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Group Voluntary Disability Income (Florida)

                                       Product Illustration



           Industry Class: Preferred                Accident Elimination Period:   7 days
           Benefit Period: 3 Months                 Sick Elimination Period:       7 days
           Portability:   No                        Premium Mode:               Bi-Weekly


           Additional Riders: None

              Monthly                                Issue Ages
               Benefit       18-49        50-59        60-64         65-69         70+
              $400.00       $3.74        $4.45         $5.39         $5.90           $6.21
              $500.00       $4.67        $5.56         $6.74         $7.37           $7.77
              $600.00       $5.60        $6.67         $8.09         $8.85           $9.32
              $700.00       $6.54        $7.78         $9.44         $10.32         $10.87
              $800.00       $7.47        $8.89         $10.79        $11.80         $12.43
              $900.00       $8.41        $10.01        $12.13        $13.27         $13.98

              $1,000.00     $9.34        $11.12        $13.48        $14.75         $15.54
              $1,100.00     $10.28       $12.23        $14.83        $16.22         $17.09
              $1,200.00     $11.21       $13.34        $16.18        $17.70         $18.64
              $1,300.00     $12.14       $14.46        $17.52        $19.17         $20.20
              $1,400.00     $13.08       $15.57        $18.87        $20.64         $21.75
              $1,500.00     $14.01       $16.68        $20.22        $22.12         $23.30
              $1,600.00     $14.95       $17.79        $21.57        $23.59         $24.85
              $1,700.00     $15.88       $18.90        $22.92        $25.07         $26.41
              $1,800.00     $16.81       $20.01        $24.26        $26.54         $27.96
              $1,900.00     $17.75       $21.12        $25.62        $28.02         $29.52
              $2,000.00     $18.68       $22.24        $26.96        $29.49         $31.07
              $2,100.00     $19.62       $23.35        $28.31        $30.96         $32.62
              $2,200.00     $20.55       $24.46        $29.66        $32.44         $34.18
              $2,300.00     $21.49       $25.57        $31.01        $33.91         $35.73
              $2,400.00     $22.42       $26.69        $32.35        $35.39         $37.28
              $2,500.00     $23.35       $27.80        $33.70        $36.86         $38.84


           This rate illustration is incomplete and cannot be used without the accompanying proposal illustration pages that
           provide a complete description of all benefits, limitations and exclusions.
           This illustration does not validate income rules for any States. The Maximum Monthly Benefit that can be applied
           for must be reduced by theMonthly Benefits of all other existing coverage. This illustration and rates expire:
           6/11/2020.
           This information highlights some features of the policy but is not the insurance contract. For complete details,
           contact your Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary
           Policy underwritten by American Heritage  Life Insurance Company (Home Office, Jacksonville, FL). Details of
           the insurance, including exclusions, restrictions and other provisions are included in the policy and/or certificates
           issued.
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