All State Insurance

Allstate Variable Life Insurance

Variable life insurance offers the advantages of universal life but allows you to take greater risks with your cash value leading to potentially higher earnings. But this policy has greater risks associated with it.

Allstate Term Life Insurance

Allstate offers term life policies for people between the ages of 18 and 70. Unlike most insurance companies that require you to purchase policies with a term of 10, 20, or 30 years, Allstate allows you to choose a term of any length between 10 and 30 years. You can renew your term life policy until the age of 95, though your premiums will increase based on your age. Allstate allows you to convert your policy to a whole life policy at the end of your term.Allstate offers different types of term life policies.

Basic Term Life Policy

The Basic Term Life Policy offers protection for up to 15 years with a death benefit of $50,000, $100,000, or $150,000. This policy requires no
medical exam, but you will have to answer some health questions. The premiums stay the same over the course of the policy. The Basic Term Policy is issued a lot faster than other policies, making it ideal for people who need quick coverage.

TrueFit Life Insurance Policy

The TrueFit Insurance Policy offers protection from 10 to 30 years. This policy allows policyholders to add layers of protection to their policies based
on their individual needs. This makes this policy flexible, allowing it to accommodate your changing needs.You have the option of maximizing your coverage and lowering premiums based on your needs. You can also choose coverage in one-year increments.

Riders

You can purchase the following riders with a life insurance policy with Allstate.

What determines my rates with Allstate ?

There are various factors that determine your rates, but in general, the healthier you are and the longer you ate likely to live, the lower the premiums. Some of the factors that determine your rates with Allstate are listed below.

Age

The younger you are, the less the rates, unless you have a medical condition.

Health History

This includes your health history and that of your immediate family. You will be asked about the following:

• Medical records
• MIB file, if you have any
• Results of any medical exams you had to take

• Answers to medical questions

High-Risk Jobs

If your job is risky, you will be charged higher premiums. Some high-risk jobs include:

• Construction workers
• Firefighters
• Pilots
• Police officers
• Truck drivers

Habits

Your lifestyle and habits also determine your premiums. So if you smoke or have hobbies like skydiving, you will be charged higher premiums.So if you want to qualify for reasonable rates with Allstate, keep the following in mind:

• Quit smoking
• Watch your weight
• Give up any dangerous hobbies
• Maintain a healthy lifestyle

How do I apply for a life insurance policy
with Allstate ?

Once you fill out your application, you will be required to share your medical history. If you have not done so, you will be contacted by Allstate’s medical
examiners. They will gather your medical history. This will involves questions on your medical history and that of your immediate family.

This may be followed by a medical exam that will involve:

• Blood tests
• Urine samples
• Measuring hight,weight and blood pressure

It is adviced that you avoid,high salt and cholesterol food and alcohol before the exam.

How do I make a claim with Allstate ?

The steps are pretty simple. You can call them at 1-800-366-3495 or contact your insurance agent. You will require the following information to file a claim:

• Date of birth of the insured
• Place of death of the insured
• Social Security Number
• The date of death of the insured
• The name of the insured
• The policy number

After you provide this information, Allstate will require you to submit certain documents. Allstate requires the original documents, so you cannot fax or email them, send them by mail. Once Allstate receives all the necessary documents, they will take between 7 and 10 days to process your claim. You can receive the death benefit as a single lump-sum payment, monthly payment, a single check, or a direct deposit to your account.