LIFE INSURANCE QUOTE

NAME OF PERSON REQUESTING QUOTE

Name: _______________________________________________________________
Home Phone #: _________________________ Work #: ____________________
Address: _______________________________
City: ___________________ State: Zip: __________
E-mail address: ____________________________________________

TELL US ABOUT THE PERSON YOU WANT A QUOTE ON LIFE INSURANCE FOR:

Name: ________________________________________________________________
Date of Birth: __________________________________________________________
Amount of Life Insurance you want us to quote: ____________________________
Height _________________ Weight __________________

TELL US ABOUT THE TYPE OF INSURANCE YOU WANT US TO QUOTE:

� Term Life Insurance - with premiums guaranteed for the following periods:
� 10 years
� 15 years
� 20 years
� 25 years
� 30 years

� Universal Life Insurance: $ __________________

� Whole Life Insurance: $ __________________

James E. Moran
Sr Account Representative
Atlanta Metro Agency

~
Allstate Insurance Company

264 19th Street NW

Suite 2235

Allstate.
You 're in good hands.
Atlanta, GA 30363

Phone 404-853- 3697

Fax 4 04-8 53-3699
SGAM 3M 29(iua llstate.com
JamesMoran@Allstate.com
Hablamos Espanol

Atlanta Metro Agency

 life insurance
Protect what matters most

FIN39-6
 “My family means the world
TO ME.”

FIN39-6
 Life insurance is essential to
protecting what matters most.
You work hard to protect and provide your family with essentials like food,
shelter and clothing. But have you ever considered how your loved ones would
be provided for if you were not around? Life insurance helps to provide you with
peace of mind knowing that they will be cared for today and in the future.
Your Allstate financial professional can help you understand life insurance and
why it is important, and recommend a solution to help you protect what matters
most – your family.

Who needs life insurance?

Simply stated, almost everyone needs life insurance.
If you’re a parent or a spouse If you’re a grandparent
If you’re newly married If you have aging parents who
If you’re a business owner rely on your financial support

Even if you’re single and have no dependents, life insurance benefits could be
used by your beneficiaries to help pay for burial expenses or other financial
responsibilities.

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 Provide for your family today.
Life insurance helps to provide your loved ones financial security after you’re
gone. You pay a premium, and if the unexpected happens, your beneficiaries can
receive a death benefit — generally income tax-free1 — which they can use for
things such as:

Medical bills College tuition

Funeral expenses Living expenses
Monthly housing costs Unexpected financial emergencies
In addition, the money is received directly from the insurance company, so it
typically doesn’t have to go through probate. Some policies also accumulate a
cash value that can be used, if needed, to help pay for emergencies or help fund
retirement2.
After you purchase life insurance, you can feel confident knowing your family will
be more secure if they ever have to make it on their own.

Prepare for tomorrow.

There’s more to consider than just today when buying life insurance. Many
changes will occur throughout our lives, some planned and some unexpected.
Changes like getting married, buying a home, welcoming a new member into the
family, changing jobs, or sending a child to college. It’s important to adjust your
coverage to accommodate those changes.

To help ensure you have the right amount of coverage, you should
plan to meet at least once a year with an Allstate financial
professional to review your policy and your overall financial portfolio.

1
The death benefit of life insurance policies that were transferred for value may be subject to ordinary income taxes.
Estate taxes may apply (even if the policy is not transferred). Consult your tax advisor for additional information.
2
Available through loans and/or withdrawals which, if not repaid, will reduce the contract’s death benefit and cash value.
Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawal
exceeds your investment in the contract, which is also called the “basis.” In some situations, partial withdrawals during
the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally
not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values
are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. If a policy is a modified
endowment contract, loans are treated as a taxable distribution to the extent of policy gain. Loans, withdrawals and
surrenders are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject to
an additional 10% federal tax penalty if made prior to age 59 1⁄2. Consult your tax advisor for additional information.

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 Allstate offers products to fit
your life.
The type of life insurance you choose depends on your particular needs, your
budget, and your long-term financial goals. There are two basic types of life
insurance — Term and Permanent. Each offers a variety of features and benefits
as described below. Your Allstate financial professional can help you determine
which type of insurance may be right for you, and answer any questions you
may have.

term

Term insurance is the lowest cost life insurance available. Ask your Allstate financial professional
about term life insurance if:

You don't have much extra money to spend on insurance premiums. Term insurance is less
expensive than a permanent policy.
You're a new parent. You can buy protection for your kids until they become financially
independent.

You're looking to supplement an existing life insurance policy. Term offers affordable
incremental coverage for the length of time you choose.

permanent

A permanent life insurance policy is designed to provide protection for your lifetime as long as
required premium payments are made. These premiums are typically higher than term because
you are also accumulating cash value in your policy in addition to the death benefit. Ask your
Allstate financial professional about permanent life insurance if:

You're looking for protection that offers cash value and tax advantages. The death benefit is
income tax-free and the cash value grows tax-deferred.
You need help paying for financial emergencies, college costs or retirement. A permanent
policy allows you to take out loans or withdrawals.2
You like having more control. With some permanent policies, you can choose how to invest
your premium payments.

