Page 22 - E. Cohen & Co. Allstate Benefits Flipbook 2020

Allstate Benefits Individual Whole Life Insurance (IWL) for Employee with riders (when available for the issue age): Allstate Benefits Individual Whole Life Insurance (IWL) for Employee with riders (when available for the issue age):

[100%] Accelerated Death Benefit for Chronic Illness (CI)†, Accelerated Death Benefit for Terminal Illness or Condition (TI), and Payor Waiver of Premium for Total

Disability (WP)*

N O N - T O B A C C O P R E M I U M R A T E S A N D V A L U E S N O N - T O B A C C O P R E M I U M R A T E S A N D V A L U E S

Death $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 Death

Benefit Benefit

Issue Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Biweekly CV @ age 65 Issue

Age Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Premium or 10 years¹ Age

18 $2.60 $3,517 $5.18 $7,034 $7.78 $10,551 $10.36 $14,068 $12.96 $17,585 $15.54 $21,102 $18.12 $24,619 18

19 2.40 3,498 4.78 6,997 7.18 10,495 9.56 13,993 11.94 17,492 14.32 20,990 16.72 24,488 19

20 2.46 3,479 4.92 6,957 7.36 10,436 9.82 13,914 12.26 17,393 14.72 20,872 17.16 24,350 20

21 2.54 3,458 5.08 6,916 7.60 10,374 10.14 13,832 12.66 17,290 15.20 20,748 17.74 24,206 21

22 2.64 3,436 5.26 6,873 7.90 10,309 10.52 13,745 13.16 17,182 15.78 20,618 18.42 24,054 22

23 2.74 3,413 5.46 6,827 8.20 10,240 10.92 13,653 13.66 17,067 16.38 20,480 19.12 23,893 23

24 2.88 3,389 5.74 6,778 8.60 10,168 11.46 13,557 14.32 16,946 17.18 20,335 20.06 23,724 24

25 3.00 3,364 6.00 6,727 9.00 10,091 12.00 13,455 15.00 16,819 17.98 20,182 20.98 23,546 25

26 3.14 3,337 6.28 6,674 9.42 10,011 12.56 13,348 15.70 16,685 18.84 20,021 21.98 23,358 26

27 3.30 3,308 6.58 6,617 9.88 9,925 13.16 13,234 16.44 16,542 19.74 19,850 23.02 23,159 27

28 3.44 3,278 6.86 6,557 10.30 9,835 13.72 13,114 17.16 16,392 20.58 19,670 24.02 22,949 28

29 3.60 3,247 7.18 6,494 10.78 9,741 14.36 12,988 17.96 16,235 21.54 19,481 25.14 22,728 29

30 3.78 3,214 7.54 6,427 11.32 9,641 15.08 12,855 18.84 16,069 22.62 19,282 26.38 22,496 30

31 3.96 3,179 7.92 6,357 11.86 9,536 15.82 12,715 19.78 15,894 23.74 19,072 27.68 22,251 31

32 4.16 3,142 8.32 6,284 12.48 9,426 16.64 12,568 20.78 15,710 24.94 18,851 29.10 21,993 32

33 4.40 3,103 8.78 6,207 13.18 9,310 17.56 12,414 21.96 15,517 26.34 18,620 30.74 21,724 33

34 4.74 3,063 9.46 6,126 14.20 9,189 18.92 12,252 23.66 15,316 28.38 18,379 33.12 21,442 34

35 5.08 3,021 10.14 6,042 15.22 9,064 20.28 12,085 25.36 15,106 30.42 18,127 35.48 21,148 35

36 5.26 2,978 10.54 5,955 15.80 8,933 21.06 11,910 26.32 14,888 31.58 17,866 36.84 20,843 36

37 5.46 2,932 10.92 5,864 16.36 8,797 21.82 11,729 27.26 14,661 32.72 17,593 38.18 20,525 37

38 5.76 2,885 11.52 5,769 17.28 8,654 23.04 11,539 28.80 14,424 34.56 17,308 40.32 20,193 38

39 6.08 2,835 12.14 5,670 18.22 8,505 24.28 11,340 30.36 14,175 36.42 17,010 42.50 19,845 39

40 6.40 2,782 12.80 5,565 19.18 8,347 25.58 11,130 31.98 13,912 38.36 16,694 44.76 19,477 40

