00f4ad81d91);
height: 50px;
width: 50px;
}
.nav-Roadside a:before {
background-position: center 0;
!important;
}
.nav-Roadside a:hover:before {
background-position: center 0;
!important;
}
.nav-Auto a:before {
background-position: center 0;
!important;
}
.nav-Auto a:hover:before {
background-position: center -59px;
!important;
}
.nav-Home a:before {
background-position: center -118px;
!important;
}
.nav-Home a:hover:before {
background-position: center -177px;
!important;
}
.nav-Renters a:before {
background-position: center -236px;
!important;
}
.nav-Renters a:hover:before {
background-position: center -295px;
!important;
}
.nav-Condo a:before {
background-position: center -354px;
!important;
}
.nav-Condo a:hover:before {
background-position: center -412px;
!important;
}
.nav-Motorcycle a:before {
background-position: center -472px;
!important;
}
.nav-Motorcycle a:hover:before {
background-position: center -531px;
!important;
}
.nav-Business a:before {
background-position: center -590px;
!important;
}
.nav-Business a:hover:before {
background-position: center -648px;
!important;
}
.nav-Life a:before {
background-position: center -708px;
!important;
}
.nav-Life a:hover:before {
background-position: center -767px;
!important;
}
.nav-Roadside a:before {
background-position: center -826px;
!important;
}
.nav-Roadside a:hover:before {
background-position: center -884px;
!important;
}
.nav-Identity a:before {
background-position: center -944px;
!important;
}
.nav-Identity a:hover:before {
background-position: center -1001px;
!important;
}
.nav-parent-secondary a:before {
background-position: center -1053px !important;
}
.nav-parent-secondary a:hover:before {
background-position: center -1122px !important;
}
.nav-parent-secondary.expanded a:before {
background-position: center -1190px !important;
}
.nav-parent-secondary.expanded a:hover:before {
background-position: center -1259px !important;
}
</style>
<li class="nav-insurance nav-parent nav-primary">
<a name="&lpos=MainNav" href="/" aria-label="Insurance & More insurance section.">Insurance & More</a>
<div class="nav-child">
<ul>
<li class="gnSpriteImage nav-Roadside hidden-md hidden-lg"><a href="/roadside-assistance.aspx" target="_top" aria-label="Roadside insurance section." alt="Roadside" name="&lpos=MainNav">Roadside</a></li>
<li class="gnSpriteImage nav-Auto "><a href="/auto-insurance.aspx" target="_top" aria-label="Auto insurance section." alt="Auto Insurance" name="&lpos=MainNav">Auto</a></li>
<li class="gnSpriteImage nav-Home "><a href="/home-insurance.aspx" target="_top" aria-label="Home insurance section." alt="Home Insurance" name="&lpos=MainNav">Home</a></li>
<li class="gnSpriteImage nav-Renters "><a href="/renters-insurance.aspx" target="_top" aria-label="Renters insurance section." alt="Renters Insurance" name="&lpos=MainNav">Renters</a></li>
<li class="gnSpriteImage nav-Condo "><a href="/condo-insurance.aspx" target="_top" aria-label="Condo insurance section." alt="Condo Insurance" name="&lpos=MainNav">Condo</a></li>
<li class="gnSpriteImage nav-Motorcycle "><a href="/motorcycle-insurance.aspx" target="_top" aria-label="Motorcycle insurance section." alt="Motorcycle Insurance" name="&lpos=MainNav">Motorcycle</a></li>
<li class="gnSpriteImage nav-Business "><a href="/business-insurance.aspx" target="_top" aria-label="Business insurance section." alt="Business Insurance" name="&lpos=MainNav">Business</a></li>
<li class="gnSpriteImage nav-Life "><a href="/life-insurance.aspx" target="_top" aria-label="Life insurance section." alt="Life Insurance" name="&lpos=MainNav">Life</a></li>
<li class="gnSpriteImage nav-Roadside hidden-xs hidden-sm"><a href="/roadside-assistance.aspx" target="_top" aria-label="Roadside insurance section." alt="Roadside" name="&lpos=MainNav">Roadside</a></li>
<li class="gnSpriteImage nav-Identity "><a href="/identity-protection.aspx" target="_top" aria-label="Identity insurance section." alt="Identity Protection logo. " name="&lpos=MainNav">Identity</a></li>
<li class="gnSpriteImage nav-parent-secondary"><a name="&lpos=MainNav" href="#" aria-label="More insurance section.">More</a>
<div class="nav-child-secondary">
<ul>
<li class=" "><a href="/boat-insurance.aspx" target="_top" alt="" aria-label="Boat insurance section." name="&lpos=MainNav">Boat</a></li>
<li class=" "><a href="/motor-home-insurance.aspx" target="_top" alt="" aria-label="Motorhome insurance section." name="&lpos=MainNav">Motorhome</a></li>
<li class=" "><a href="/off-road-vehicle-insurance.aspx" target="_top" alt="" aria-label="Off-Road insurance section." name="&lpos=MainNav">Off-Road</a></li>
<li class=" "><a href="/phone-protection-plus.aspx" target="_top" alt="" aria-label="Phone Protection insurance section." name="&lpos=MainNav">Phone Protection</a></li>
<li class=" "><a href="/pet-insurance.aspx" target="_top" alt="" aria-label="Pet insurance section." name="&lpos=MainNav">Pet</a></li>
<li class=" "><a href="/event-insurance.aspx" target="_top" alt="" aria-label="Event insurance section." name="&lpos=MainNav">Event</a></li>
<li class=" "><a href="//www.allstate.com/home-insurance/landlord-property-insurance.aspx" target="_top" alt="" aria-label="Landlord insurance section." name="&lpos=MainNav">Landlord</a></li>
<li class=" "><a href="/retirement.aspx" target="_top" alt="" aria-label="Retirement & Investments insurance section." name="&lpos=MainNav">Retirement & Investments</a></li>
<li class=" "><a href="/voluntary-employee-benefits.aspx" target="_top" alt="" aria-label="Voluntary Employee Benefits insurance section." name="&lpos=MainNav">Voluntary Employee Benefits</a></li>
<li class=" "><a href="https://goodlife.allstate.com/myoffers/" target="_blank" alt="" aria-label="My Offers insurance section." name="&lpos=MainNav">My Offers</a></li>
</ul>
</div>
</li>
</ul>
</div>
</li>
<style type="text/css">
.gnSpriteImage a:before {
background-image: url(/resources/Allstate/images/global/icons/nav-icons-vertical-v5.png?v=7c301e36-8ad4-1a0c-86f2-d00f4ad81d91);
height: 50px;
width: 50px;
}
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<li class="nav-parent nav-primary">
<a name="&lpos=MainNav" href="/" aria-label="Claims section.">Claims</a>
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<li class=" "><a href="//www.allstate.com/claims/file-claim.aspx" target="_top" alt="" aria-label="File A Claim section." name="&lpos=MainNav">File A Claim</a></li>
<li class=" "><a href="//www.allstate.com/claims/track-claim.aspx" target="_top" alt="" aria-label="Track A Claim section." name="&lpos=MainNav">Track A Claim</a></li>
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<li class=" "><a href="/claims/faq.aspx" target="_top" alt="" aria-label="FAQ section." name="&lpos=MainNav">FAQ</a></li>
