Life Happens - AccessAllstate

S E P T E M B E R 2 0 1 2INTRODUCTIONNEW LIAMCUSTOMER TOOLSEXISTING LIAMTOOLSLIFE INSURANCECOVERAGE CHECKUPLIFE INSURANCE TAG& CO-OP ADSTo make sure Americans are reminded of the need to include life insurance in their financialplans, the nonprofit Life and Health Insurance Foundations for Education (LIFE) coordinatesLife Insurance Awareness Month (LIAM). Each September, LIFE is joined in this consumereducational initiative by more than 100 of the nation’s leading insurance companies andindustry groups, including Allstate.Leverage the Partnership and Media Power of LIFESeptember 1st kicks off Life Insurance Awareness Month (LIAM) with a national life insurance awareness campaign. For 2012, LIFE will have a newrealLIFEstories insert in the September issue of O magazine. LIFE will also sponsor a Facebook contest titled "Life Happens Moments." The contestwill ask people to share their best life moments based on a new theme each of the four weeks of September. For more detailed information onrealLIFEstories and the contest, click here and choose 'Life Insurance Awareness Month eKit' then click on '2012 Campaign Theme: Life Happens.As a strategic partner with Allstate, the LIFE Foundation offers you a powerful media platform to increase awareness and credibility with your customers.LIFE has coordinated a variety of marketing efforts leading up to and through LIAM to get Americans thinking about their need for life insurance.Buddy Valastro: 2012 LIAM National SpokespersonMaster baker and reality TV star shares his personal story of struggle and hard work afterhis father and breadwinner of the family died, leaving behind no life insurance for support.Valastro's story is now available at www.lifehappens.org/cakebossLIAM Company ToolkitLIAM Company Toolkit gives an overview of all the support materials that theLIFE Foundation offers to help spread awareness throughout LIAM.For Broker-Dealer or Agent Use Only— not for use with or distribution to the public.©2012 Allstate Insurance Company allstate.com 08/12FIN2180-1Buddy Valastro: 2012 LIAM National Spokesperson2

S E P T E M B E R 2 0 1 2INTRODUCTIONNEW LIAMCUSTOMER TOOLSEXISTING LIAMTOOLSLIFE INSURANCECOVERAGE CHECKUPLIFE INSURANCE TAG& CO-OP ADSToo often it’s easy to forget why we do what we do. That it’s about helpingpeople, changing lives. These tools are a way to remind customers of theimportant role life insurance plays in their lives.LIAM Customer ToolsCOMING SOON – NEW Allstate Co-branded realLIFEstories:To order, visit MOD through Agency GatewayOvercoming the Unthinkable: Moses Family (FIN2465)When Jeff Moses died in a plane crash, Amanda lost her husband and Ken Howell lost hisbusiness partner. The accident also took the lives of most of the company’s sales force andput the state of their business in jeopardy. Due to diligent planning with business insurance,however, Ken was able to buyout Jeff’s share of stock to save the company and Amanda wasable to financially support her kids.Insurance Keeps a Business in the Family: Folks Family (FIN2464)Ernest “Peanut” owned a body repair shop he planned to pass along to his son someday. Thanksto the persistence of insurance agent Jon Shoemaker, business insurance also became a part ofhis plan. When Peanut found out he had cancer and not much time to live, he was able to invokea provision on his policy that allowed him to pay off debts and turn the shop over to hisson. Jon says, “It allowed him to go out with dignity.”ComingSoonOvercoming the Unthinkable:Moses FamilyComingSoonInsurance Keeps a Businessin the Family: Folks FamilyLife Happens FlyersThese downloadable flyers, available on the LIAM Company Toolkit, are a fun and humorous wayto remind people that life can be unpredictable. They are intended to make Americans thinkabout the need to plan for life's uncertainties by protecting themselves with life insurance.Life Insurance Needs Worksheet (FIN1486-1)Help customers determine how much life insurance they need to be properly protected.For Broker-Dealer or Agent Use Only— not for use with or distribution to the public.©2012 Allstate Insurance Company allstate.com 08/12FIN2180-1Life Happens FlyersContinue for more on:New LIAM Customer ToolsLife Insurance NeedsWorksheet (FIN1486)3

©2012 Allstate Insurance Company. allstate.com 02/12FIN1378-1S E P T E M B E R 2 0 1 2INTRODUCTIONNEW LIAMCUSTOMER TOOLSEXISTING LIAMTOOLSLIFE INSURANCECOVERAGE CHECKUPLIFE INSURANCE TAG& CO-OP ADSA Good Samaritan's Lasting Legacy (FIN1761-1)Preston Newby was struck by a car and killed when he pulled over to helpsomeone out with car trouble. Thankfully the couple made the decisionyears earlier to buy life insurance, leaving Tara behind with the financesto take care of her two children.Mission of Love: Lewis Family (FIN1378-1)David Lewis' main priority was his family, and he knew in order tokeep them protected he needed to have life insurance. During one ofhis mission trips to Ecuador, Lewis suffered a heart attack. Due to hisplanning, wife Sarah and their children are able to maintain theirlifestyle. "The greatest gift you can give your family is to think aheadand be prepared," says Sarah.Because She Loved Us (FIN2162)Similar to Because He Loved Me (FIN1740/FIN1705), this story describesa mother’s love for her family through small displays of affection while shewas alive. Now, after her death due to cancer, her love is still felt throughthe financial security her family is able to maintain in her absence.The Greatest Gift: Bix Family (FIN2181)This story explains how life insurance coverage maintained the Bix familylifestyle after Jim’s death due to illness. Brittany Bix, now 21, was so movedby the far-reaching power that life insurance had on her family, that she ispursuing a college degree in Insurance and has become a licensed agentwith the Allstate Life Insurance Company.Learn how planning ahead helped one family avoidfinancial hardship and keep future goals on trackSarah Lewis and children(from left) Meghan,Matthew and MichaelPlus: Information tohelp you figure out howmuch and what kind oflife insurance to buyA Good Samaritan's LastingLegacy (FIN1761-1)Mission of Love: LewisFamily (FIN1378-1)Because She Loved Us(FIN2162)The Greatest Gift: Bix Family(FIN2181)“ Life insurance was the greatest gift my dad could give us,” says Brittany. “It has allowed us to live life the same way as when he was here with us.”Quote From— The Greatest Gift: Bix FamilyFor Broker-Dealer or Agent Use Only— not for use with or distribution to the public.©2012 Allstate Insurance Company allstate.com 08/12FIN2180-1 5

