1. Good Life Protecting Your Agency Name
[Title slide displayed as attendees enter the room and get settled.
Use these speakers’ notes as a guideline for your presentation. You are encouraged to use life stories and other experience to embellish, keeping in mind that this presentation has been reviewed for industry compliance. Evaluate your audience’s level of comfort to determine if you need to walk through each slide point-by-point.]
Protecting Your
Good Life
Agency Name
Presenter’s Name
Agency Phone number
Contact
Agency Street Address
City, State, Zip Code
ALR2727 (10.16)

2. WELCOME [Greet the audience and thank them for attending]
“Thank you for attending our seminar today. We’re here to share some important information on how life insurance can do much more than most people think to provide flexibility and peace of mind in your life.
Our industry studies show that life insurance is one of the lowest priorities of most Americans. Until it suddenly becomes the highest.
It makes sense…who wants to think about death, right? But maybe you’ve recently had a family situation that brought about some urgency in this area. Maybe you’ve had a health scare. Maybe you’ve just had a new baby, or you’re a new grandparent scouting information for your kids. Maybe you’ve just bought a new house, or inherited money. Or maybe it’s been on your mind for a long time and you’ve finally decided to learn more and do something about it.
Any other situations out there I didn’t mention? (Ask audience for feedback). Anyone else with this situation?
Well, the reason we feel you should be here is to gain power over your family’s financial future.

3. How much power do you have over your family’s financial future?
Knowledge is Power
How much power do you have over your family’s financial future?
“The more you know about the different ways to protect yourself and your family - the less intimidating making a plan becomes.
Over the next minutes we’ll increase your knowledge and give you more power over this journey we call life ...”

4. Key Questions
How much life insurance coverage do I need? How about my spouse and my kids?
Do I need temporary or permanent insurance? How much of each?
How much insurance is too much?
Can I get one policy that changes with my needs during different times in my life?
How does life insurance fit into an overall financial scenario?
‘If you don’t know the answers to these critical questions, you’re not alone. Just look around you. That’s probably why you are all here.
How much life insurance coverage do you need? Well, that depends on what you’re protecting: Your income, assuring your kids’ college education, debts, and a host of other things. A lot of people are surprised at the many ways life insurance can provide flexibility and peace of mind in their lives. It’s called life insurance for a reason: because it’s for the living.’

5. Here’s to Life… …and why it matters
“The stages of our lives. Young to Mature - Just starting out to enjoying retirement - These are the events in our lives.”
‘When we are first starting out, we focus on getting the basics down ... getting an educational foundation ... finding a job ... learning how to budget our money and making ends meet ... and building a life that is uniquely suited to us.’

6. Here’s to Life… …and how it builds around you
‘As we progress through our early adulthood, other events begin to take priority, like buying our first home, starting a family and building a fulfilling career. These are the foundations of our life.”

7. Here’s to Life… …and how big it can get
‘As our lives evolve, they usually become more complex. We own more things, we improve our standard of living, and we’re worth more. Sounds great, right? But then we start to think about protecting what we’ve built. What’s the best way to do that? And how are we going to start saving for emergencies, our kids’ college, our retirement ... it starts to get complicated and a little scary!”

8. Here’s to Life… …and the unexpected
‘It’s not always smooth sailing ...
Divorce, unemployment, serious health issues, disability ...
... but it’s often wonderful too!
Marriage, birth of a child, job promotion, purchase of a house, inheritance ... but even these events can be stressful if you’r not prepared and protected.’

9. Here’s to Life… …and how we can help
‘The key to handling it all is having a plan ...
Guidance from licensed experts can help and it’s included in an Allstate relationship ... even if you have only one auto insurance policy with us, you can get help planning your financial future -- above and beyond life insurance -- at no charge.
From Life Insurance to Annuities to Mutual Funds to Long Term Care, Allstate has the experience to support your unique needs. Let’s see what making a plan to protect you and yours looks like, and where life insurance fits in...’

10. Reviewing the Basics Life Insurance is a contract in which:
The insurer promises to pay a sum of money
Upon the death of the insured person
In exchange for a premium
“In order to get the full picture, we should first breeze through the basics. On the surface, life insurance seems simple, right?”
“Life insurance is a contract between you and the insurance company, which promises to pay your designated beneficiary a sum of money if you die. All this, in exchange for a premium you pay regularly to keep the policy in force. Pretty basic and easy to understand, right? But today, insurance companies have come up with lots of different kinds of insurance to fit specific types of life stages and situations.”
“So why is life insurance so important?”

11. What’s In It For You? Protection for your beneficiaries
Peace of mind for you ;)
Stress relief
“The obvious reason is that it provides protection for your beneficiaries, your loved ones who survive you…protection against financial hardships that would occur if you are not alive.
But what do you get out of it? Well, the biggest fallacy of life insurance is that you have to die in order to use it. That’s simply not true. First and foremost, you get something that in many other ways money can’t buy. That’s peace of mind knowing that if for some reason you’re not here to pay the mortgage, help the kids through school, help your grandkids afford college…that you can still help them live well and grow.
But in addition to that, there are a number of ways you can use life insurance to help make life less stressful for you and your family today and also to achieve your life goals.

