Page 36 - 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 $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 $45.88 $6,004 $91.78 $12,007 $137.66 $18,011 $183.56 $24,014 $229.44 $30,018 $275.34 $36,021 51

52 48.68 5,655 97.38 11,311 146.06 16,966 194.74 22,621 243.42 28,276 292.12 33,932 52

53 51.66 5,284 103.30 10,569 154.96 15,853 206.62 21,137 258.26 26,421 309.92 31,706 53

54 54.88 4,890 109.76 9,779 164.62 14,669 219.50 19,558 274.38 24,448 329.24 29,337 54

55 58.12 4,469 116.24 8,938 174.34 13,406 232.46 17,875 290.58 22,344 348.70 26,813 55

56 59.14 4,607 118.28 9,214 177.40 13,821 236.54 18,428 295.68 23,035 354.82 27,642 56

57 62.92 4,744 125.84 9,488 188.74 14,232 251.66 18,976 314.58 23,720 377.50 28,464 57

58 66.96 4,882 133.94 9,764 200.90 14,645 267.86 19,527 334.82 24,409 401.78 29,291 58

59 70.78 5,021 141.56 10,042 212.34 15,063 283.12 20,084 353.90 25,105 424.68 30,126 59

60 74.42 5,163 148.82 10,326 223.22 15,489 297.62 20,652 372.02 25,815 446.44 30,978 60

61 78.68 5,307 157.36 10,614 236.02 15,920 314.70 21,227 393.38 26,534 472.06 31,841 61

62 83.88 5,455 167.74 10,910 251.60 16,365 335.46 21,820 419.34 27,275 503.20 32,730 62

63 89.04 5,610 178.08 11,220 267.12 16,830 356.16 22,440 445.20 28,050 534.24 33,660 63

64 94.50 5,788 189.00 11,577 283.50 17,365 378.00 23,153 472.50 28,941 567.02 34,730 64

65 98.98 6,013 197.94 12,027 296.92 18,040 395.90 24,053 494.86 30,066 593.84 36,080 65

w/EOI w/EOI

66 103.48 6,252 206.98 12,504 310.44 18,756 413.92 25,008 517.42 31,260 620.90 37,512 66

67 110.78 6,508 221.56 13,015 332.34 19,523 443.12 26,030 553.90 32,538 664.68 39,045 67

68 119.44 6,782 238.90 13,564 358.34 20,345 477.78 27,127 597.22 33,909 716.66 40,691 68

69 127.98 7,078 255.94 14,156 383.92 21,233 511.90 28,311 639.86 35,389 767.84 42,467 69

70 136.66 7,393 273.32 14,785 409.96 22,178 546.62 29,570 683.28 36,963 819.94 44,355 70

71 133.18 7,719 266.36 15,438 399.52 23,157 532.70 30,876 665.88 38,595 799.04 46,314 71

72 143.26 8,053 286.52 16,105 429.78 24,158 573.04 32,210 716.30 40,263 859.56 48,315 72

73 154.34 8,388 308.68 16,775 463.02 25,163 617.36 33,550 771.70 41,938 926.02 50,325 73

74 166.70 8,724 333.38 17,448 500.06 26,171 666.74 34,895 833.42 43,619 1,000.10 52,343 74

75 180.50 9,079 361.00 18,158 541.48 27,236 721.96 36,315 902.46 45,394 1,082.96 54,473 75

76 195.94 9,446 391.90 18,892 587.84 28,337 783.78 37,783 979.72 47,229 1,175.66 56,675 76

77 213.18 9,820 426.36 19,640 639.52 29,459 852.70 39,279 1,065.88 49,099 1,279.04 58,919 77

78 232.32 10,228 464.64 20,457 696.96 30,685 929.28 40,913 1,161.60 51,141 1,393.92 61,370 78

79 253.56 10,697 507.12 21,393 760.68 32,090 1,014.24 42,786 1,267.80 53,483 1,521.36 64,179 79

80 277.08 11,277 554.16 22,554 831.24 33,830 1,108.32 45,107 1,385.40 56,384 1,662.46 67,661 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-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