Page 31 - 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 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 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 This section intentionally 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 left blank. Age

18 $6.48 $8,793 $12.96 $17,585 $19.42 $26,378 $25.90 $35,170 $32.36 $43,963 $38.84 $52,755 18

19 5.98 8,746 11.94 17,492 17.92 26,237 23.88 34,983 29.84 43,729 35.80 52,475 19

20 6.14 8,697 12.26 17,393 18.40 26,090 24.52 34,786 30.64 43,483 36.78 52,179 20

21 6.34 8,645 12.66 17,290 19.00 25,935 25.32 34,580 31.66 43,225 38.00 51,870 21

22 6.58 8,591 13.16 17,182 19.72 25,772 26.30 34,363 32.86 42,954 39.44 51,545 22

23 6.84 8,533 13.66 17,067 20.48 25,600 27.30 34,133 34.14 42,666 40.96 51,200 23

24 7.16 8,473 14.32 16,946 21.48 25,419 28.64 33,892 35.80 42,365 42.96 50,838 24

25 7.50 8,409 15.00 16,819 22.48 25,228 29.98 33,637 37.46 42,046 44.96 50,456 25

26 7.86 8,342 15.70 16,685 23.54 25,027 31.38 33,369 39.24 41,711 47.08 50,054 26

27 8.22 8,271 16.44 16,542 24.66 24,813 32.88 33,084 41.10 41,355 49.32 49,626 27

28 8.58 8,196 17.16 16,392 25.72 24,588 34.30 32,784 42.86 40,980 51.44 49,176 28

29 8.98 8,117 17.96 16,235 26.94 24,352 35.90 32,469 44.88 40,586 53.86 48,704 29

30 9.42 8,034 18.84 16,069 28.26 24,103 37.68 32,137 47.10 40,171 56.52 48,206 30

31 9.90 7,947 19.78 15,894 29.66 23,840 39.54 31,787 49.42 39,734 59.32 47,681 31

32 10.40 7,855 20.78 15,710 31.18 23,564 41.56 31,419 51.96 39,274 62.34 47,129 32

33 10.98 7,759 21.96 15,517 32.94 23,276 43.90 31,034 54.88 38,793 65.86 46,551 33

34 11.84 7,658 23.66 15,316 35.48 22,973 47.30 30,631 59.12 38,289 70.94 45,947 34

35 12.68 7,553 25.36 15,106 38.02 22,659 50.70 30,212 63.36 37,765 76.04 45,318 35

36 13.16 7,444 26.32 14,888 39.48 22,332 52.62 29,776 65.78 37,220 78.94 44,664 36

37 13.64 7,331 27.26 14,661 40.90 21,992 54.52 29,322 68.16 36,653 81.80 43,983 37

38 14.40 7,212 28.80 14,424 43.20 21,635 57.60 28,847 72.00 36,059 86.40 43,271 38

39 15.18 7,088 30.36 14,175 45.54 21,263 60.70 28,350 75.88 35,438 91.06 42,525 39

40 16.00 6,956 31.98 13,912 47.96 20,868 63.94 27,824 79.92 34,780 95.90 41,736 40

41 16.88 6,817 33.76 13,634 50.66 20,451 67.54 27,268 84.42 34,085 101.30 40,902 41

42 17.94 6,670 35.88 13,340 53.82 20,009 71.76 26,679 89.72 33,349 107.66 40,019 42

43 19.08 6,514 38.16 13,027 57.22 19,541 76.30 26,054 95.36 32,568 114.44 39,081 43

44 20.26 6,347 40.50 12,695 60.74 19,042 80.98 25,389 101.22 31,736 121.46 38,084 44

45 21.36 6,171 42.72 12,341 64.06 18,512 85.42 24,682 106.78 30,853 128.14 37,023 45

46 22.72 5,983 45.42 11,966 68.12 17,948 90.82 23,931 113.54 29,914 136.24 35,897 46

47 24.22 5,783 48.40 11,566 72.62 17,349 96.82 23,132 121.00 28,915 145.22 34,698 47

48 25.82 5,571 51.64 11,141 77.46 16,712 103.26 22,282 129.08 27,853 154.90 33,423 48

49 27.48 5,345 54.96 10,690 82.42 16,034 109.90 21,379 137.36 26,724 164.84 32,069 49

50 29.24 5,105 58.46 10,209 87.70 15,314 116.92 20,418 146.14 25,523 175.38 30,627 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-25000-

‡ 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]. 150000-25000-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

NOTE: Quotes in columns with highlighted IWL Death Benefit require evidence of insurability (EOI). Ratecard generated May 21, 2020 - 12:23 PM by IWL rate generator version: 2.43769.
ABJ20743-55556