Page 26 - 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)*

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 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

19 $3.90 $4,397 $7.80 $8,794 $11.70 $13,192 $15.58 $17,589 $19.48 $21,986 $23.36 $26,383 $27.26 $30,780 19

20 3.92 4,373 7.84 8,745 11.76 13,118 15.68 17,491 19.60 21,864 23.52 26,236 27.44 30,609 20

21 4.10 4,347 8.20 8,694 12.30 13,041 16.38 17,388 20.48 21,735 24.58 26,081 28.68 30,428 21

22 4.28 4,320 8.56 8,640 12.84 12,959 17.12 17,279 21.40 21,599 25.66 25,919 29.94 30,239 22

23 4.48 4,291 8.94 8,582 13.42 12,873 17.86 17,164 22.34 21,456 26.80 25,747 31.28 30,038 23

24 4.68 4,261 9.36 8,522 14.02 12,783 18.70 17,044 23.38 21,306 28.04 25,567 32.72 29,828 24

25 4.92 4,230 9.82 8,459 14.72 12,689 19.62 16,918 24.52 21,148 29.42 25,377 34.32 29,607 25

26 5.14 4,196 10.24 8,392 15.38 12,589 20.50 16,785 25.62 20,981 30.74 25,177 35.86 29,373 26

27 5.36 4,161 10.70 8,322 16.06 12,483 21.42 16,644 26.76 20,805 32.12 24,966 37.46 29,127 27

28 5.60 4,124 11.18 8,247 16.78 12,371 22.36 16,495 27.96 20,619 33.54 24,742 39.14 28,866 28

29 5.82 4,084 11.64 8,169 17.46 12,253 23.28 16,337 29.10 20,422 34.92 24,506 40.74 28,590 29

30 6.04 4,043 12.06 8,085 18.10 12,128 24.12 16,170 30.16 20,213 36.18 24,256 42.22 28,298 30

31 6.34 3,999 12.66 7,997 18.98 11,996 25.30 15,994 31.62 19,993 37.96 23,992 44.28 27,990 31

32 6.64 3,952 13.28 7,904 19.92 11,857 26.56 15,809 33.18 19,761 39.82 23,713 46.46 27,665 32

33 6.98 3,903 13.96 7,806 20.94 11,709 27.92 15,612 34.90 19,516 41.88 23,419 48.86 27,322 33

34 7.36 3,852 14.70 7,703 22.04 11,555 29.40 15,407 36.74 19,259 44.08 23,110 51.44 26,962 34

35 7.70 3,798 15.38 7,596 23.08 11,394 30.76 15,192 38.46 18,990 46.14 22,787 53.84 26,585 35

36 8.06 3,741 16.12 7,483 24.18 11,224 32.24 14,965 40.30 18,707 48.34 22,448 56.40 26,189 36

37 8.52 3,682 17.02 7,364 25.52 11,046 34.02 14,728 42.54 18,411 51.04 22,093 59.54 25,775 37

38 9.00 3,620 17.98 7,240 26.96 10,861 35.94 14,481 44.92 18,101 53.90 21,721 62.88 25,341 38

39 9.48 3,555 18.94 7,110 28.40 10,666 37.86 14,221 47.32 17,776 56.78 21,331 66.24 24,886 39

40 9.92 3,487 19.82 6,974 29.74 10,460 39.64 13,947 49.54 17,434 59.44 20,921 69.36 24,408 40

41 10.50 3,415 21.00 6,829 31.48 10,244 41.98 13,659 52.46 17,074 62.96 20,488 73.46 23,903 41

42 11.12 3,339 22.22 6,677 33.32 10,016 44.44 13,354 55.54 16,693 66.64 20,031 77.74 23,370 42

43 11.76 3,258 23.52 6,515 35.26 9,773 47.02 13,031 58.76 16,289 70.52 19,546 82.28 22,804 43

44 12.44 3,172 24.88 6,344 37.32 9,516 49.74 12,688 62.18 15,860 74.62 19,032 87.04 22,204 44

45 13.10 3,081 26.18 6,161 39.28 9,242 52.36 12,323 65.44 15,404 78.54 18,484 91.62 21,565 45

46 13.82 2,984 27.64 5,967 41.44 8,951 55.26 11,935 69.06 14,919 82.88 17,902 96.70 20,886 46

47 14.62 2,881 29.26 5,762 43.88 8,642 58.48 11,523 73.10 14,404 87.72 17,285 102.34 20,166 47

48 15.50 2,772 30.98 5,543 46.46 8,315 61.94 11,086 77.44 13,858 92.92 16,630 108.40 19,401 48

49 16.36 2,656 32.72 5,311 49.08 7,967 65.44 10,623 81.78 13,279 98.14 15,934 114.50 18,590 49

50 17.30 2,533 34.60 5,065 51.88 7,598 69.18 10,130 86.48 12,663 103.76 15,195 121.06 17,728 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

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