Page 35 - 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 $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

19 $9.74 $10,993 $19.48 $21,986 $29.20 $32,979 $38.94 $43,972 $48.68 $54,965 $58.42 $65,958 19

20 9.80 10,932 19.60 21,864 29.38 32,795 39.18 43,727 48.98 54,659 58.78 65,591 20

21 10.24 10,867 20.48 21,735 30.72 32,602 40.96 43,469 51.20 54,336 61.44 65,204 21

22 10.70 10,800 21.40 21,599 32.08 32,399 42.78 43,198 53.46 53,998 64.16 64,797 22

23 11.18 10,728 22.34 21,456 33.52 32,183 44.68 42,911 55.84 53,639 67.00 64,367 23

24 11.70 10,653 23.38 21,306 35.06 31,958 46.72 42,611 58.42 53,264 70.10 63,917 24

25 12.26 10,574 24.52 21,148 36.78 31,721 49.04 42,295 61.30 52,869 73.54 63,443 25

26 12.80 10,491 25.62 20,981 38.42 31,472 51.22 41,962 64.02 52,453 76.82 62,943 26

27 13.38 10,403 26.76 20,805 40.14 31,208 53.52 41,610 66.90 52,013 80.28 62,415 27

28 13.98 10,309 27.96 20,619 41.92 30,928 55.90 41,237 69.88 51,546 83.86 61,856 28

29 14.56 10,211 29.10 20,422 43.66 30,632 58.20 40,843 72.76 51,054 87.30 61,265 29

30 15.08 10,107 30.16 20,213 45.22 30,320 60.30 40,426 75.38 50,533 90.46 60,639 30

31 15.82 9,997 31.62 19,993 47.44 29,990 63.26 39,986 79.06 49,983 94.88 59,979 31

32 16.60 9,881 33.18 19,761 49.78 29,642 66.36 39,522 82.96 49,403 99.54 59,283 32

33 17.46 9,758 34.90 19,516 52.34 29,273 69.80 39,031 87.24 48,789 104.68 58,547 33

34 18.38 9,629 36.74 19,259 55.10 28,888 73.48 38,517 91.84 48,146 110.20 57,776 34

35 19.22 9,495 38.46 18,990 57.68 28,484 76.90 37,979 96.12 47,474 115.36 56,969 35

36 20.14 9,353 40.30 18,707 60.44 28,060 80.58 37,413 100.72 46,766 120.86 56,120 36

37 21.28 9,205 42.54 18,411 63.80 27,616 85.06 36,821 106.32 46,026 127.58 55,232 37

38 22.46 9,051 44.92 18,101 67.36 27,152 89.82 36,202 112.28 45,253 134.74 54,303 38

39 23.66 8,888 47.32 17,776 70.98 26,664 94.62 35,552 118.28 44,440 141.94 53,328 39

40 24.78 8,717 49.54 17,434 74.32 26,151 99.08 34,868 123.84 43,585 148.60 52,302 40

41 26.24 8,537 52.46 17,074 78.70 25,610 104.92 34,147 131.16 42,684 157.40 51,221 41

42 27.78 8,346 55.54 16,693 83.30 25,039 111.06 33,385 138.82 41,731 166.60 50,078 42

43 29.38 8,144 58.76 16,289 88.14 24,433 117.52 32,577 146.92 40,721 176.28 48,866 43

44 31.10 7,930 62.18 15,860 93.26 23,790 124.36 31,720 155.44 39,650 186.52 47,580 44

45 32.74 7,702 65.44 15,404 98.18 23,105 130.90 30,807 163.62 38,509 196.34 46,211 45

46 34.54 7,459 69.06 14,919 103.60 22,378 138.12 29,837 172.66 37,296 207.18 44,756 46

47 36.56 7,202 73.10 14,404 109.66 21,606 146.20 28,808 182.74 36,010 219.30 43,212 47

48 38.72 6,929 77.44 13,858 116.14 20,787 154.84 27,716 193.54 34,645 232.26 41,574 48

49 40.90 6,639 81.78 13,279 122.68 19,918 163.56 26,557 204.46 33,196 245.34 39,836 49

50 43.24 6,331 86.48 12,663 129.70 18,994 172.94 25,325 216.16 31,656 259.40 37,988 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-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 Death Benefit require evidence of insurability (EOI). Ratecard generated May 21, 2020 - 12:23 PM by IWL rate generator version: 2.43769.
ABJ20743-55556