Page 32 - 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)*

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

51 $31.10 $4,849 $62.20 $9,699 $93.30 $14,548 $124.40 $19,397 $155.48 $24,246 $186.58 $29,096 51

52 33.44 4,578 66.88 9,157 100.32 13,735 133.76 18,313 167.20 22,891 200.64 27,470 52

53 35.84 4,291 71.66 8,582 107.50 12,873 143.34 17,164 179.16 21,455 215.00 25,746 53

54 38.40 3,986 76.80 7,972 115.20 11,958 153.60 15,944 191.98 19,930 230.38 23,916 54

55 41.48 3,663 82.96 7,326 124.44 10,988 165.90 14,651 207.38 18,314 248.86 21,977 55

56 42.64 3,844 85.28 7,688 127.90 11,532 170.54 15,376 213.18 19,220 255.82 23,064 56

57 45.88 4,035 91.74 8,070 137.60 12,104 183.46 16,139 229.34 20,174 275.20 24,209 57

58 49.40 4,235 98.80 8,470 148.18 12,705 197.58 16,940 246.98 21,175 296.38 25,410 58

59 52.72 4,446 105.42 8,892 158.12 13,337 210.82 17,783 263.52 22,229 316.22 26,675 59

60 56.20 4,667 112.42 9,334 168.62 14,000 224.82 18,667 281.02 23,334 337.22 28,001 60

61 60.70 4,898 121.38 9,797 182.06 14,695 242.74 19,593 303.42 24,491 364.10 29,390 61

62 64.70 5,141 129.40 10,282 194.08 15,422 258.78 20,563 323.48 25,704 388.16 30,845 62

63 70.74 5,394 141.50 10,788 212.22 16,181 282.96 21,575 353.72 26,969 424.46 32,363 63

64 71.52 5,657 143.02 11,315 214.54 16,972 286.04 22,629 357.56 28,286 429.06 33,944 64

65 72.30 5,931 144.60 11,861 216.90 17,792 289.20 23,722 361.50 29,653 433.80 35,583 65

w/EOI w/EOI

66 83.28 6,214 166.54 12,428 249.82 18,641 333.08 24,855 416.36 31,069 499.62 37,283 66

67 89.74 6,507 179.44 13,014 269.18 19,520 358.90 26,027 448.62 32,534 538.34 39,041 67

68 102.12 6,809 204.24 13,618 306.36 20,426 408.46 27,235 510.58 34,044 612.70 40,853 68

69 105.42 7,119 210.82 14,238 316.22 21,356 421.62 28,475 527.02 35,594 632.44 42,713 69

70 113.22 7,434 226.46 14,869 339.68 22,303 452.90 29,737 566.12 37,171 679.34 44,606 70

71 108.86 7,808 217.72 15,615 326.58 23,423 435.44 31,230 544.28 39,038 653.14 46,845 71

72 117.68 8,192 235.36 16,384 353.02 24,575 470.70 32,767 588.38 40,959 706.04 49,151 72

73 127.62 8,596 255.24 17,191 382.86 25,787 510.46 34,382 638.08 42,978 765.70 51,573 73

74 138.64 9,022 277.28 18,043 415.92 27,065 554.54 36,086 693.18 45,108 831.82 54,129 74

75 150.94 9,457 301.88 18,914 452.80 28,371 603.74 37,828 754.66 47,285 905.60 56,742 75

76 164.78 9,904 329.54 19,807 494.32 29,711 659.08 39,614 823.86 49,518 988.62 59,421 76

77 180.34 10,382 360.66 20,763 541.00 31,145 721.32 41,526 901.64 51,908 1,081.96 62,289 77

78 197.78 10,902 395.56 21,805 593.34 32,707 791.12 43,609 988.90 54,511 1,186.68 65,414 78

79 217.36 11,486 434.72 22,972 652.08 34,458 869.44 45,944 1,086.78 57,430 1,304.14 68,916 79

80 239.30 12,173 478.58 24,347 717.88 36,520 957.16 48,693 1,196.44 60,866 1,435.74 73,040 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

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