1. Our Comprehensive Approach to Protecting Your Business A one stop-shop for all your business coverage needs
[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.]
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2. Common Worries of Business Owners
Worry about cash flow and taxes
Are confident in their own abilities to thrive, but they lack confidence in the economy and the government to support them
Worry about workload and people problems
Worry about health insurance and the related legislation and tax laws
Want to provide their employees with quality benefits, but need to balance costs
Worry about the succession of the business
According to a study conducted by the Sage Group, business owners tend to share common worries about their business, their personal lives, and their business’s longevity.
(Read worries or allow time for business owners to read through worries)
How many of you, as business owners, feel that you share one or more of these sentiments?
(Engage the audience with a series of questions. Examples to follow)
How many of you plan to retire?
Would you like to ensure that your business in compliant with health care regulations?
Have you thought about your business’s success plan and also the protection of your employees during that time?

3. From the lunchroom to the boardroom
We like to think of this as protecting your business from the Lunchroom to the Boardroom… from the common meeting place at every business, the lunchroom, to the location where the powerful meet; the boardroom.
While comprehensively protecting you from the Lunchroom to the Boardroom, we are able to take care of the employees, the business and the needs of you as the business owner and your key employees.

4. Allstate’s Approach to Business Protection
Your Business
Commercial Automobile
Customizer (BOP)
Business Package Policy (BPP)
Commercial Property
General Liability Umbrella
Professional Liability*
Worker’s Compensation*
Exclusive Agent
Employer
Your Employees
Employer/Employee Savings through Section 125
Employee Life Insurance
Maintain Standard of Living
Mortgage Protection/ Family Coverage
Disability Income Protection
Health Products
Critical Illness
Accident
Cancer
FOR YOU (THE BUSINESS OWNER):
FINANCIAL PRODUCTS AND PLANNING … FROM ALLSTATE LIFE and RETIREMENT
Business Succession Planning
Estate Planning
Retirement Planning
Executive DI
Long Term Care
FOR YOUR BUSINESS:
PROPERTY & CASUALTY INSURANCE … FROM ALLSTATE BUSINESS INSURANCE
Physical Assets:
Commercial Automobile
Commercial Property
Business Liability:
General Liability Umbrella
Business Package Policy
Professional Liability
Worker’s Compensation
FOR YOUR EMPLOYEES: VOLUNTARY SUPPLEMENTAL BENEFITS … FROM ALLSTATE BENEFITS
Employer/Employee Savings – Section 125
Employee Life Insurance
Disability Income Protection
Health Products – Critical illness, accident and cancer insurance
An Allstate Agency is your “one stop-shop” to deal with the multiple protection needs of your business.
You
Business Succession Planning
Retirement Planning
401(k)
Executive DI
Long Term Care

5. The Business Owner Protecting You and Your Family
How do I protect my business and it’s assets if I were to die or become disabled?
How do I secure the future success (and vision) of my business?
How do I effectively plan for retirement?
(Read through the questions and engage the audience)
If something were to happen to you, have you given thought to what would happen to your business profits and operations? Have you thought about how you will provide for your family in the immediate time frame also into the future, when you may retire? Do you want the opportunity to make sure that your business plan and vision are fulfilled when you are no longer there?
Most importantly we can help YOU, the Business owner.
When you are worried about whether your business can survive and thrive.
Establishing a business succession plan that seeks to maintain your legacy and the value of the business into the future.
Ensure retirement in come for yourself, your family, and your key employees with stable retirement plans.

6. The Business Owner Protecting You and Your Family
Estate Planning
Retirement Planning
Business Succession
Long Term Care
FOR YOU (THE BUSINESS OWNER), Allstate’s planning strategies help you to devise a customized approach to meet all of your needs. This could mean:
Estate Planning – Estate planning is about control. Control over who gets your assets, when they get it and in what form.
Retirement Planning - Saving enough for retirement allows you to ensure that you can live the lifestyle you want.
Business Succession Planning – You may have drafted a will as a part of your estate plan, but have you created an estate plan for your business? Creating a business succession plan will allow you to decide who runs your business after you no longer want to.
Long Term Care – Long Term Care can help ensure that you remain as independent as possible if you require long term care. 6

7. The Business Owner Protecting the Value of Your Business
How do I guarantee that I have the appropriate coverage for my unique business?
How do I protect my business from a law suit or an accident?
What would happen to your business’s profitability if you lost physical assets due to an accident? Are you protected from being sued if something were to happen on your property? Do you have options to provide your employee compensation if they are injured on the job?
Secondly, we help your business:
Insure your property and the things inside it against damage or loss
Protect the business assets and your employees against any accidents or unforeseeable events
Create a strategy to manage the various liabilities of your business.