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<a name="&lpos=MainNav" href="/" aria-label="Tools & Resources section.">Tools & Resources</a>
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<li class=" "><a href="/tr.aspx" target="_top" alt="" aria-label="Welcome section." name="&lpos=MainNav">Welcome</a></li>
<li class=" "><a href="/tr/car-insurance.aspx" target="_top" alt="" aria-label="Auto section." name="&lpos=MainNav">Auto</a></li>
<li class=" "><a href="/tr/home-insurance.aspx" target="_top" alt="" aria-label="Home section." name="&lpos=MainNav">Home</a></li>
<li class=" "><a href="/tr/motorcycle-insurance.aspx" target="_top" alt="" aria-label="Motorcycle section." name="&lpos=MainNav">Motorcycle</a></li>
<li class=" "><a href="/tr/renters-insurance.aspx" target="_top" alt="" aria-label="Renters section." name="&lpos=MainNav">Renters</a></li>
<li class=" "><a href="/tr/life-insurance.aspx" target="_top" alt="" aria-label="Life section." name="&lpos=MainNav">Life</a></li>
<li class=" "><a href="/tr/retirement.aspx" target="_top" alt="" aria-label="Retirement & Investments section." name="&lpos=MainNav">Retirement & Investments</a></li>
<li class=" "><a href="/tr/power-sports.aspx" target="_top" alt="" aria-label="Power Sports section." name="&lpos=MainNav">Power Sports</a></li>
<li class=" "><a href="/tr/business-insurance.aspx" target="_top" alt="" aria-label="Business Insurance section." name="&lpos=MainNav">Business Insurance</a></li>
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<div class="quote__inner">
<div class="quote__blurb">
<p class="blurb--title">Get an affordable life insurance quote.</p>
<p>It's easy to get a quick quote that fits your budget.</p>
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<p class="hero-disclaimer">Sample Rate: $15.09/mo for $250,000 of term life insurance for 20 years.<sup>1</sup></p>
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<div class="quote__inner">
<div class="quote__blurb">
<p class="blurb--title">Get an affordable life insurance quote.</p>
<p class="hideCopy">It's easy to get a quick quote that fits your budget.</p>
</div><!-- /End quote blurb -->
<div class="quote__cta">
<a class="btn btn-quote" href="https://purchase.allstate.com/onlineshopping/welcome?product=TLF&intcid=/life-insurance.aspx|hero|CTA_Quote|LI:201001" target="_blank">Quote term life now</a>
<div class="floating-quote" style="display: none;">
<a class="btn btn-quote" href="https://purchase.allstate.com/onlineshopping/welcome?product=TLF&intcid=/life-insurance.aspx|floating_quote|CTA_Quote|LI:201116" target="_blank">Quote term life now</a>
</div><!-- /End floating-quote cta -->
</div><!-- /End quote cta -->
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<ul class="nav bs-docs-sidenav">
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<span aria-label="">Life Insurance </span>
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<a href="/life-insurance.aspx" target="_top" name="&lpos=LeftNavigation">Life Insurance
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<div class="CenterWell" style="padding-top:10px; padding-bottom:11px;"> <h1 class="TitleOnly">Life Insurance</h1>
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<p></p>
<h2>What is Life Insurance?</h2> Everyone deserves a secure financial future — and that's why life insurance is so important. Whether you're just starting out or you're getting ready to retire, a life insurance policy can
help you give your family financial peace of mind if you are no longer there to provide for them.<p></p>
</div>
<h2>What Are the Different Types of Life Insurance? </h2>
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<p>Whether you'd like to help your family maintain its current lifestyle, pay college costs or leave a legacy for future generations, Allstate has options to fit your needs and budget.</p>
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<li class="bg-med-blue">
<h3 class="callOutTitle">Term Life<br>Insurance</h3>
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<li class="txt--med-blue">
<h3>Term Life<br>Insurance</h3>
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<li>Low cost</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="xlrgCopy">$15.09</p>
<span>per month<br>$250,000 of Protective<sup>®</sup> Classic Choice Term for 20 years. Rate shown is not available in New York.<sup>1</sup></span>
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<li>
<p class="quote--btn"><a href="https://purchase.allstate.com/onlineshopping/welcome?product=TLF&intcid=/life-insurance.aspx|table|CTA_Quote|LI:200529" class="btn btn-quote">Quote now</a></p>
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<a href="/tr/life-insurance/term-life-insurance-101.aspx"><li>Term Life 101</li></a>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>10-40 Years</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<sup>3</sup><i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>No</strong></li>
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<h3 class="callOutTitle">Permanent Life Insurance</h3>
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<h3>Universal Life<br>Insurance</h3>
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<li>Flexible protection</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary<br></p>
</li>
<li>
<p class="quote--btn quote-btn2"><a href="tel:800-497-7970" class="btn btn-primary">800-497-7970</a></p>
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<li><a href="/tr/life-insurance/universal-life-insurance.aspx">Universal Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
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<h3 class="callOutTitle">Permanent Life Insurance</h3>
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<h3>Whole Life<br>Insurance</h3>
</li>
<li>Fixed premiums</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary<br></p>
</li>
<li>
<p class="quote--btn quote-btn4"><a href="tel:800-497-7970" class="btn btn-primary">800-497-7970</a></p>
</li>
<a href="/tr/life-insurance/whole-life-insurance.aspx"><li>Whole Life 101</li></a>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
<div class="paddingBtm"></div>
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<ul class="pricingInfo borderBlGrey">
<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
</li>
<li class="txt--med-blue">
<h3>Variable Universal<br>Life Insurance</h3>
</li>
<li>Investment options</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary<sup class="supCopy">2</sup><br></p>
</li>
<li>
<p class="quote--btn quote-btn4"><a class="btn btn-primary" href="https://agents.allstate.com/locator.html" target="_blank">Find an agent</a></p>
