Page 43 - Weinberg & Schwartz Allstate Brochure Flipbook

UL21P Flexible Premium Adjustable Life Insurance [to age 85*]
Non-Tobacco

The appropriate illustration certification form must be completed in all states.

$25,000 $50,000 $75,000 $100,000 $150,000
Specified Amount Specified Amount Specified Amount Specified Amount Specified Amount
Guaranteed Guaranteed Guaranteed Guaranteed Guaranteed
Net Net Net Net Net
Issue Bi-weekly Surrender Bi-weekly Surrender Bi-weekly Surrender Bi-weekly Surrender Bi-weekly Surrender Issue
Age Premium Premium Premium Premium Premium Age
Value*** Value*** Value*** Value*** Value***
@ Age 65 @ Age 65 @ Age 65 @ Age 65 @ Age 65
18 N/A † $11.50 § $21,949 $16.80 § $33,165 $22.08 § $44,409 $32.66 § $66,863 18
19 N/A † 10.36 16,156 15.06 24,733 19.78 33,386 29.20 50,617 19
20 N/A † 10.66 16,013 15.52 24,549 20.40 33,159 30.12 50,231 20
21 N/A † 10.98 15,884 16.02 24,419 21.04 32,884 31.10 49,884 21
22 N/A † 11.36 15,897 16.56 24,328 21.78 32,826 32.20 49,755 22
23 N/A † 11.72 15,773 17.12 24,201 22.50 32,566 33.30 49,422 23
24 N/A † 12.10 15,658 17.68 23,990 23.28 32,382 34.46 49,107 24
25 N/A † 12.52 15,594 18.32 23,916 24.12 32,239 35.72 48,884 25
26 N/A † 12.94 15,468 18.96 23,748 24.96 31,973 37.00 48,532 26
27 N/A † 13.42 15,441 19.66 23,646 25.90 31,852 38.38 48,263 27
28 N/A † 13.88 15,295 20.34 23,398 26.82 31,550 39.76 47,805 28
29 N/A † 14.38 15,178 21.10 23,240 27.82 31,303 41.26 47,429 29
30 N/A † 14.92 15,070 21.90 23,052 28.90 31,077 42.88 47,085 30
31 N/A † 15.46 14,888 22.74 22,837 30.00 30,745 44.54 46,601 31
32 N/A † 16.06 14,756 23.64 22,631 31.20 30,467 46.34 46,179 32
33 N/A † 16.70 14,628 24.58 22,394 32.46 30,161 48.24 45,732 33
34 N/A † 17.38 14,496 25.60 22,192 33.82 29,888 50.26 45,280 34
35 N/A † 18.08 14,322 26.66 21,942 35.24 29,563 52.40 44,803 35
36 $10.46 $6,686 19.96 14,216 29.50 21,808 39.00 29,338 58.04 44,461 36
37 10.84 6,578 20.76 14,050 30.68 21,522 40.58 28,965 60.42 43,909 37
38 11.26 6,490 21.58 13,835 31.92 21,208 42.24 28,553 62.90 43,271 38
39 11.68 6,363 22.46 13,624 33.22 20,859 43.96 28,067 65.50 42,563 39
40 12.16 6,277 23.40 13,413 34.62 20,525 45.86 27,661 68.32 41,909 40
41 12.66 6,172 24.38 13,169 36.10 20,166 47.82 27,164 71.26 41,158 41
42 13.18 6,050 25.42 12,916 37.66 19,782 49.90 26,647 74.38 40,379 42
43 13.72 5,913 26.50 12,630 39.30 19,367 52.08 26,085 77.66 39,540 43
44 14.30 5,777 27.66 12,349 41.02 18,921 54.40 25,511 81.12 38,655 44
45 14.90 5,624 28.88 12,049 42.84 18,457 56.82 24,883 84.76 37,716 45
46 17.76 5,657 34.60 12,058 51.44 18,458 68.28 24,858 101.96 37,658 46
47 18.46 5,548 35.98 11,769 53.50 17,989 71.00 24,194 106.04 36,635 47
48 19.18 5,407 37.42 11,434 55.66 17,460 73.90 23,487 110.38 35,539 48
49 19.94 5,247 38.96 11,074 57.96 16,890 76.96 22,705 115.00 34,360 49
50 20.76 5,076 40.60 10,684 60.44 16,291 80.28 21,899 119.96 33,114 50
51 22.50 4,702 44.08 9,888 65.66 15,074 87.24 20,260 130.40 30,632 51
52 23.44 4,412 45.94 9,252 68.46 14,102 90.96 18,943 136.00 28,643 52
53 24.38 4,073 47.82 8,532 71.26 12,991 94.70 17,450 141.58 26,368 53
54 25.36 3,707 49.78 7,759 74.20 11,811 98.62 15,862 147.46 23,966 54
55 26.38 3,840 51.82 7,986 77.26 12,131 102.70 16,277 153.58 24,568 55
56 32.66 3,299 64.38 6,866 96.10 10,434 127.82 14,001 191.26 21,136 56
57 33.78 2,731 66.64 5,699 99.50 8,667 132.36 11,635 198.06 17,567 57
58 34.98 2,132 69.04 4,467 103.10 6,802 137.16 9,137 205.28 13,807 58
59 36.26 1,674 71.60 3,518 106.94 5,362 142.28 7,205 212.96 10,893 59
60 37.62 1,180 74.32 2,497 111.00 3,811 147.70 5,128 221.08 7,760 60
61 42.78 472 84.62 1,049 126.46 1,627 168.32 2,206 252.00 3,361 61
62 44.32 117 87.70 310 131.08 503 174.46 697 261.24 1,085 62
63 45.94 0 90.94 0 135.94 0 180.94 0 270.94 0 63
64 47.64 0 94.34 0 141.04 0 187.74 0 281.14 0 64
65 49.42 N/A 97.94 N/A 146.44 N/A 194.92 N/A 291.94 N/A 65
* [to age 85] means that the premium shown, if paid when due, will keep the policy in force to age 85 on the worst-case basis, assuming no policy changes, loans, or partial
surrenders are made. Other premium/face amount scenarios may provide you more or less death benefit per $1.00 of premium. Your agent can assist you with your decision
on the premium amount and death benefit amount most appropriate to meet your insurance needs. Premiums may need to be increased in order to maintain life insurance
coverage beyond age 85. If still in force, the life insurance policy will mature for the net surrender value on the policy anniversary on or next following the insured's 95th birthday.