12. A Solid Financial Plan
Life insurance is the foundation of a solid financial plan
There are four components to a financial plan; budgeting and saving, protecting what you have, investing for the future, and planning for retirement

13. A Solid Financial Plan Protect Your Foundation Health Insurance
Auto Insurance
Homeowners/Property insurance
Disability Income Insurance
Life Insurance
Emergency Fund
Will/Trust
[Review bullets and relate them to the specific audience demographics and interests in the room]

14. A Solid Financial Plan Accumulate and Grow Investments
Savings
Checking Accounts
Savings Accounts
Money Markets
Investments
IRAs
Stocks & Bonds
Employee Retirement Plans
Annuities
College Planning
Mutual Funds
[Review bullets and relate them to the specific audience demographics and interests in the room]

15. A Solid Financial Plan Preserve Other Insurance
Umbrella Liability Insurance
Long Term Care Insurance
[Review bullets and relate them to the specific audience demographics and interests in the room]

16. A Solid Financial Plan Make it Last Estate Planning Retirement Income
Gifting
[Review bullets and relate them to the specific audience demographics and interests in the room]

17. Key Questions How much life insurance should you own?
How long will the life insurance be needed?
What is your budget for the coverage?
What type of coverage is right?
“When buying life insurance, there are some important questions to answer.”
“First, we need to determine how much life insurance you should own. There is really no single right answer to this question. Everyone’s situation is different and it’s hard to make generalizations. A good rule of thumb can range anywhere from 5 to 10 times your annual gross salary. Using this method, someone who earns $50,000 dollars per year should buy between $250,000 and $500,000 dollars of life insurance. But this only provides a ballpark figure, which could be inappropriate for your specific needs. We have additional tools that take into consideration other factors such as your savings, debt, and children’s college education.”
“Second, we need to look at how long the life insurance coverage is needed. Some life insurance is only required for temporary needs such as covering a 30 year mortgage. In other situations, coverage is needed to last for the rest of your life. Again, it’s based on your specific situation and your needs.”
“Third, how much are you able to pay for the coverage. Everyone’s budget is different and some products cost more than others. It’s my job to make sure you are adequately covered for what you can afford.”
“And finally, what type of life insurance coverage is right for you?”

18. Basic Types of Life Insurance
Term (like renting)
Premiums are affordable and guaranteed to stay the same for set period of time
Coverage for a limited period of time
No cash value: Coverage may continue past the set term (on some policies) but premiums will increase, often significantly.
Permanent (like buying)
Premiums can be flexible depending on the product and can change over time and under certain circumstances
Coverage for a lifetime when required payments are made
Builds cash value *
“Term policies are temporary and provide life insurance coverage for a specific period of time.”
[Cover bullets as needed]
“Permanent policies are typically designed to last a lifetime and offer the potential to accumulate a cash value which can be withdrawn or borrowed against if needed.”
* Loans or partial withdrawals can reduce the policy's cash value and death benefit, increase the possibility of policy lapse and may result in a tax liability. Consult a tax advisor for more information on the tax treatment of loans or withdrawals from a life insurance policy.

19. What They Can Do for You Term (like renting) Permanent (like buying)
Protect your income
Protect your mortgage
Death benefit proceeds pass to beneficiaries tax free
Protects your insurability
Protected from creditors
Permanent (like buying)
Provide financial flexibility*
Provide a loan
Flexibility in premium payments
Death benefit proceeds generally pass to beneficiaries tax free*
Customizable protection to accommodate other needs
“Term and permanent insurance offer different benefits. What’s right for you depends on your unique needs. Life insurance can be very customizable based on your personal situation. That’s why it’s important to know what’s available and how it all works. When you do, you’ll be sure you’re insuring all the important things in your life and not over-insuring anything. That’s where I can help you with a good fit to help you feel confident you’ve done all the right things. ”
[Presenter should read each point and explain what it means]
“Term insurance is what people think of as “regular” life insurance. You pay a premium for a defined term of coverage:
Protect your income: If you die, your family will receive cash or a cash flow that replaces your income
Protect your mortgage: Likewise, there would be money to pay off your mortgage
Death benefit proceeds pass…: There are no income taxes on death benefits, so your family receives the entire cash benefit
Protects your insurability: Once you are accepted, even if your health declines you are still covered
Protected from creditors: If you or your family is sued or file for bankruptcy, life insurance benefits are ‘off limits’ to creditors”
“On the Permanent side, you pay premiums for your lifetime and are covered until you die. The benefits are a little different than Term insurance:
Provide financial flexibility
Provide a loan: Your policy builds cash value you can often borrow against
Flexibility in premium payments to fit fluctuations in your budget
Death benefit proceeds pass…: Like Term insurance, there are no income taxes on death benefits, so your family receives the entire cash benefit
Customizable to accommodate other needs: Many different kinds of permanent policies are offered that can provide different levels of protection for different stages of your life and the unique protection needed”
Except for “transfer for value”, possible corporate Alternative Minimum Tax (AMT) and
certain employer owned life insurance

20. Customized Insurance
“For example, let’s take a look at Joe and Emily’s life ... They’re in their early forties and have two children ages 11 and 9…”

21. Customized Insurance
“…and they want to protect the cost of the kids education with $225,000. Emily wants to pursue a nursing degree that will cost $125,000. They need to protect their remaining mortgage of $250,000 and create a plan that could replace Joe’s annual income, if something were to happen.”