</li>
<li><a href="/tr/life-insurance/variable-universal-life-insurance.aspx">Variable Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
</li>
<li><strong>Yes</strong></li>
<div class="paddingBtm"></div>
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<h3 class="callOutTitle">Permanent Life Insurance</h3>
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<h3>Whole Life<br>Insurance</h3>
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<li>Fixed premiums</li>
<li class="smGreyBox2"> Sample Rate</li>
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<p class="rate">Rates Vary</p>
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<p class="quote--btn quote-btn2"><a href="tel:800-497-7970" class="btn btn-primary" tabindex="-1">800-497-7970</a></p>
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<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
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<li class="txt--med-blue">
<h3>Variable Universal Life Insurance</h3>
</li>
<li>Investment options</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary<sup class="supCopy">2</sup></p>
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<p class="quote--btn quote-btn2"><a class="btn btn-primary" href="https://agents.allstate.com/locator.html" target="_blank" tabindex="-1">Find an agent</a></p>
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<li><a href="/tr/life-insurance/variable-universal-life-insurance.aspx" tabindex="-1">Variable Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
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<h3 class="callOutTitle1">Term Life Insurance</h3>
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<li class="txt--med-blue">
<h3>Term Life Insurance</h3>
</li>
<li>Low cost</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="xlrgCopy">$15.09</p>
<span>per month<br>$250,000 of Protective<sup>®</sup> Classic Choice Term for 20 years. Rate shown is not available in New York.<sup>1</sup></span>
</li>
<li>
<p class="quote--btn"><a href="https://purchase.allstate.com/onlineshopping/welcome?product=TLF&intcid=/life-insurance.aspx|table|CTA_Quote|LI:200529" class="btn btn-quote" tabindex="0">Quote now</a>
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<a href="/tr/life-insurance/term-life-insurance-101.aspx" tabindex="0"><li>Term Life 101</li></a>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>10-40 years</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<sup>3</sup><i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>No</strong></li>
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<ul class="pricingInfo borderBlGrey">
<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
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<li class="txt--med-blue">
<h3>Universal Life Insurance</h3>
</li>
<li>Flexible protection</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary</p>
</li>
<li>
<p class="quote--btn quote-btn2"><a href="tel:800-497-7970" class="btn btn-primary" tabindex="0">800-497-7970</a></p>
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<li><a href="/tr/life-insurance/universal-life-insurance.aspx" tabindex="0">Universal Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
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<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
</li>
<li class="txt--med-blue">
<h3>Whole Life<br>Insurance</h3>
</li>
<li>Fixed premiums</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary</p>
</li>
<li>
<p class="quote--btn quote-btn2"><a href="tel:800-497-7970" class="btn btn-primary" tabindex="-1">800-497-7970</a></p>
</li>
<a href="/tr/life-insurance/whole-life-insurance.aspx" tabindex="-1"><li>Whole Life 101</li></a>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
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<ul class="pricingInfo borderBlGrey">
<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
</li>
<li class="txt--med-blue">
<h3>Variable Universal Life Insurance</h3>
</li>
<li>Investment options</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary<sup class="supCopy">2</sup></p>
</li>
<li>
<p class="quote--btn quote-btn2"><a class="btn btn-primary" href="https://agents.allstate.com/locator.html" target="_blank" tabindex="-1">Find an agent</a></p>
</li>
<li><a href="/tr/life-insurance/variable-universal-life-insurance.aspx" tabindex="-1">Variable Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
<div class="paddingBtm"></div>
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<div class="col-xs-12 Padding showMobile">
<ul class="pricingInfo borderMdBlue">
<li class="bg-med-blue">
<h3 class="callOutTitle1">Term Life Insurance</h3>
</li>
<li class="txt--med-blue">
<h3>Term Life Insurance</h3>
</li>
<li>Low cost</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="xlrgCopy">$15.09</p>
<span>per month<br>$250,000 of Protective<sup>®</sup> Classic Choice Term for 20 years. Rate shown is not available in New York.<sup>1</sup></span>
</li>
<li>
<p class="quote--btn"><a href="https://purchase.allstate.com/onlineshopping/welcome?product=TLF&intcid=/life-insurance.aspx|table|CTA_Quote|LI:200529" class="btn btn-quote" tabindex="-1">Quote now</a>
</p>
</li>
<a href="/tr/life-insurance/term-life-insurance-101.aspx" tabindex="-1"><li>Term Life 101</li></a>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>10-40 years</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<sup>3</sup><i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>No</strong></li>
<div class="paddingBtm"></div>
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<!--Begin Mobile Panel 2-->
<div class="col-xs-12 showMobile">
<ul class="pricingInfo borderBlGrey">
<li class="bg-blue-grey">
<h3 class="callOutTitle">Permanent Life Insurance</h3>
</li>
<li class="txt--med-blue">
<h3>Universal Life Insurance</h3>
</li>
<li>Flexible protection</li>
<li class="smGreyBox2"> Sample Rate</li>
<li>
<p class="rate">Rates Vary</p>
</li>
<li>
<p class="quote--btn quote-btn2"><a href="tel:800-497-7970" class="btn btn-primary" tabindex="-1">800-497-7970</a></p>
</li>
<li><a href="/tr/life-insurance/universal-life-insurance.aspx" tabindex="-1">Universal Life 101</a></li>
<li class="smGreyBox2"> Coverage Length</li>
<li><strong>For Life</strong></li>
<li class="smGreyBox2"> Builds Cash
Value<i data-toggle="popoverTop" data-trigger="hover" data-content="Cash value is a savings-like feature that you can withdraw or borrow against while you're alive." class="glyphicon glyphicon-info-sign" aria-hidden="true" data-original-title="" title=""></i>
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<li><strong>Yes</strong></li>
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<p></p>
<h2>What is term life insurance?</h2>
<p>A term life insurance policy offers affordable, straightforward protection that lasts a defined period of time. Term life insurance is often the lowest priced coverage option, but it is temporary. It designed to help
replace your income if you pass away during earning years. Your family can use the death benefit to help pay for expenses like housing, childcare and groceries. With term life insurance, you'll have:</p>
<ul class="checkmarkBullet">
<div class="col-md-6">
<li><strong>A tax-free death benefit</strong><br>Provides your family stability at the very time they will need it most.</li>
<li><strong>Flexible policy lengths</strong><br>You can choose a term length between 10 and 40 years. </li>
</div>
<div class="col-md-6">
<li><strong>Affordable rates & payments</strong><br>Plans start as little as $15.09 per month for 20 years at $250,000.<sup>1</sup><br><em>Rate shown is not available in New York</em></li>
<li><strong>Flexibility to convert to permanent insurance</strong><br>Switch to longer term protection in the future as provided by policy provisions.</li>
</div>
</ul>
<p></p>
</div>
<h2>What is universal life insurance?</h2>
<div class="ParagraphText">
<p>A universal life insurance policy offers flexible protection that can last up to your lifetime and includes various cash accumulation options. If you want lifelong coverage, but with flexibility down the road, universal
life insurance may be a good option. This type of permanent life insurance offers: </p>
<ul class="checkmarkBullet">
<div class="col-md-6">
<li><strong>Death benefit protection</strong><br>As long as you pay the sufficient premiums, your protection never ends.</li>
<li><strong>Built-in flexibility</strong><br>You can increase or decrease your death benefit to meet your changing financial needs so long as sufficient premium is paid to keep the policy in force.<sup>4</sup></li>
</div>
<div class="col-md-6">
<li><strong>Expanded cash value options for certain policies</strong><br>Some universal life policies provide that the cash value can be linked to the broad performance of stock market index funds, but with limits on
how much you can gain or lose. Or, you can choose a guaranteed annual return option. It even offers flexibility to have a combination of both.</li>
</div>
</ul>
<p></p>
</div>
<h2>What is whole life insurance?</h2>
<div class="ParagraphText">
<p>A whole life insurance policy offers predictable lifelong protection with the most guarantees, including a fixed premium and death benefit. Whole life policies provide that the amount of life insurance coverage you buy
at the start of the policy remains the same throughout your lifetime. The cost is fixed, based on your age when you buy it. And the money paid to your family when you die is generally income tax free. This type of
permanent life insurance offers: </p>
<ul class="checkmarkBullet">
<div class="col-md-6">
<li><strong>Death benefit protection</strong><br>As long as you make the required payments, you can rest assured that your beneficiaries will receive the death benefit if pass away. </li>
<li><strong>Guaranteed <a href="https://www.allstate.com/tr/life-insurance/cash-value.aspx">cash value</a></strong><br>This policy's savings component allows the cash value to increase regardless of market conditions.
</li>
</div>
<div class="col-md-6">
<li><strong>The potential to earn dividends</strong><br>For participating policies, these earnings can be received in cash, accumulated at interest, used to buy additional life insurance or to help reduce premium
payments or pay outstanding loans.</li>
</div>
</ul>
<div style="clear:both"></div>
<p></p>
</div>
<h2>What is variable universal life insurance?</h2>
<div class="ParagraphText">
<p>A variable universal life insurance policy typically includes different investment options for your cash value, as well as flexibility in your death benefit. This type of permanent life insurance offers:</p>
<ul class="checkmarkBullet">
<div class="col-md-6">
<li><strong>A wider range of investment options</strong><br>Have the freedom to decide where to invest your cash value. Choose subaccounts similar to mutual funds or fixed accounts. This comes with higher growth
potential, and increased risk.</li>
</div>
<div class="col-md-6">
<li><strong>Full market participation</strong><br>No limits on how much cash value you can gain or lose like other universal life products. The value of your policy depends on the market performance of your
subaccounts. Your cash value growth is not limited, but like other investments, there is also potential to lose value. </li>
</div>
</ul>
<p></p>
</div>
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<h2>Life Insurance FAQs</h2>
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What is the difference between term life insurance and permanent life insurance?
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<p>Term life and permanent life are the two main types of life insurance policies. Both offer a tax-free death benefit to your
<a href="/tr/life-insurance/life-insurance-beneficiary.aspx">beneficiary</a>/beneficiaries if you pass away. Term life insurance provides coverage for a set period of time and is often the lowest priced
coverage option. <a href="/life-insurance/permanent-life-insurance.aspx">Permanent life insurance</a> provides the security of lifelong protection and can also build
<a href="/tools-and-resources/life-insurance/cash-value.aspx">cash value</a> over time.</p>
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How can life insurance help protect my family?
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<p>Life insurance can help protect your family members when they suffer the loss of a breadwinner or stay-at-home parent. Life insurance allows a family to help maintain its standard of living by providing
income-tax-free money to help pay for funeral expenses, pay off the mortgage, set aside college tuition for the kids and help provide financial peace of mind after the loss of a loved one.</p>
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Can life insurance be affordable on a tight budget?
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<p>It certainly can. The misconception about the price of life insurance is the main reason many people opt-out. Consumers think life insurance costs nearly three times the actual price, according to a report by
the nonprofit Life Happens. Premiums depend on many factors, including your age and health, so it's advised to look into life insurance now rather than waiting until you are older.</p>
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Can I adjust my life insurance plan or is it set in stone?