A variety of life insurance products are available that may meet

your particular needs. Talk to your Allstate financial professional to
learn more.

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 “I’m looking for GUIDANCE
from a financial professional
I CAN TRUST.”
FIN39-6 6
 Life insurance Q&A
You probably have questions. Your Allstate financial professional can answer your life insurance
questions and help you select a product that fits you and your family’s needs. Below are some of
the frequently asked questions to help you get started.

Q I have a life insurance policy through

work. Isn’t that enough?
however your premium will depend on
your age and health, type of policy and
how much coverage you want.
A Most employers offer a life insurance
plan. But check it carefully. Many of
Different life insurance products have
different fees and/or charges.
these plans offer only a minimum
amount of coverage — much less than
what your loved ones may need if they Q What if I get married, buy a home, or
have a child? Should I change my
have to make ends meet without you.
coverage?
Also, if you change jobs, you may not
be able to take your life insurance
with you.
A You should meet with your Allstate
financial professional at least annually
to review your policies and financial

Q How much life insurance do I need? goals. He or she can help you
determine if you should adjust your
Make sure you have enough insurance
A so your loved ones are not saddled
coverage to accommodate life’s
changes, whether expected or
with debt or forced to sell assets to
unexpected. You may also wish to ask
pay outstanding bills or taxes. There
about converting your term policy to a
are no hard and fast rules for
permanent policy.3
determining how much life insurance
is enough. It depends on your unique
circumstances and objectives. Q Why should I buy life insurance
rather than leaving my family cash
However, an Allstate financial
or investments?
professional is trained to help you
assess your needs and choose a
coverage that works for you.
A One reason is that a life insurance
death benefit, if properly structured,
avoids the delays of probate. Your

Q How much does it cost? beneficiaries can receive the funds

directly from the life insurance

A In comparison to how much your

survivors can receive, not that much;
company, which can help your family
get back on their feet more easily.

Make an appointment to visit your Allstate financial professional for

help with your life insurance questions and needs.
3
Not all term policies qualify for conversion to permanent policies. Your Allstate financial professional can help you
determine if your term policy qualifies.

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 Why choose Allstate for my life
insurance protection?
The Allstate family of life insurance companies has been helping to ensure the financial security of our
customers for more than 50 years. We remain committed to helping people protect their families and
assets today while planning for tomorrow. Even in tough economic times, you can continue to trust the
Good HandsSM of Allstate.

Financial Strength
Allstate remains financially strong and committed to providing you with the quality service you
expect and deserve. That financial strength, coupled with our consistent ability to meet obligations
to our policyholders, has earned us high ratings from independent analysts. Just as important, we
pride ourselves on the strength of our products and services, and in providing exceptional value to
our customers.

Your Neighborhood Team

Whether you currently own life insurance, or are looking to purchase your first policy, our network
of agents and financial professionals can help you make sound decisions for yourself and your
family – not just for today, but for down the road as well.

Call an Allstate financial professional today to schedule a

complimentary Life Insurance Coverage Checkup.

Is your financial security in Good Hands ? SM

This material is intended for general educational purposes only. Life insurance and annuities issued by Allstate Life Insurance Company: Northbrook, IL
and Lincoln Benefit Life Company: Lincoln, NE. In New York, 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 68506. 877-525-5727. Property and casualty insurance products issued by Allstate Fire and Casualty
Insurance Company, Allstate Indemnity Company, Allstate Insurance Company, Allstate Property and Casualty Insurance Company: Northbrook, IL.
FIN39-6 ©2009 Allstate Insurance Company. allstate.com 10/09
 Allstate Insurance
1536 Monroe Drive NE
Atlanta, GA
Phone: 404-799-9191

Maurice Huseby
9400 Roberts Drive
Atlanta, GA 30350

I have completed a review of your insurance coverage and want to make you aware of a potential gap in your
protection. Your homeowner’s policy provides only the coverage described pertaining to property and liability losses.
There is no coverage to help pay off the mortgage in the event of the death or disability of the insured, under
your homeowners policy.

I recommend that you address the following potential needs:

Disability Protection A disability insurance policy that provides funds in the event the insured becomes
disabled that can be used to help pay the mortgage and/or meet other needs.

Mortgage Payoff A life insurance policy that provides funds in the event
of the death of the insured that can be used toward helping to pay off the mortgage
or meeting other needs.
_____________________________________________________________________________________________

I have read and understand the above available additional insurance options and I would like more information on the
following:

____ Disability Protection via disability insurance

____ Mortgage Payoff via life insurance

Please give my office a call at the number above or if you prefer, simply complete and return this form and someone
from my agency will contact you.

Thank you!

Your Name: __________________________________ E-Mail: ________________________

Home Phone # __________________ Work Phone #: __________________

Mortgage Balance: ________________

Sincerely,

Maurice Huseby
Exclusive Agent
(TM)/(Market)