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American Heritage Life Insurance Company
                                        A Disability Income Insurance Policy Illustration

           Issue State:   Massachusetts                   Type of Coverage:   Preferred
           Agent Name:   Allstate Benefits                 Elimination Period:   7 Day Accldent/7 Day Sickness
           Policy:      0I5W Disability Income             Benefit Period:    3 Months
                        (Dl5WMA) - Select Contingent Guarantee Issue
           Optional Riders:  On the Job Accident Total Disability Rider (R10I5)

           Minimum Annual             Maximum              Ages: 18-49         Ages: 50-59        Ages: 60-69
              Salary for
              Maximum    Hourly Wage   Monthly               Weekly             Weekly              Weekly
            Monthly Benefit            Benefit*             Premium             Premium            Premium
              $100,000      $48 08    $5,000.00              $36.28              $37.43             $57.97
              $98,000       $47.12    $4,900.00              $35.57              $36.71             $56.83
              $96,000       $46.15    $4,800.00              $34.87              $35.98             $55.69
              $94,000       $45.19    $4,700.00              $34.16              $35.25             $54.55
              $92,000       $44.23    $4,600.00              $33.46              $34.52             $53.41
              $90,000       $43.27    $4,500.00              $32.75              $33.79             $52.27
              $88,000       $42.31    $4,400.00              $32.04              $33.06             $51.13
              $86,000       $41.35    $4,300.00              $31.34              $32.33             $49.99
              $84,000       $40.38    $4,200.00              $30.63              $31.60             $48.85
              $82,000       $39.42    $4,100.00              $29.93              $30.87             $47.71
              $80,000       $38.46    $4,000.00              $29.22              $30.14             $46.57
              $78,000       $37.50    $3,900.00              $28.51              $29.41             $45.43
              $76,000       $36.54    $3,800.00              $27.81              $28.68             $44.29
              $74,000       $35.58    $3,700.00              $27.10              $27.95             $43.15
              $72,000       $34.62    $3,600.00              $26.39              $27.23             $42.01
              $70,000       $33.65    $3,500.00              $25.69              $26.50             $40.87
              $68,000       $32.69    $3,400.00              $24.98              $25.77             $39.73
              $66,000       $31.73    $3,300.00              $24.28              $25.04             $38.59
              $64,000       $30.77    $3,200.00              $23.57              $24.31             $37.45
              $62,000       $29.81    $3,100.00              $22.86              $23.58             $36.31
              $60,000       $28.85    $3,000.00              $22.16              $22.85             $35.17
              $58,000       $27.88    $2,900.00              $21.45              $22.12             $34.03
              $56,000       $26.92    $2,800.00              $20.75              $21.39             $32.89
              $54,000       $25.96    $2,700.00              $20 04              $20.66             $31.75
              $52,000       $25.00    $2,600.00              $19.33              $19.93             $30.61
              $50,000       $24.04    $2,500.00              $18.63              $19.20             $29.47
              $48,000       $23.08    $2,400.00              $17.92              $18.47             $28.33
              $46,000       $22.12    $2,300.00              $17.21              $17.75             $27.19
              $44,000       $21.15    $2,200.00              $16.51              $17.02             $26.05
              $42,000       $20.19    $2,100.00              $15.80              $16.29             $24.91
              $40,000       $19.23    $2,000.00              $15.10              $15.56             $23.77
              $38,000       $18.27    $1,900.00              $14.39              $14.83             $22.63
              $36,000       $17.31    $1,800.00              $13.68              $14.10             $21.49
              $34,000       $16.35    $1,700.00              $12.98              $13.37             $20.35
              $32,000       $15.38    $1,600.00              $12.27              $12.64             $19.21
              $30,000       $14.42    $1,500.00              $11.57              $11.91             $18.07
              $28,000       $13.46    $1,400.00              $10.86              $11.18             $16.93
              $26,000       $12.50    $1,300.00              $10.15              $10.45             $15.79
              $24,000       $11.54    $1,200.00               $9.45              $9.72              $14.65
              $22,000       $10.58    $1,100.00               $8.74              $8.99              $13.51
              $20,000       $9.62     $1,000.00               $8.03              $8.27              $12.37
              $18,000       $8.65      $900.00                $7.33              $7.54              $11.23
              $16,000       $7.69      $800.00                $6.62              $6.81              $10.09
              $14,000       $6.73      $700.00                $5.92              $6.08              $8.95
              $12,000       $5.77      $600.00                $5.21              $5.35              $7.81

           These rates are for agent use only and are not to be presented to the employee w�hout an approved case-specific marketing brochure that describes the benefits,
           exclusions, and limitations of this policy.  Please ask your producer for details.
           • The Maximum Monthly Benefit that can be applied for must be reduced by the Monthly Benefits of all other existing coverage.
                                                         December 3, 2018
                                                 This Illustration and rates Expire 12/31/2018
           Allstate Benefits is the marketing name for American Heritage Life Insurance Company, a subsidiary of the Allstate Corporation, Home Office:   �
           Northbrook,  Illinois. All products are underwritten by American Heritage Life Insurance Company, Home Office:  Jacksonville, Florida.  This
           illustration highlights some features of the policy and riders, but is not the insurance contract.  Only the actual policy and certificate provisions   Allstate
           control.  The policy and riders set forth, in detail, the rights and obligations of both the insured and the insurance company.  ©2018 Allstate
           Insurance Company.                                                                         n   ,.
                                                                                                           "'
           ver 12.28.17
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