† Premium is less than minimum premium allowed.
§ IRS Regulations will not allow the planned periodic premium amount shown to be paid to maturity. Projected premiums have been reduced as necessary to comply with these regulations.
*** The guaranteed net surrender values for the life insurance policy assume that premiums are paid weekly at the beginning of each week, that death benefit option 1 is
selected, and that no loans, partial surrenders, or changes in specified amount or death benefit option occur. Guaranteed values are based on the minimum interest rate of 4.00%
and maximum cost of insurance rates. Policy values are affected by actual interestt rates credited to the policy and cost of insurance rates charged.
The maximum specified amount for an employee or spouse varies by account. Amounts shown above are subject to the underwriting offer for the account.

It is possible that coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.
This rate card is for form UL21P, and is incomplete without corresponding brochures that describe the benefits, exclusions, and limitations of
the forms. The policy is underwritten by American Heritage Life Insurance Company. Allstate Benefits is the marketing name used by American Heritage Life Insurance
Company (Home Office: Jacksonville, FL), a subsidiary of The Allstate Corporation. © 2018 Allstate Insurance Company
This ratecard is approved for use in: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME
MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, VI, WA, WV, WI, WY
This rate card expires and is no longer valid after 12/31/2019 or the expiry date of the corresponding brochure(s), if earlier.

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