Life with no hassles Basic Term

Alliance will automatically generate a quick quote for Allstate Basic Term℠ if the customer is age 18-45. Allstate Basic Term℠ is a straightforward, easy to understand term life insurance product with full coverage — and no hassle. This is our answer to consumer needs uncovered in our research.

Basic Term Gives Customers What They Want “I want a life insurance policy that is straightforward and easy to understand” “ Basic protection with three coverage options to choose from 1 “ “I want affordable protection for my family with fixed premiums that won’t increase over time” Affordable pricing with fixed premiums and lower rates for Allstate customers 2 BASIC TERM I don’t want high-pressure sales when buying life insurance; I want a convenient option to purchase over the phone.” Quick, no hassle sales process that takes under 15 minutes– without an office visit needed 3

Straightforward and easy to understand 1 Straightforward and easy to understand The customer chooses the level of coverage for the 15 year term. Coverage is available in three amounts: $50,000 $100,000 $150,000 The offering for the Basic Term is a choice of three coverage level options: $50,000, $100,000, and $150,000. The coverage is available until the consumer is 60 years old. 4 4

Affordable pricing and fixed rates 2 Affordable pricing and fixed rates Issue ages: 18-45 years old Four Underwriting Classes Basic Tobacco Basic Non Tobacco Allstate Tobacco Allstate Non Tobacco New Allstate Rate Classes What is the Allstate Underwriting Class? Lower guaranteed premium payments for Allstate Customers How are you eligible? If the customer owns their primary residence and have an Allstate Auto Insurance policy. Premiums stay the same for 15 years! This coverage is available in 4 underwritiing classes, two of which offer customers a lower premium if they own their primary residence and have an Allstate auto insurance policy. Basic Term is priced for simplified issue. The rates for Basic Term can be found in the Rate Card in your packet.

Convenient process with no hassles 3 Convenient process with no hassles Quick quoting and an easy application—Completing and submitting the application takes 15 minutes or less and can easily be done over the phone No hassle underwriting process—No medical exam is required. Policy issuance dependent upon health questions in the application. Quick approval process — The customer will receive an approval or declined decision within 48 hours of applying. Here are the key features of Basic Term, demonstrating this is a life policy with no hassles.

Basic Term Compensation 100% production credit 10% of first year target premium 10% on renewals Basic Term is NOT included in LPF Basic Term is included in Minimum Life Count Basic Term shared business commission will be split 50/50 between EAs and EFSs. This applies to first year and trail commissions.

Basic Info on Basic Term No money is taken at application —first bank draft will occur after underwriting decision has been made. AOL requires you to input customer’s routing number and account number. Initial payments are made by EFT or Credit Card. Subsequent payments can be made by direct billing upon request. The policy is ALIC issued and serviced. Basic Term is eligible for conversion after year one through year ten.

New Basic Term Counteroffer Starting August 1, 2011, Basic Term will be the first Allstate product that allows a counter offer for certain customers who did not qualify for the standard basic term coverage. This unique enhancement is: Designed to help your agency close more Basic Term business An opportunity to provide valuable coverage to customers who otherwise may not qualify A hassle-free process for you and your customers: Automated process driven by the underwriting team No additional applications or medical exams are required of the customer

Sales Support – Marketing Resources The kits you received today contain samples of new marketing materials for Basic Term Marketing materials can also be found on the Life With No Hassles Microsite and ordered on MOD: https://www.accessallstate.com/lifeonline So now that we’ve sorted through the nuts and bolts of how to complete a sale and how your customers will receive information, what can we access to help us start conversations about Basic Term? Great news!! We have contemporary marketing material that is free and easy for you to access thanks to our virtual help desk.You can get to it by typing https://www.accessallstate.com/lifeonline into your browser or call our wholesaling team at 800-856-0934, and we’ll email you the link so that you can save it to your favorites. 10

Disclosures Allstate Basic TermSM is a term life policy (LU10987 series in most states) issued by Allstate Life Insurance Company, Home Office, Northbrook, IL. Available riders include the Accelerated Death for Terminal Illness (LU10990 series). See rider for terms, conditions and restrictions. Subject to state availability.

Appendix–Comparing Basic Term vs. True Term Benefit Amount Choose any amount $200,000 or higher for ages 18-45; $50,000 or higher for ages 46 and up 3 options: $50K, $100K, $150K Policy Duration Choose from 4 options: 10, 15, 20 or 30 years Only 1 option (15 years) Riders/Options Wide range of optional riders and features None Underwriting Classes 4 Nonsmoker, 2 Smoker & Substandard 2 Nonsmoker, 2 Smoker Issue Ages 18-80 18-45 Convertible Yes, to LBL permanent Yes, to ALIC permanent In person visit required Yes No Underwriting Full medical underwriting; decision in 14 – 60 days Simple Issue, no exam; decision in 48 hours Monthly Premium* $15 Preferred Elite; $26 Standard (for $100K benefit) $24 (same as True Term Std Select) Automated Quoting in Alliance Not available today Counter-offer for Declined cases See Slide 9 about Basic Term counter-offer process You should know how Basic Term compares to True Term. This chart explains the differences between the two products. *Need age, face amount, and gender being used for premium calculation Will file product with flexibility to offer alternative coverage periods and issue ages in the future.