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<p>It depends on the type of life insurance policy that you have. Call <a href="tel:800-497-7970">800-497-7970</a> to determine the right type of life insurance policy for your needs.</p>
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<h2>Which Life Insurance Policy is Right For Me?</h2>
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<div class="col-md-4 image leftImage" dir="ltr"> <img src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw=="
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<p>To find the policy that is right for you, answer a few quick questions in the LifeTrek tool.</p>
<a href="https://www.allstatelifetrek.com/?adobe_mc=MCORGID%3D97021C8B53295DF30A490D4D%2540AdobeOrg%7CTS%3D1647342691#/en/page/doforyou" target="_blank" class="btn2 btn--white" aria-label="Get started with the LifeTrek tool. ">Get Started</a>
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<h2>How Much Life Insurance Do I Need?</h2>
<p>You can calculate roughly how much life insurance you may need by entering your annual income and the number of years your family would need to replace it. For a more detailed estimate, try our
<a href="/tr/life-insurance/how-much-life-insurance-calculator.aspx">coverage calculator.</a></p>
<div class="flex--parent-row-regular flex--wrap align--center">
<div class="range--group vr is--chrome">
<div class="range--spacer">
<div class="range--inner">
<label class="label " for="range-income" id="label--range-income">My annual income:<span class="range--value">$50,000</span></label>
<input aria-labelledby="label--range-income" class="input range" type="range" id="range-income" tabindex="" list="dlrange-income" name="income" min="0" max="200000" step="10000" value="50000">
</div>
<div class="range--values">
<div class="range--value ">$0</div>
<div class="range--value "></div>
<div class="range--value "></div>
<div class="range--value ">$200,000</div>
</div>
</div>
</div>
<div class="range--group vr is--chrome">
<div class="range--spacer">
<div class="range--inner">
<label class="label " for="range-years" id="label--range-years">Years of income replacement:<span class="range--value">10</span></label>
<input aria-labelledby="label--range-years" class="input range" type="range" id="range-years" tabindex="" list="dlrange-years" name="years" min="1" max="40" step="1" value="10">
</div>
<div class="range--values">
<div class="range--value ">1</div>
<div class="range--value "></div>
<div class="range--value "></div>
<div class="range--value ">40</div>
</div>
</div>
</div>
<div id="estimate--summary">
<div class="flex--child">
<h2 class="headline vr">Total you may need: <span class="estimated--amount estAmount">$500,000</span></h2>
<div class="wappper--button flex--child">
<a href="https://purchase.allstate.com/onlineshopping/welcome?Product=TLF&intcid=/life-insurance.aspx|hero|CTA_Quote|LI:191125" class="btn btn-quote">Get a term life quote</a>
</div>
<p class="vrp--half vrtp--half">Or for a permanent life insurance quote, call <a href="tel:800-497-7970">800-497-7970</a></p>
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<p></p>
<h2>How do I apply for life insurance?</h2>
<p>Once you've chosen the type and amount of life insurance that works for you, you'll need to take a few more steps to obtain your life insurance policy. Here's what to expect:</p>
<div class="col-md-12 threeColumnsCenter">
<div class="col-md-4 col-sm-12"> <img class="img-circle" src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw=="
data-blzsrc="/resources/Allstate/images/global/icons/icon-step-1-blue.svg?v=b112d5ab-11d7-bc67-c452-8173c2e2bfc3" alt="Step one icon" style="width:auto;">
<h4 class="top20">Complete an application</h4>
<p>Your health and lifestyle will be used to confirm your cost. The better your results, the better your price.</p>
</div>
<div class="col-md-4 col-sm-12"> <img class="img-circle" src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw=="
data-blzsrc="/resources/Allstate/images/global/icons/icon-step-2-blue.svg?v=b112d5ab-11d7-bc67-c452-8173c2e2bfc3" alt="Step two icon" style="width:auto;">
<h4 class="top20">Take a free medical exam</h4>
<p>Depending on the type of policy you applied for, you may need to take an easy, confidential medical exam.</p>
</div>
<div class="col-md-4 col-sm-12"> <img class="img-circle" src="data:image/gif;base64,R0lGODlhAQABAID/AMDAwAAAACH5BAEAAAAALAAAAAABAAEAQAICRAEAOw=="
data-blzsrc="/resources/Allstate/images/global/icons/icon-step-3-blue.svg?v=b112d5ab-11d7-bc67-c452-8173c2e2bfc3" alt="Step three icon" style="width:auto;">
<h4 class="top20">Sign and review your policy</h4>
<p>We'll finalize your plan based on your application and health exam (if applicable).</p>
</div>
</div>
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<p></p>
</div>
<div class="ParagraphText">
<p></p>
<h2>Why Do I Need Life Insurance?</h2> A lot can happen throughout your life—and as your world changes, so do your life insurance needs.<p></p>
</div>
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Starting your career
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<p></p>
<p>You dream big. And since you're just starting out as an adult, now's the perfect time to protect the life you have ahead of you—at the best rate possible.</p>
<p>Life insurance can help you:</p>
<ul>
<li>Establish yourself financially</li>
<li>Secure coverage and lower rates while you are young and in good health</li>
<li>Maintain coverage even if you change jobs or lose employer coverage</li>
<li>Protect co-signers or family from student debt should anything happen to you<sup>3</sup></li>
</ul>
<p></p>
</div>
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Growing your family
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<p></p>
<p>You're experiencing some of the biggest and best moments of your life. From expecting a new baby to buying your first house, at this stage, you have a lot to protect.</p>
<p>Life insurance can help you:</p>
<ul>
<li>Provide income to handle expenses if you are gone</li>
<li>Help make sure your family can stay in your home<sup>4</sup></li>
<li>Cover college expenses or pay off education debts<sup>3,4</sup></li>
<li>Leave money for your family — free from federal income tax</li>
</ul>
<p></p>
</div>
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Raising children on your own
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<p></p>
<p>Without a doubt, your first priority in life is taking care of your children. It's a good time to start thinking about their future.</p>
<p>Life insurance can help you:</p>
<ul>
<li>Provide financial stability to help protect the life you envision for your children</li>
<li>Cover educational costs, such as college tuition<sup>3,4</sup></li>
<li>Better prepare those who will be counted on to help raise your children should the unthinkable happen</li>
<li>Set the foundation for your future financial plans</li>
</ul>
<p></p>
</div>
</div>
