Page 28 - E. Cohen & Co. Allstate Benefits Flipbook 2020

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

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

51 $18.36 $2,401 $36.72 $4,803 $55.08 $7,204 $73.42 $9,606 $91.78 $12,007 $110.14 $14,408 $128.50 $16,810 51

52 19.48 2,262 38.96 4,524 58.44 6,786 77.90 9,048 97.38 11,311 116.86 13,573 136.32 15,835 52

53 20.68 2,114 41.32 4,227 62.00 6,341 82.66 8,455 103.30 10,569 123.98 12,682 144.64 14,796 53

54 21.96 1,956 43.90 3,912 65.86 5,867 87.80 7,823 109.76 9,779 131.70 11,735 153.66 13,691 54

55 23.26 1,788 46.50 3,575 69.76 5,363 92.98 7,150 116.24 8,938 139.48 10,725 162.72 12,513 55

56 23.66 1,843 47.32 3,686 70.98 5,528 94.62 7,371 118.28 9,214 141.94 11,057 165.58 12,900 56

57 25.18 1,898 50.34 3,795 75.50 5,693 100.66 7,590 125.84 9,488 151.00 11,386 176.16 13,283 57

58 26.80 1,953 53.58 3,905 80.36 5,858 107.14 7,811 133.94 9,764 160.72 11,716 187.50 13,669 58

59 28.32 2,008 56.62 4,017 84.94 6,025 113.26 8,034 141.56 10,042 169.88 12,050 198.18 14,059 59

60 29.78 2,065 59.54 4,130 89.30 6,196 119.06 8,261 148.82 10,326 178.58 12,391 208.34 14,456 60

61 31.48 2,123 62.94 4,245 94.42 6,368 125.88 8,491 157.36 10,614 188.82 12,736 220.30 14,859 61

62 33.56 2,182 67.10 4,364 100.64 6,546 134.20 8,728 167.74 10,910 201.28 13,092 234.82 15,274 62

63 35.62 2,244 71.24 4,488 106.86 6,732 142.48 8,976 178.08 11,220 213.70 13,464 249.32 15,708 63

64 37.80 2,315 75.60 4,631 113.42 6,946 151.20 9,261 189.00 11,577 226.80 13,892 264.60 16,207 64

65 39.60 2,405 79.18 4,811 118.78 7,216 158.36 9,621 197.94 12,027 237.54 14,432 277.12 16,837 65

w/EOI w/EOI

66 41.40 2,501 82.80 5,002 124.18 7,502 165.58 10,003 206.98 12,504 248.36 15,005 289.76 17,506 66

67 44.32 2,603 88.62 5,206 132.94 7,809 177.26 10,412 221.56 13,015 265.88 15,618 310.18 18,221 67

68 47.78 2,713 95.56 5,425 143.34 8,138 191.12 10,851 238.90 13,564 286.66 16,276 334.44 18,989 68

69 51.20 2,831 102.38 5,662 153.58 8,493 204.76 11,324 255.94 14,156 307.14 16,987 358.32 19,818 69

70 54.66 2,957 109.34 5,914 164.00 8,871 218.66 11,828 273.32 14,785 327.98 17,742 382.64 20,699 70

71 53.28 3,088 106.54 6,175 159.82 9,263 213.08 12,350 266.36 15,438 319.62 18,526 372.90 21,613 71

72 57.32 3,221 114.62 6,442 171.92 9,663 229.22 12,884 286.52 16,105 343.84 19,326 401.14 22,547 72

73 61.74 3,355 123.48 6,710 185.22 10,065 246.94 13,420 308.68 16,775 370.42 20,130 432.16 23,485 73

74 66.68 3,490 133.36 6,979 200.02 10,469 266.70 13,958 333.38 17,448 400.04 20,937 466.72 24,427 74

75 72.20 3,632 144.40 7,263 216.60 10,895 288.80 14,526 361.00 18,158 433.18 21,789 505.38 25,421 75

76 78.38 3,778 156.76 7,557 235.14 11,335 313.52 15,113 391.90 18,892 470.26 22,670 548.64 26,448 76

77 85.28 3,928 170.54 7,856 255.82 11,784 341.08 15,712 426.36 19,640 511.62 23,567 596.90 27,495 77

78 92.94 4,091 185.86 8,183 278.80 12,274 371.72 16,365 464.64 20,457 557.56 24,548 650.50 28,639 78

79 101.44 4,279 202.86 8,557 304.28 12,836 405.70 17,114 507.12 21,393 608.54 25,672 709.96 29,950 79

80 110.84 4,511 221.68 9,021 332.50 13,532 443.32 18,043 554.16 22,554 665.00 27,064 775.82 31,575 80

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