Introducing Allstate FutureVest VULSM

What it is:• Streamlined variable universal life product that provides growth potential, investment flexibility

and the security of a death benefit. In addition, flexibility with premium payments and benefits helps customers adapt to life’s changing needs.

• Replaces TotalAccumulator*

• Series 6 and Series 63 licenses required (in some states)

Key enhancements:• Simplified investment options

• Streamlined riders and coverage guarantees

• Consumer-friendly presentations and statements

• Chronic Illness Benefit consistent with Allstate’s other universal life products that offer this rider

Advantages:• Designed for custom portfolios

• Simplified optional, pre-built diversified investment offerings make FutureVest more understandable for customers

• Life insurance protection for a family’s financial future and tax deferred accumulation for life events

• Streamlined investment choices can align with long-term objectives and risk tolerance, while allowing for automatic portfolio rebalancing

• Offers full market participation – no caps/floors like index universal life products

• Flexible future premiums and death benefits can align with changing circumstances

• Possible significant tax advantaged opportunities for future loans or cash withdrawals for future life events1

Potential customers:

• Families and established households that want quality, personalized coverage that provides for an accumulation approach tailored to meet individual needs

• Individuals who have maximized retirement savings vehicles and need another source for retirement income

• Parents and grandparents who buy life insurance for juveniles for future insurability and potential income growth for the child’s future needs such as college

• Individuals, business owners and entrepreneurs who need life insurance and long term cash accumulation, and who are willing to accept the risk involved in full participation in financial markets

• Business owners looking to protect business assets through buy-sell agreements and key man insurance

* TotalAccumulator will continue to be available in New York until New York launches Allstate FutureVest VULSM

Learn more Watch the Allstate FutureVest VUL product webcast on the Life and Retirement Sales Education webpage. You can also earn a 10% incentive commission for your first FutureVest policy that is issued and credit-released by Dec. 31, 2017. Click here to learn more.

Consumer Point of Sale

Future Vest KitIncludes: Consumer brochure; FutureVest Fund Flyer; Risk Tolerance Brochure (ALR2) and the FutureVest ProspectusOrder On MOD

Allstate FutureVest VUL SM Investment Options by Asset Class1

CATEGORY

FOCUS

FUND NAME

Small/Mid Cap Stocks

Small Cap Growth • Alger Small Cap Growth2,3Small Cap Blend • Fidelity® VIP Disciplined Small CapMid Cap Growth• Alger Mid Cap Growth2,3• Invesco Mid Cap Growth2,3• Janus Henderson Enterprise2,3,8

• Fidelity® VIP Real Estate2,6Mid Cap Blend

• Invesco American Value3 • Janus Henderson Mid Cap Value2,3,10,21

• Fidelity®VIP Mid Cap2,3Mid Cap Value • Invesco Value Opportunities3,17

Global/International Foreign Large GrowthEmerging Markets• Invesco International Growth2,19

• Fidelity® VIP Overseas2• Fidelity® VIP Emerging Markets2

Large Cap Stocks

Large Cap Growth

• Alger Capital Appreciation• Janus Henderson Forty2,3,11• Janus Henderson Research2,8,21

• Fidelity® VIP Contrafund2,3 • Fidelity® VIP Growth2• Janus Henderson Global Technology2,6,8

• Janus Henderson Balanced2,4,7,8Large Cap Blend • Fidelity® VIP Index 500• Alger Balanced2,7

Large Cap Value• Fidelity® VIP Value• Fidelity® VIP Equity Income2,4,7

• Invesco Diversified Dividend18

Fixed Income High Yield Bond Intermediate Term BondMoney Market

• Invesco High Yield4,18• Fidelity® VIP Investment Grade Bond2,4,7,8

• Janus Henderson Flexible Bond2,4,7,8,20

• Fidelity® VIP Government Money Market5

• Income Account

Asset Allocation• Morningstar Aggressive Growth ETF2,3,4,7,8,12,13,14,15,16

• Morningstar Balanced ETF2,3,4,7,8,12,13,14,15,16

• Morningstar Conservative ETF2,3,4,7,8,12,13,14,15,16

• Morningstar Growth ETF2,3,4,7,8,12,13,14,15,16

• Morningstar Income and Growth ETF2,3,4,7,8,12,13,14,15,16

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Allstate FutureVest VULSM

Variable Universal Life InsuranceProtect. Grow.Prepare.

This brochure must be accompanied by a current Allstate FutureVest VUL prospectus, which contains more detail on the product and fund portfolios, including information on charges and expenses.

ALLSTATE FUTUREVEST VUL

Variable Universal Life Insurance

SM

All guarantees are based on the claims-paying ability of the issuing insurance company.

Variable universal life insurance policies carry annual insurance company mortality and expense risk charges, withdrawal charges in the early years, and administrative fees. Individual features may be offered at an additional cost. The value of a variable universal life insurance policy will fluctuate with the investment performance of the underlying subaccounts and may be worth more or less than the original investment.

Management fees and/or other expenses also apply on an ongoing basis for each subaccount portfolio available under the policy. Please see the prospectus for more details concerning any applicable fees and each subaccount portfolio’s expense.