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Nearing retirement
</a>
</h4>
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<p></p>
<p>If you're soon to be an empty-nester or a retiree, it's about time to confidently take that next step in life.</p>
<p>Life insurance can help you:</p>
<ul>
<li>Provide income replacement to preserve your family's lifestyle</li>
<li>Protect co-signers, children or grandchildren from debt should anything happen to you</li>
<li>Cover unexpected long-term care or final expenses<sup>3,4</sup></li>
<li>Leave an inheritance behind</li>
</ul>
<p></p>
</div>
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Living in retirement
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<p></p>
<p>You've been working for this your entire lifetime and with careful planning you're ready to make the most of it. Now's the time to reassess how life insurance can provide security during your golden years.</p>
<p>Life insurance can help you:</p>
<ul>
<li>Pay final expenses, such as estate administration and burial costs<sup>4</sup></li>
<li>Provide emergency funds by borrowing or withdrawing from a life insurance policy that carries a cash value<sup>3</sup></li>
<li>Help offset unexpected medical costs if you are diagnosed with a terminal illness<sup>5</sup></li>
<li>Leave a legacy to those who matter most to you</li>
</ul>
<p></p>
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<h2>Related resources</h2>
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<h3><a href="/tr/life-insurance/life-insurance-beneficiary.aspx" tabindex="0">What Is A Life Insurance Beneficiary?</a></h3>
<p>Learn how to choose a beneficiary for your policy.</p>
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data-blzsrc="/resources/Allstate/images/carousel/article-return-on-universal-life-policy.jpg?v=bedcda2a-6752-e629-858b-606df48f5b50" alt="Couple looking their computer. ">
<h3><a href="/tr/life-insurance/universal-policy-return-calculator.aspx" tabindex="0">What Is My Return On A Universal Life Insurance Policy?</a></h3>
<p>Calculate your return on a universal life insurance policy.</p>
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<p>Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and
benefits. Rates quoted are subject to change and are set at the company's sole discretion. Terms and limitations apply. See individual product riders for terms, conditions and restrictions. For costs and complete details
of coverage, call an Allstate agency.</p>
<p>This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Direct General Life Insurance Co.,
911 Chestnut Street, Orangeburg SC 29115 and American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. Life insurance also offered and issued by third party companies not affiliated with
Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
</p>
<p>Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member
<a href="https://www.finra.org/#/" target="_blank">FINRA</a>, <a href="https://www.sipc.org/" target="_blank">SIPC</a>. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. <strong>Check the background
of this firm on FINRA's BrokerCheck website (<a href="https://brokercheck.finra.org/" target="_blank">https://brokercheck.finra.org</a>).</strong></p>
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<p class="disclaimerAccordion"><sup>1</sup>Protective<sup>®</sup> Classic Choice Term (ICC16-TL21 / TL-21) a term life insurance policy issued by Protective Life Insurance Company, Nashville, TN, with
administrative offices at 2801 Highway 280 South, Birmingham, AL 35223. In New York, Protective<sup>®</sup> Classic Choice Term (TL-21-NY 4-16) a term life insurance policy issued by Protective Life and Annuity
Insurance Company, Birmingham, AL. Policy form numbers, product features and availability may vary by state. All payments and all guarantees are subject to the claims paying ability of Protective Life Insurance
Company. The monthly cost shown is based on a male, age 37 Select Preferred underwriting class for a policy not issued in NY; rates for other underwriting classifications would be higher. Further underwriting
restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here.</p>
<p class="disclaimerAccordion"><sup>2</sup>Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death
benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a policy. These policies have limitations and are sold by
prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. To obtain a replacement
prospectus or a copy of the underlying portfolio prospectuses, please contact the issuing insurance company. Please read the prospectus carefully before purchasing a contract.</p>
<p class="disclaimerAccordion"><sup>3</sup>Loans, if not repaid, and withdrawals reduce the contract's death benefit and cash value. Partial withdrawals and surrenders from life policies are generally taxed as
ordinary income to the extent the withdrawal exceeds your investment in the contract, which is also called the "basis". In some situations, partial withdrawals during the first 15 policy years may result in
taxable income prior to recovery of the 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. If a policy is a modified endowment contract, loans are treated as a taxable distribution to the extent of policy gain.
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 59½.
</p>
<p class="disclaimerAccordion"><sup>4</sup>Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information.</p>
<p class="disclaimerAccordion"><sup>5</sup>Death benefit may be used for any purpose.</p>
<p class="disclaimerAccordion"><sup>6</sup>This feature is accessible through the accelerated death benefit rider on some life insurance policies. Please see riders for terms, conditions and restrictions.
Additional costs may apply. Subject to state-specific terms and availability. 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.</p>
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Get an affordable life insurance quote.
It's easy to get a quick quote that fits your budget.
Quote term life now
Sample Rate: $15.09/mo for $250,000 of term life insurance for 20 years.1
Get an affordable life insurance quote.
It's easy to get a quick quote that fits your budget.
Quote term life now
Quote term life now
* Life Insurance
* Life Insurance
* Coverage & Policies
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1.
2. Life Insurance
LIFE INSURANCE
WHAT IS LIFE INSURANCE?
Everyone deserves a secure financial future — and that's why life insurance is
so important. Whether you're just starting out or you're getting ready to
retire, a life insurance policy can help you give your family financial peace of
mind if you are no longer there to provide for them.
WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?
Whether you'd like to help your family maintain its current lifestyle, pay
college costs or leave a legacy for future generations, Allstate has options to
fit your needs and budget.