22. Life Insurance is for the Living…
“As I said before, life insurance is really for the living. Some types of Life Insurance can be purchased to cover specific needs. Life insurance benefits can be used to make sure your family isn’t faced with immediately having to deal with difficult financial decisions during a time of trouble or grief.”
[Review bullets and relate them to the specific audience demographics and interests in the room]
Having a conversation about your specific needs and providing you with an illustration and a quote for the kinds of options that may be right for you doesn’t take much time at all.

23. What You Can Do Now Keep family records organized and up to date
Communicate your wishes in writing
Store important records and essential information either with your lawyer or in a lockbox
Review your intent and information with your heirs to help decrease the possibility of your final wishes being misunderstood
“So how do you get started? To help avoid confusion and stress for your family during an emotional time here are some helpful hints to get organized ...
Keep family records organized and up to date [reference Facts of Your Life booklet for first two bullets]
Communicate your wishes in writing
Store important records and essential information either with your lawyer or in a lockbox in your home
Review your intent and information with your heirs to help decrease the possibility of your final wishes being misunderstood”
[Review bullets per your specific audience demographics and interests]

24. Delivering the Promise
We’ll be there as your advocate
Personal commitment
Help beneficiaries file claims
Assure a smooth and speedy process
Deliver the check personally
Compassionate approach
“We’ve been talking a lot about buying life insurance and what it can do for you. But at the end of the day, the death benefit is what gives you the most peace of mind. It’s that feeling of knowing your beneficiaries, your loved ones, will be taken care of. And while the financial aspect is certainly of utmost importance, receiving the claim check may involve unnecessary stress or delays if the claims process doesn’t go smoothly. This can happen for any number of reasons. Many times people are so upset they don’t have the capacity they normally have. Or they’re not familiar with Allstate and if they have questions, they don’t know who to contact.”
“That’s why I’ll make a personal commitment to you here and now that either I or someone at my agency will personally and proactively help your beneficiaries through this process to assure a smooth and speedy claims process. We’ll reach out to them and introduce ourselves as your representative, help them fill out the claim forms, and assure a quick result with compassionate resolve. And whenever feasible, we’ll even hand deliver the proceeds check. It’s because we don’t just sell life insurance, we stand by the promise it represents.”

25. Tools and Resources Allstate Facts of Your Life Guide
Life Insurance Needs Worksheet
LifeTrek tool on allstate.com
Your personal lawyer or tax advisor
Your Allstate agent or Allstate Financial Representative
“To help you prepare for making decisions about life insurance, we have some excellent resources to share.”
[This is when you can hand out the Facts of Your Life brochure]

26. Next Steps
Discuss your situation with your spouse, significant other, and/or family.
Determine appropriate heirs, appointees, executors, and guardians
Contact your attorney to set up an initial appointment
Complete and execute applicable documents
Contact a financial professional to discuss protection strategy and additional steps.
“And next steps? You’ve taken the first step by attending this seminar. These are some things you need to think about and some actions to take. And remember guidance from Allstate is included in your relationship. I’m here to help you make the best decisions possible about protecting your good life.” [Review bullets with the audience]

27. Get Started! Included in your Allstate relationship:
Valuable resources
Expert knowledge
Help with a plan
Unique insurance solutions
Confidence and peace of mind for your good life
“As we said before, your Allstate relationship with our agency gives you valuable resources, expert knowledge, help with a plan - and unique insurance solutions to fit your life today and down the road, as well as confidence and the peace of mind that goes with it.”

28. Speaking of Confidence…
Now you have the
power of knowledge ...
and protection
Thank you!
[Pass out the seminar assessment]
“I’d appreciate it if you’d help us by taking a brief survey about this seminar. I’ll pass it out right now. It’s just seven quick questions about your opinions about the seminar and how we can improve it in the future.”
“Thank you for attending. It has been my pleasure to spend time with you. If you’d like to schedule some time to sit down and discuss your unique situation please let me or one of my agency staff know. We are here to help!”

29. Disclosures
This material is intended for general educational purposes only.
Please note that Allstate Life Insurance Company or its agents and representatives cannot give tax or legal advice. The brief discussion of taxes in this presentation may not be complete or current. The laws and regulations are complex and subject to change. For complete details, consult your attorney or tax adviser.
Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA).  Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE (877)   Check the background of this firm on FINRA's BrokerCheck website at
Life insurance offered through Allstate Life Ins. Co. & Allstate Assurance Co., Sanders Rd, Northbrook IL 60062; Lincoln Benefit Life Co., 1221 N St. Ste 200, Lincoln NE 68508; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL   In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge NY.
© 2016 Allstate Insurance Company
ALR2727 (10/16)