8. The Business Owner Protecting the Value of Your Business
Physical Assets:
Commercial Automobile
Commercial Property
Business Liability:
General Liability Umbrella
Business Package Policy
Professional Liability
Worker’s Compensation
FOR YOUR BUSINESS: Allstate Business Insurance offers property and casualty insurance strategies to help maintain the profitability and survival of your business.
We can help protect the Physical Assets of the business through comprehensive insurance products:
Commercial Automobile
Commercial Property
In addition to the standardized protection, its important to think about the possible losses you could incur that are out of your immediate control. We can help make sure you have the proper Business Liability coverage so you can focus on the day to day operations.
General Liability Umbrella – additional liability coverage beyond the basic to protect the most valuable assets of your business
Business Package Policy – ensures that the contents inside your business are protected from loss
Professional Liability – to help protect you from any potential law suits that arise from your work
Worker’s Compensation – provide extra protection for your employees in the chance they are injured on the job 8

9. The Employees Protecting Your Most Valuable Asset
How do I attract and retain the right employees for the business?
How do I provide quality benefits for my employees while balancing costs?
How do I minimize the impact of health care reform while still protecting my employees?
Health Care Background/Comments:
In 2010, President Obama signed into law the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act. Together these two bills are referred to as the “Affordable Care Act” or health care reform.
The health care reform seeks:
- To increase access to preventative care
- To increase access to wellness care
- To create transparency for customers
- To eliminate waste and fraud within the healthcare system
As business owners, the changes being made to health care will have a great impact upon your business taxes and your employees.
70% of employers expect reform to lead to higher health care costs¹ largely due to factors such as expanded coverage for dependent children, new mandated benefits, the employer mandate and the enrollment of more than 30 million uninsured.
According to a Bain survey, employers won’t be surprised to see their health care cost increase as much as 60% over the next 4-5 years. ²
Family premiums expected to increase 46%
$20,300 for large groups compared to $13,900 in 2008 ³
¹ - “Health Care Reform; How Companies Need to Worry,” Forbes.com, November 29, 2010.
² - “Bain & Company, 2010.
³ - ”Estimated Premium Impacts of Annual Fees Assed on Health Insurance Plans,” Oliver Wyman, October 31, 2011
How many of you are aware of the changes? How many of you are concerned with how it will impact your business? Are you prepared to offer health care to your employees, and if not, are you aware of the costs on non-compliance?
Allstate Benefits Solutions help your employees
Offer strategies to prepare for the health care reform changes that will affect your business
Allow your employees to enroll in voluntary benefits. This can be done at no cost to you
Attract and retain exceptional employees. Voluntary benefits provide employees security and the opportunity to protect themselves against emergencies. 9

10. The Employees Protecting Your Most Valuable Asset
Employer/Employee Savings
Employee Life Insurance
Disability Income Protection
Health Products – Critical illness, accident and cancer insurance
Retirement Plan
FOR YOUR EMPLOYEES: Increase Employee Retention by providing the opportunity to enroll in Voluntary Employee Benefits through Allstate Benefits:
Allstate Benefits provides a vast array of quality benefit products with a sincere competitive advantage.
- Partnering with the Allstate brand
Some of our top and most competitive products include:
Education Funding – through a company-sponsored savings plan
Protect your employees’ families through supplemental life insurance – for mortgage and family protection as well as help to maintain standard of living
Protect employee income by offering disability coverage
Supplemental Health Insurance: Critical Illness, accident and cancer insurance ( Dental, Vision, Hospital Indemnity, Limited Medical Benefit)
Worker’s compensation
Assist your employees with retirement planning – with a company-sponsored retirement plan

11. What if… Allstate Could Protect You From The Lunchroom to the Boardroom?
The Good Hands® solution can provide a three-pronged approach to meet all of your business needs
Needs of the Business
Needs of the Owner
Needs of the Employees
Allstate
Financial Services
Voluntary Benefits
Business Insurance
Property & Casualty
We’ve talked about a few not-so pleasant “what-ifs” today – what if we talked about some good news?
What if… Allstate Could Protect You and Your Business From The Lunchroom to the Boardroom?
Our Good Hands® Solution can provide a three-pronged approach to help meet the core areas of need:
For you - the owner
For the business
For your employees
We are your “one-stop” protection resource – from financial services, voluntary benefits, business insurance, to property & casualty. 11

12. Protect Your Business, and Your Future, with Allstate
Allstate provides the most comprehensive business planning resources in the industry:
We can help you ask the right questions
Provide tools to assess & prioritize needs
Offer a range of funding vehicles
Tailor a solution to manage the “what-if’s” in your business
Allstate provides the most comprehensive business planning resources in the industry:
We can help you ask the right questions
Provide tools to assess & prioritize needs
Offer a range of funding vehicles
Tailor a solution to manage the “what-if’s” in your business

13. Thank You for Coming! Next Steps Let’s Talk
Determine which area is your greatest need: business, personal or employees
Make an appointment to begin the assessment process
Put Allstate’s resources to work for your business… don’t wait any longer!
Let’s Talk
What are the next steps?
Determine which area is your greatest need: business, personal or employees
Make an appointment to begin the assessment process
Let’s Talk – Put Allstate’s resources to work for your business…don’t wait any longer!
Thank You for Coming!

14. Please note that Allstate and its licensed representatives cannot give legal or tax advice. Tax laws and regulations are complex and subject to change. Customers should consult an attorney or tax advisor for complete details.
Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a policy or investing money. These policies have limitations and are sold by prospectus only. The prospectus contains details on the variable universal life insurance policy, investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. To obtain a prospectus or a copy of the underlying portfolio prospectuses, please contact your Allstate Personal Financial Representative. Please read the prospectuses carefully before purchasing a policy or sending money. Guarantees are based on the claims-paying ability of the issuing company.
Life insurance offered through Allstate Life Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL.  In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY.
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)
Thank you for coming.
©2015 Allstate Insurance Company Sanders Road, Northbrook, IL. allstate.com
ALR2569 (10/15)