S E P T E M B E R 2 0 1 2INTRODUCTIONNEW LIAMCUSTOMER TOOLSEXISTING LIAMTOOLSLIFE INSURANCECOVERAGE CHECKUPLIFE INSURANCE TAG& CO-OP ADSPerforming customer annual reviews are a great way to engagecustomers, understand their concerns and cross-sell financialproducts to auto and homeowner customers. Best of all, it mayhelp you increase sales.Life Insurance Coverage CheckupUpdated Life Insurance Coverage Checkup Kit (FIN1555-1)Successful EAs and EFSs who have incorporated a consistent annual review processinto their business say that they generate up to half of their sales through annualcustomer reviews. Top EAs and EFSs understand that if you make regular contactwith existing customers a priority, your sales results will improve.A revised Life Insurance Coverage Checkup Program Guide (FIN1555-1) is nowavailable. Its new digital format allows for instant access to all the resourcematerials, customer pieces, and sales tools.Life Insurance Coverage Checkup updates includes:• Affect of Inflation interactive PDF• Production Credit Estimator• Life Checkup Invitation Postcard• Protecting Your Life Essentials Life Waiver FormTo learn more about these tools and others, download your copy of theLife Insurance Coverage Checkup Program Guide. For questions regardingLife Insurance Coverage Checkup , please contact your Allstate FinancialWholesaling Team at (800)856-0934.Life Insurance Coverage Checkup Program Guide(FIN1555-1)Annual Review Alerts onAccessallstate.comMaintaining your ongoing annual review process will helpcustomers anticipate and keep their annual review appointments.The new Annual Review Alert feature in Access Allstate helpsmanage ongoing reviews by showing you which customers aredue for an annual review based on their birthday and policyanniversary date.For Broker-Dealer or Agent Use Only— not for use with or distribution to the public.©2012 Allstate Insurance Company allstate.com 08/12FIN2180-1 6

S E P T E M B E R 2 0 1 2INTRODUCTIONNEW LIAMCUSTOMER TOOLSEXISTING LIAMTOOLSLIFE INSURANCECOVERAGE CHECKUPLIFE INSURANCE TAG& CO-OP ADSEighty-three percent of consumers believe most people need life insurance, and 65percent believe they need it personally. 1 Raise awareness and let consumers knowthat you are able to protect them with life insurance products from Allstate. Startthe conversation with a letter or email to people you know could benefit from lifeinsurance, like new mothers or a young couple starting a new life together.Reach out to Potential Customers with Resources from TaG &Co-op AdsAllstate’s Co-op Advertising Program provides advertising support to help youestablish a local market presence. What’s more, Allstate pays 50% of the totalcost of your approved co-op advertising media expenses. Available materialsinclude print, internet, and radio. Allstate's TaG (Target and Grow) platform allowsyou to access resources to help promote Life products to new and existing customers.Available materials for your unlimited use include letters, postcards, and emails.To view and order co-op ads, go to Gateway and select Build an AdLife Insurance Co-op Ads: (print and online)• Highlights how new, busy mothers have need for a life insurance review.TaG emailTaG PrintCo-op PrintTo view and order TaG resources, go to Gateway and select Target and Grow (TaG)1Bridging the Life Insurance Knowledge Gap, LIMRA, 2012 (p. 2)Guarantees are based on the claims-paying ability of the issuing insurance company.The Allstate Corporation, as parent, is not responsible for the debts and obligations of Allstate Life Insurance Company and Lincoln Benefit Life Company.Allstate Life Insurance Company is not responsible, as parent, for the obligations of Lincoln Benefit Life Company, American Heritage Life Insurance Company or Allstate LifeInsurance Company of New York.Life insurance issued by Allstate Life Insurance Company: Northbrook IL, Lincoln Benefit Life Company: Lincoln, NE, and American Heritage Life Insurance Company:Jacksonville, FL. In New York, life insurance issued by Allstate Life Insurance Company of New York: Hauppauge, NY.If you have any questions concerning any processes, products, orders, or updates; your Allstate Financial Internal Wholesaler is available at (800)856-0934.For Broker-Dealer or Agent Use Only— not for use with or distribution to the public.©2012 Allstate Insurance Company allstate.com 08/12FIN2180-1