41 6.76 2,727 13.50 5,454 20.26 8,180 27.02 10,907 33.76 13,634 40.52 16,361 47.28 19,088 41

42 7.18 2,668 14.36 5,336 21.54 8,004 28.72 10,672 35.88 13,340 43.06 16,007 50.24 18,675 42

43 7.64 2,605 15.26 5,211 22.90 7,816 30.52 10,422 38.16 13,027 45.78 15,632 53.42 18,238 43

44 8.10 2,539 16.20 5,078 24.30 7,617 32.40 10,156 40.50 12,695 48.58 15,233 56.68 17,772 44

45 8.56 2,468 17.08 4,936 25.64 7,405 34.18 9,873 42.72 12,341 51.26 14,809 59.80 17,277 45

46 9.10 2,393 18.18 4,786 27.26 7,179 36.34 9,572 45.42 11,966 54.50 14,359 63.58 16,752 46

47 9.70 2,313 19.36 4,626 29.06 6,940 38.74 9,253 48.40 11,566 58.08 13,879 67.78 16,192 47

48 10.34 2,228 20.66 4,456 31.00 6,685 41.32 8,913 51.64 11,141 61.96 13,369 72.30 15,597 48

49 11.00 2,138 21.98 4,276 32.98 6,414 43.96 8,552 54.96 10,690 65.94 12,827 76.92 14,965 49

50 11.70 2,042 23.38 4,084 35.08 6,125 46.78 8,167 58.46 10,209 70.16 12,251 81.84 14,293 50
¹ CV @ age 65 or 10 years - Cash Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the policy, and there is no policy debt.

This rate insert is for use with materials for applications taken in AK, AL, AR, AZ, CO, CT, DC, DE, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE,

NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WY, and is not to be used on its own. EOI = Evidence of Insurability. EOI is required for all quotes for

issue ages 66-80.
EXCLUSIONS AND LIMITATIONS: Suicide Exclusion - If a covered person commits suicide, the death benefit may be limited to the premiums paid for that covered person.

Other Exclusions and Limitations - The policy and riders (if included) have other elimination periods, exclusions and limitations that may affect coverage.

Please refer to the policy for details.

Rates shown are based on Tobacco/Non-tobacco, Issue Age Specific rating structure. BIWEEKLY means 26 times per year.

This information is valid as long as information remains current, but in no event later than 12/31/2021. Individual Whole Life Insurance benefits are provided under

form ICC18IWLP, or state variations thereof. Rider benefits are provided under the following forms, or state variations thereof: [100%] Accelerated Death Benefit for Allstate Benefits is a marketing

Chronic Illness (ICC18IWLPCI), Accelerated Death Benefit for Terminal Illness or Condition (ICC18IWLPTI), Payor Waiver of Premium for Total Disability name used by American Heritage

(ICC18IWLPWP), Children’s Term (ICC18IWLPCT), and Spouse's Level Term (ICC18IWLPST). Life Insurance Company, a

subsidiary of The Allstate
This is underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL).
Corporation. ©2020 Allstate
Details of the insurance, including exclusions, restrictions, and other provisions are included in the policies issued.
Insurance Company.

For additional information, you may contact your Allstate Benefits Representative. www.allstate.com or

The Children's Term (ICC18IWLPCT)‡ rider may be added to the Employee's policy for an additional premium. The additional biweekly premium for allstatebenefits.com

$10,000 is $2.22 for issue ages 18-55, or $2.10 for issue ages 56-65.

† Issue Ages 18-70 Only for [100%] Accelerated Death Benefit for Chronic Illness (CI). HO Use Only: MD-8721-TNTS-A_STD_-TRUE-60-FA-10000-

‡ Issue Ages 18-65 Only for Children's Term (CT) and Spouse's Level Term (ST) [Spouse's Term add-on cost is provided on a separate page]. 70000-10000-PI:E-26x-TI:T-PWP:T-ADB:F-TYT:0-CI:T-CT:T-

* Issue Ages 18-55 Only for Payor Waiver of Premium for Total Disability (WP). ST:T

Ratecard generated May 21, 2020 - 12:22 PM by IWL rate generator version: 2.43769.
ABJ20743-33333