* TERM LIFE
INSURANCE
* TERM LIFE
INSURANCE
* Low cost
* Sample Rate
* $15.09
per month
$250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not
available in New York.1
* Quote now
Term Life 101
* Coverage Length
* 10-40 Years
* Builds Cash Value3
* No
* PERMANENT LIFE INSURANCE
* UNIVERSAL LIFE
INSURANCE
* Flexible protection
* Sample Rate
* Rates Vary
* 800-497-7970
* Universal Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* WHOLE LIFE
INSURANCE
* Fixed premiums
* Sample Rate
* Rates Vary
* 800-497-7970
Whole Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* VARIABLE UNIVERSAL
LIFE INSURANCE
* Investment options
* Sample Rate
* Rates Vary2
* Find an agent
* Variable Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* WHOLE LIFE
INSURANCE
* Fixed premiums
* Sample Rate
* Rates Vary
* 800-497-7970
Whole Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* VARIABLE UNIVERSAL LIFE INSURANCE
* Investment options
* Sample Rate
* Rates Vary2
* Find an agent
* Variable Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* TERM LIFE INSURANCE
* TERM LIFE INSURANCE
* Low cost
* Sample Rate
* $15.09
per month
$250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not
available in New York.1
* Quote now
Term Life 101
* Coverage Length
* 10-40 years
* Builds Cash Value3
* No
* PERMANENT LIFE INSURANCE
* UNIVERSAL LIFE INSURANCE
* Flexible protection
* Sample Rate
* Rates Vary
* 800-497-7970
* Universal Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* WHOLE LIFE
INSURANCE
* Fixed premiums
* Sample Rate
* Rates Vary
* 800-497-7970
Whole Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* PERMANENT LIFE INSURANCE
* VARIABLE UNIVERSAL LIFE INSURANCE
* Investment options
* Sample Rate
* Rates Vary2
* Find an agent
* Variable Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
* TERM LIFE INSURANCE
* TERM LIFE INSURANCE
* Low cost
* Sample Rate
* $15.09
per month
$250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not
available in New York.1
* Quote now
Term Life 101
* Coverage Length
* 10-40 years
* Builds Cash Value3
* No
* PERMANENT LIFE INSURANCE
* UNIVERSAL LIFE INSURANCE
* Flexible protection
* Sample Rate
* Rates Vary
* 800-497-7970
* Universal Life 101
* Coverage Length
* For Life
* Builds Cash Value
* Yes
Previous Next
* 1
* 2
WHAT IS TERM LIFE INSURANCE?
A term life insurance policy offers affordable, straightforward protection that
lasts a defined period of time. Term life insurance is often the lowest priced
coverage option, but it is temporary. It designed to help replace your income if
you pass away during earning years. Your family can use the death benefit to
help pay for expenses like housing, childcare and groceries. With term life
insurance, you'll have:
A tax-free death benefit
Provides your family stability at the very time they will need it most. Flexible
policy lengths
You can choose a term length between 10 and 40 years.
Affordable rates & payments
Plans start as little as $15.09 per month for 20 years at $250,000.1
Rate shown is not available in New York Flexibility to convert to permanent
insurance
Switch to longer term protection in the future as provided by policy provisions.
WHAT IS UNIVERSAL LIFE INSURANCE?
A universal life insurance policy offers flexible protection that can last up to
your lifetime and includes various cash accumulation options. If you want
lifelong coverage, but with flexibility down the road, universal life insurance
may be a good option. This type of permanent life insurance offers:
Death benefit protection
As long as you pay the sufficient premiums, your protection never ends. Built-in
flexibility
You can increase or decrease your death benefit to meet your changing financial
needs so long as sufficient premium is paid to keep the policy in force.4
Expanded cash value options for certain policies
Some universal life policies provide that the cash value can be linked to the
broad performance of stock market index funds, but with limits on how much you
can gain or lose. Or, you can choose a guaranteed annual return option. It even
offers flexibility to have a combination of both.
WHAT IS WHOLE LIFE INSURANCE?
A whole life insurance policy offers predictable lifelong protection with the
most guarantees, including a fixed premium and death benefit. Whole life
policies provide that the amount of life insurance coverage you buy at the start
of the policy remains the same throughout your lifetime. The cost is fixed,
based on your age when you buy it. And the money paid to your family when you
die is generally income tax free. This type of permanent life insurance offers:
Death benefit protection
As long as you make the required payments, you can rest assured that your
beneficiaries will receive the death benefit if pass away. Guaranteed cash value
This policy's savings component allows the cash value to increase regardless of
market conditions.
The potential to earn dividends
For participating policies, these earnings can be received in cash, accumulated
at interest, used to buy additional life insurance or to help reduce premium
payments or pay outstanding loans.
WHAT IS VARIABLE UNIVERSAL LIFE INSURANCE?
A variable universal life insurance policy typically includes different
investment options for your cash value, as well as flexibility in your death
benefit. This type of permanent life insurance offers:
A wider range of investment options
Have the freedom to decide where to invest your cash value. Choose subaccounts
similar to mutual funds or fixed accounts. This comes with higher growth
potential, and increased risk.
Full market participation
No limits on how much cash value you can gain or lose like other universal life
products. The value of your policy depends on the market performance of your
subaccounts. Your cash value growth is not limited, but like other investments,
there is also potential to lose value.
LIFE INSURANCE FAQS
WHAT IS THE DIFFERENCE BETWEEN TERM LIFE INSURANCE AND PERMANENT LIFE INSURANCE?
Term life and permanent life are the two main types of life insurance policies.
Both offer a tax-free death benefit to your beneficiary/beneficiaries if you
pass away. Term life insurance provides coverage for a set period of time and is
often the lowest priced coverage option. Permanent life insurance provides the
security of lifelong protection and can also build cash value over time.
HOW CAN LIFE INSURANCE HELP PROTECT MY FAMILY?
Life insurance can help protect your family members when they suffer the loss of
a breadwinner or stay-at-home parent. Life insurance allows a family to help
maintain its standard of living by providing income-tax-free money to help pay
for funeral expenses, pay off the mortgage, set aside college tuition for the
kids and help provide financial peace of mind after the loss of a loved one.
CAN LIFE INSURANCE BE AFFORDABLE ON A TIGHT BUDGET?
It certainly can. The misconception about the price of life insurance is the
main reason many people opt-out. Consumers think life insurance costs nearly
three times the actual price, according to a report by the nonprofit Life
Happens. Premiums depend on many factors, including your age and health, so it's
advised to look into life insurance now rather than waiting until you are older.
CAN I ADJUST MY LIFE INSURANCE PLAN OR IS IT SET IN STONE?
It depends on the type of life insurance policy that you have. Call 800-497-7970
to determine the right type of life insurance policy for your needs.
WHICH LIFE INSURANCE POLICY IS RIGHT FOR ME?
To find the policy that is right for you, answer a few quick questions in the
LifeTrek tool.
Get Started
HOW MUCH LIFE INSURANCE DO I NEED?
You can calculate roughly how much life insurance you may need by entering your
annual income and the number of years your family would need to replace it. For
a more detailed estimate, try our coverage calculator.
My annual income:$50,000
$0
$200,000
Years of income replacement:10
1
40
TOTAL YOU MAY NEED: $500,000
Get a term life quote
Or for a permanent life insurance quote, call 800-497-7970
HOW DO I APPLY FOR LIFE INSURANCE?
