Allstate - You're in good hands

"Many Americans are not in a financial situation to meet the expense of permanent life insurance but realize they have a duty to protect one's family from life's unexpected turns," says Kevin Slawin, president, Distribution, Allstate Life Insurance Company. "We created TrueTerm with the middle market in mind, and we feel confident that it is a cost-conscious solution that will help safeguard customers' futures."

With improved rates, TrueTerm provides middle market consumers reasonably priced life insurance protection. For example, a 35-year-old male can purchase a 10-year TrueTerm policy with a $250,000 face amount at best rate available for approximately $13 per month¹.

TrueTerm also introduces the new Return of Premium rider. For an additional premium, customers can purchase the Return of Premium rider and if the policy is still in force at the end of the guaranteed level premium period (15, 20 or 30 years), the total of their premiums paid will be returned to them in one lump sum².

"A win-win for consumers, TrueTerm with Return of Premium will provide life insurance protection if you need it or your premiums back if you don't," adds Slawin.

TrueTerm benefits include:

• Optional riders, including a Return of Premium, customize policies to meet special needs²;
• Coverages starting at $50,000 with premiums guaranteed for 10-, 15-, 20- or 30-year terms; and
• Ability to convert term policy to permanent life insurance with same face amount.

Other optional riders offered with TrueTerm consist of: Accidental Death Benefit, Accelerated Death Benefit-Terminal Illness, Additional Insured, Child Protection and Waiver of Premium².

"As with all Lincoln Benefit Life Company policies, our TrueTerm premiums are based on an insured's actual age, as opposed to rounding up to their next birthday, as is the practice with many other insurance companies," explains Slawin. "This often allows our customers to obtain a lower price for life insurance."

TrueTerm is a term life insurance policy issued by Lincoln Benefit Life Company, Home Office: Lincoln, Neb., a wholly owned subsidiary of Allstate Life Insurance Company, Home Office: Northbrook, Ill. All guarantees are based on the claims-paying ability of Lincoln Benefit Life Company. TrueTerm and its optional riders are subject to state availability as they are not yet approved in all states; terms, limitations and additional costs may apply.

Lincoln Benefit Life Company's TrueTerm is offered through Allstate Agents and independent agents appointed to sell Lincoln Benefit Life Company products. For more information or to view the application online, please visit www.accessallstate.com.

For more than 65 years, Lincoln Benefit Life Company has been an innovator in bringing insurance and annuity products to policyholders nationwide. Lincoln Benefit Life was acquired in 1984 by Allstate Life Insurance Company specifically for its ability to develop competitively priced insurance and annuity products for distribution through independent agents. By the end of 2005, the company had $250 billion of life insurance in force. And its financial strength and ability to meet its obligations to policyholders are reflected in the high rankings it has received by independent statistical rating agencies. Lincoln Benefit Life prides itself on its ability to provide exceptional products and service to its customers.

Lincoln Benefit Life Company is a proud member of the Insurance Marketplace Standards Association - IMSA. Membership signifies commitment to honesty and fairness in the sales and service of individually sold life insurance and annuity products.

Now celebrating the 75th anniversary of the founding of Allstate Insurance Company, The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer. Widely known through the "You're In Good Hands With Allstate^®" slogan, Allstate helps individuals in approximately 17 million households protect what they have today and better prepare for tomorrow through approximately 14,100 exclusive agencies and financial professionals in the U.S. and Canada. Customers can access Allstate products and services such as auto insurance and homeowners insurance through Allstate agencies, or in select states at allstate.com and 1-800 Allstate^®. Encompass^SM and Deerbrook^® Insurance brand property and casualty products are sold exclusively through independent agents. The Allstate Financial Group provides life insurance, supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite customers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers.