Page 20 - Weinberg & Schwartz 2024
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                                                                                                    AMERICAN  NACIREM
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                                                                                                HERITAGE LIFE  EFIL EGATIRE
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             h
        Whole Life Insurance
        P v   d i        b   h s a c   a   s e  e n  y   o t   y l t c e r i d   t i f e  o  b   r u  e n    y r a i c i f e
          r Pro
          ovides a cash benefit directly to your beneficiary


          H
        T I   N     A   K  B O U  T   T  H    S I
        THINK ABOUT THIS

                 R                                    4 % o a m   w   s e i l i  o  e c a f   d l u     O r  h    h   . S . U   f o   f l a  o  e s u  h  y l e r   s d l o

                                                           f
                 Reasons for purchasing life  efil gnisahcrup rof snosae
                                                       2
                                                            f
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                                                      42% of families would face
                                                                                           Ov
                                                                                            ver half of U.S. households rely
                 coverage include: replace
                 c e  a r  g  u l c n i   e  d e r l  e c a  f a  h   l a i c n  x i s   n i h t i w   p i h s d r a     o d u  o c n i   l a  m  s e  ( 4 % ),  a dn  r o f   ,
                                p
                                                       n
                               e
                   v
                  o

                                                                                                        5
                                                       i financial hardship within six
                                                                                           n on dual incomes (54%),  and, for
                                                                                                             †† 2
                                                                     o
                                                                 5
                 i income, final expenses, wealth  htlaew ,sesnepxe lanif ,emocn     m n  a   , s h t  n d 2 % w u  r e f f u s   d l     m y  n i s o l   ,  o   g  n  o c n i   e  m  o c   e  b   d l u  e
                                                        o
                                                                                             n
                                                                                            a
                                                      months, and 25% would suffer
                                                                                           many, losing one income could be
                 t transfer and mortgage payoff. ffoyap egagtrom dna refsnar  1 †   f a    a   n i h t i w   y l l a i c n  m o  h t n  †  1  d a  n i t a t s  h   o t   g  o  e s u  h  n i f   d l o  a    s e c n
                                                       n
                                                                                            v
                                                       i financially within a month.
                                                                                            e devastating to household finances.
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        With an unexpected death — you don’t want to leave behind financial obligations. Whole Life Insurance from Allstate Benefits  eh nac stifeneB etatsllA morf ecnarusnI efiL elohW .snoitagilbo laicnanif dniheb evael ot tnaw t'nod uoy — htaed detcepxenu na hti
         o
        y u  a f   r  m  h t   e z i l a e r   y l i  g   e  a   s l a o  n  a e r d   d  m  o y   s  h s   u  e r a  o t   d  h t e g  a   , r e  n  b   d  u l a v   h s a c   s d l i u  o y   e  a c   u  a r d   n  o   w  w   n    . e v i l a   l l i t s   e l i h
        can help your family realize the goals and dreams you shared together, and builds cash value you can draw on while still alive.
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        • e Select the coverage that’s right for    W h  a l p    n  n i n  h t   , g  d   e  b   h t a e  e n  a c   t i f e  n   • e Fully-guaranteed death benefit  d   d  h t a e
           •
                                             With planning, the death benefit can
                                                                                                   p   s
                                                                                                m
                                                                                             m
                                                                                            e r p (   t i f e
                                                                                                      a y a
                                                                                               u i
                                                                                    e (pr
         y u a    n  o y   d  a f   r u  m    * * y l i  p s  o y   o t    b   r u  e n  o r f   e e r f   s e i r a i c i f e  m   b nemiums payable to age 95)  9   e g a   o t   e l b    ) 5
                                               s
          o you and your family*
                                              a pass to your beneficiaries free from
                                               a
                                              t state or federal taxes. Consult with
                                                                                                           u s - p
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        • h Then if you pass away, your      s t    e f   r o   e  d  C   . s e x a t   e t a t s e   l a r e  o  t l u s n     •   If you live to age 121, a lump-sum
                                               t
                                               i your tax advisor for specifics.
                                                                                    maturity benefit is paid
                                                                                      t
                                                                                     a
         d i g n  e t a  b   d  e n  i a l c   a   s e l i f   y r a i c i f e  m       w h  o y    a   x a t   r u  p s   r o f   r o s i v d      . s c i f i c e  m u  b   y t i r  e n  p   s i   t i f e    d i a
            s
           e beneficiary files a claim
                                                                                     •
                                                                                                          b   y a
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                                                                                                       ) n
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                                                                                     o

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        • h           u l   a   e v i e c e r   y e  m  u s - p  m  h s a c       • p Spouse and children covered through    d
        • A lump sum cash benefit is direct
                                                                                    a separate certificate or rider**
           e
         b n       h c   a i v   t i f e  d   t c e r i d   r o   k c e  e p  o t   t i s o       Practical benefits    • f  d r o f  a  e r p   e l b  m u i  m      s
          deposited or a check is mailed and

                                                                                   A
           e
         b u  e s  h   d  o w  h t   r e v e      h s i w   y e  for everyday living.®  • Affordable premiums

          can be used however they wish
        † Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation.  2021 Insurance Barometer Report,
                                                                                            1
        LIMRA.  U.S. Bureau of Labor Statistics, Consumer Expenditure Survey, ibid. *You may be required to answer health questions at enrollment. Coverage may be available with
             2
        * l l  B   e t a t s    e h t   s i   s t i f e n e  m  n i t e k r a  a n   g  m  A   y b   d e s u   e  m  H   n a c i r e  C   e c n a r u s n I   e f i L   e g a t i r e  o m  u s   a   , y n a p  T   f o   y r a i d i s b  C   e t a t s l l A   e h  p r o  o i t a r o  . n   2
         A
        reduced underwriting through your employer during your initial enrollment period. If you enroll after your initial enrollment period, answers to health questions are required.  ,tropeR retemoraB ecnarusnI 120
                                                                                              †
        **Coverage for spouse and child(ren) may be limited to a percentage of the employee’s face amount in some states. htlaeh rewsna ot deriuqer eb yam uoY*
         I
        L M R  . A   U  .S.  B  b a L   f o   u a e r u  C   , s c i t s i t a t S   r o  o  u s n  m  n e p x E   r e  S   e r u t i d  . d i b i   , y e v r u   *  q    o i t s e u  i t   t a   s n  m  p a   f o   e  o i t a c i l p    . n
             ††
                                                                                       CA License No: _________________________
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