Once you've chosen the type and amount of life insurance that works for you,
you'll need to take a few more steps to obtain your life insurance policy.
Here's what to expect:
COMPLETE AN APPLICATION
Your health and lifestyle will be used to confirm your cost. The better your
results, the better your price.
TAKE A FREE MEDICAL EXAM
Depending on the type of policy you applied for, you may need to take an easy,
confidential medical exam.
SIGN AND REVIEW YOUR POLICY
We'll finalize your plan based on your application and health exam (if
applicable).
WHY DO I NEED LIFE INSURANCE?
A lot can happen throughout your life—and as your world changes, so do your life
insurance needs.
STARTING YOUR CAREER
You dream big. And since you're just starting out as an adult, now's the perfect
time to protect the life you have ahead of you—at the best rate possible.
Life insurance can help you:
* Establish yourself financially
* Secure coverage and lower rates while you are young and in good health
* Maintain coverage even if you change jobs or lose employer coverage
* Protect co-signers or family from student debt should anything happen to you3
GROWING YOUR FAMILY
You're experiencing some of the biggest and best moments of your life. From
expecting a new baby to buying your first house, at this stage, you have a lot
to protect.
Life insurance can help you:
* Provide income to handle expenses if you are gone
* Help make sure your family can stay in your home4
* Cover college expenses or pay off education debts3,4
* Leave money for your family — free from federal income tax
RAISING CHILDREN ON YOUR OWN
Without a doubt, your first priority in life is taking care of your children.
It's a good time to start thinking about their future.
Life insurance can help you:
* Provide financial stability to help protect the life you envision for your
children
* Cover educational costs, such as college tuition3,4
* Better prepare those who will be counted on to help raise your children
should the unthinkable happen
* Set the foundation for your future financial plans
NEARING RETIREMENT
If you're soon to be an empty-nester or a retiree, it's about time to
confidently take that next step in life.
Life insurance can help you:
* Provide income replacement to preserve your family's lifestyle
* Protect co-signers, children or grandchildren from debt should anything
happen to you
* Cover unexpected long-term care or final expenses3,4
* Leave an inheritance behind
LIVING IN RETIREMENT
You've been working for this your entire lifetime and with careful planning
you're ready to make the most of it. Now's the time to reassess how life
insurance can provide security during your golden years.
Life insurance can help you:
* Pay final expenses, such as estate administration and burial costs4
* Provide emergency funds by borrowing or withdrawing from a life insurance
policy that carries a cash value3
* Help offset unexpected medical costs if you are diagnosed with a terminal
illness5
* Leave a legacy to those who matter most to you
RELATED RESOURCES
WHAT IS A LIFE INSURANCE BENEFICIARY?
Learn how to choose a beneficiary for your policy.
WHAT IS MY RETURN ON A UNIVERSAL LIFE INSURANCE POLICY?
Calculate your return on a universal life insurance policy.
Previous Next
Policy issuance is subject to availability and qualifications. These policies
have exclusions, limitations, and terms that may affect coverage, renewal,
cancellation, termination, or other contractual rights and benefits. Rates
quoted are subject to change and are set at the company's sole discretion. Terms
and limitations apply. See individual product riders for terms, conditions and
restrictions. For costs and complete details of coverage, call an Allstate
agency.
This life insurance information is provided for general consumer educational
purposes and is not intended to provide legal, tax or investment advice.
Allstate life insurance issued by Direct General Life Insurance Co., 911
Chestnut Street, Orangeburg SC 29115 and American Heritage Life Ins. Co., 1776
American Heritage Life Dr., Jacksonville FL 32224. Life insurance also offered
and issued by third party companies not affiliated with Allstate. Each company
is solely responsible for the financial obligations accruing under the products
it issues. Product guarantees are backed by the financial strength and
claims-paying ability of the issuing company.
Securities offered by Personal Financial Representatives 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. Check the background of this firm on FINRA's BrokerCheck website
(https://brokercheck.finra.org).
ADDITIONAL TERMS AND CONDITIONS
1Protective® Classic Choice Term (ICC16-TL21 / TL-21) a term life insurance
policy issued by Protective Life Insurance Company, Nashville, TN, with
administrative offices at 2801 Highway 280 South, Birmingham, AL 35223. In New
York, Protective® Classic Choice Term (TL-21-NY 4-16) a term life insurance
policy issued by Protective Life and Annuity Insurance Company, Birmingham, AL.
Policy form numbers, product features and availability may vary by state. All
payments and all guarantees are subject to the claims paying ability of
Protective Life Insurance Company. The monthly cost shown is based on a male,
age 37 Select Preferred underwriting class for a policy not issued in NY; rates
for other underwriting classifications would be higher. Further underwriting
restrictions may apply. Other face amounts and guaranteed premium terms are
available but will have different rates than those shown here.
2Variable universal life products are long-term investments designed to provide
life insurance protection and flexibility in connection with premium payments
and death benefits. You should carefully consider the investment objectives,
risks, charges and expenses of the investment alternatives before purchasing a
policy. These policies have limitations and are sold by prospectus only. The
prospectus contains details on the investment alternatives, policy features, the
underlying portfolios, fees, charges, expenses and other pertinent information.
To obtain a replacement prospectus or a copy of the underlying portfolio
prospectuses, please contact the issuing insurance company. Please read the
prospectus carefully before purchasing a contract.
3Loans, if not repaid, and withdrawals reduce the contract's death benefit and
cash value. Partial withdrawals and surrenders from life policies are generally
taxed as ordinary income to the extent the withdrawal exceeds your investment in
the contract, which is also called the "basis". In some situations, partial
withdrawals during the first 15 policy years may result in taxable income prior
to recovery of the 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. If a policy is a modified endowment
contract, loans are treated as a taxable distribution to the extent of policy
gain. 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 59½.
4Increases in benefits are subject to underwriting approval. Changes to benefits
can have income tax consequences. Consult a tax advisor for additional
information.
5Death benefit may be used for any purpose.
6This feature is accessible through the accelerated death benefit rider on some
life insurance policies. Please see riders for terms, conditions and
restrictions. Additional costs may apply. Subject to state-specific terms and
availability. 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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