Page 25 - SMOTW College Flipbook

YOUR BENEFICIARY Benefits
DECIDES how to Base Policy Benefit Issue Ages
use the cash benefits
Term Life Insurance pays a lump-sum cash benefit 18 to 65

Our cash benefits provide greater when you die before age 70.
coverage options because you or
your beneficiary get to determine Optional Riders‡ Insured Issue Ages
how to use them.
Accidental Death Benefit
Pays a benefit for accidental death if the loss is due to 18 to 55
Finances an accidental injury.
The Accelerated Death
Benefit Rider can help Accelerated Death Benefit for Terminal Illness
protect your HSAs, savings, Pays a death benefit advance if you are diagnosed as 18 to 65
retirement plans and 401ks terminally ill.
from being depleted
Total Disability Premium Waiver
Waives the monthly premium if you suffer a total disability. 18 to 55
Travel
Your coverage will provide Spouse Decreasing Benefit Term
cash benefits to your Pays a death benefit if the insured spouse dies before 18 to 60
beneficiary to help with age 70. (insured spouse’s age)
travel related funeral
expenses Children’s Term 18 to 65
Pays a death benefit when a covered child dies. (your age)

Home ‡The riders listed above have exclusions and limitations, may vary by state and may not be
Your beneficiary can use the available in all states.
cash benefits to help pay the
mortgage, continue rental
payments, or perform
needed home repairs Access Your Benefits and Claim Filings
Accessing your benefit information using MyBenefits has never been easier.
Expenses MyBenefits is an easy-to-use website that offers you 24/7 access to important information
The lump-sum cash benefit about your benefits. Plus, you can submit and check your claims (including claim history),
can be used to help pay your request your cash benefit to be direct deposited, make changes to personal information,
family’s living expenses such
as bills, electricity and gas and more.

For use in: All states and territories except CA, GU, MD, NM, NY, and PA
This material is valid as long as information remains current, but in no event later than March 15, 2020.
Benefits are provided by Term Life insurance policy form P20RCT, or state variations thereof. Rider benefits
provided by the following forms or state variations thereof: Accidental Death Benefit TADB1 or ADB; Accelerated
Allstate Benefits is the marketing name Death Benefit for Terminal Illness TLBR1 or LBR; Total Disability Premium Waiver TPW1 or PW; Spouse Decreasing
used by American Heritage Life Insurance Benefit Term TSTR2 or STR; and Children’s Term TCTR3 or CTR2.
Company, a subsidiary of The Allstate
Corporation. ©2017 Allstate Insurance This information highlights some features of the policy but is not the insurance contract. Only the actual policy
Company. www.allstate.com or provisions control. For complete details, contact your Allstate Benefits Agent. Underwritten by American Heritage Life
allstatebenefits.com Insurance Company (Home Office, Jacksonville, FL).