Allstate FutureVest VULSM is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Road, Northbrook, IL 60062 and is available in most states with contract/series ICC16AC3/AC16-2 and may be accompanied with riders ICC14AC16/AC14-17; ICC14AC15/ AC14-15; ICC14AC23/ AC14-16; ICC14AC17/ AC14-18; ICC14AC18/ AC14-10; ICC14AC19/ AC14-8; and ICC14AC20/ AC14-9. Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.

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. These policies have limitations and are sold by prospectus only. The prospectus contains details on the 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 Allstate Assurance Company. Please read the prospectuses carefully before purchasing a contract.

Please note that neither Allstate nor its agents and representatives can give legal or tax advice. The brief discussion of taxes in this brochure may not be complete or current. The laws and regulations are complex and subject to change. Consult your attorney or tax adviser for complete details.

This information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate Assurance Company issues fixed and variable insurance products that are sold through agreements with affiliated or unaffiliated broker-dealers or agencies. Securities offered by Personal 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. Check the background of this firm on FINRA’s BrokerCheck website http://brokercheck.finra.org.

ALR5407 ©2017 Allstate Insurance Company. allstate.com 5/17 ALR5407KIT

We’re here for you.Your Allstate agency is always here for you when something goes wrong. We’re also here to help things go right — with innovative solutions and professional assistance to help you protect your family and achieve your lifelong dreams.

To learn more, call or visit your Allstate agency today.

What’s your story?With Allstate FutureVest VUL,SM you get security for your loved ones and the potential for financial growth through cash value investment — all in one policy. Contact your Allstate personal financial representative with questions or next steps to make FutureVest work for your life. ALR5281POD/

ALR5281PODSPPermanent Insurance Good Hands CardOrder On MOD/POD

Your home is your castle. Make sure it’s there for your family if something should happen to you.

LIFE INSURANCE

ALR2579RealLIFE storyOrder On MOD

Keeping a Farm in the FamilyAs a third-generation dairy farmer, Paul Krzewina’s

priority was keeping his 585-acre farm in the family. But

doing that meant modernizing, and Paul needed to take

out a mortgage to build new barns and buy additional

cows. He was concerned, though, that the mortgage

would be a burden to his wife, Michele, and their four

young children if something were to happen to him.

Donald Blahnik, LUTCF, their insurance professional,

shared that concern and helped Paul buy a term life

insurance policy, the only coverage he felt he could

afford at the time.

Years later, with his children nearing adulthood and

retirement within sight, Donald suggested that Paul

consider converting the term policy to a whole life policy.

Paul still needed to protect the next generation, and he

liked the idea of accumulating cash values to supplement

his retirement savings.

When Paul was diagnosed with a brain tumor three years

later, the life insurance proved invaluable. He was able

to use a loan against his policy’s cash values to pay his

health insurance deductible.* In addition, Paul didn’t

have to worry about keeping his policy in force because

of a provision that waived his premiums in the event of a

disability.

Paul died a couple years after his diagnosis, but his

dreams for his family are very much alive today. His

eldest son, Chad, 28, now runs the farm, and used part of

the death benefit to add new barns. He plans to expand

the operation to 500 cows, from the current 200. “We

couldn’t have done any of these things without the

insurance money,” Michele says.

Permanent life insurance provides a death benefit and the ability to accumulate cash on a tax-deferred basis. You can access the cash values through withdrawals or policy loans, and it can be used in a number ways including college savings, supplementing your retirement income or cash for unanticipated expenses. Learn if this type of insurance might be right for you at www.lifehappens.org/selector.

This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures. Life Happens does not endorse any insurance company, product or advisor. © Life Happens 2015. All rights reserved.

Michele Krzewina (center) with her children

Watch Michele’s story at www.lifehappens.org/krzewina$

allstate.com©2015 Allstate Insurance CompanyALR2579 (5.17)

* Loans or partial withdrawals can reduce the policy’s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy.

Guarantees are based on the claims-paying ability of the issuing insurance company. Results vary and may not be typical.

Life insurance offered through Allstate Life Ins. Co. & Allstate Assurance Co., 3075 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 32224. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge NY.

Universal Life Made Simple Video. Available on Gateway-ALR Video Center

Consumer Direct Marketing Resources

Universal Made Simple video eMailALR711TAG

Cross-sell PostcardAvailable on TAG

It’s never too late toplan for a good life.

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Producer Point of Sale

ALR1312-6CW Product BookOrder On MOD

ALR2164-2Permanent Product Continuum brochure Order On MOD

Allstate Basic TermSM is a term life policy issued by Allstate Life Insurance Company, 3075 Sanders Rd., Northbrook, IL 60062 with contract series number LU10987 and rider series LU10990.

Allstate TrueFit® is a term life insurance to age 95 policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC14AC1/AC14-1 and rider series ICC14AC2/AC14-2, ICC14AC3/AC14-3, ICC14AC12/AC14-26, ICC14AC11/AC14- 24, ICC14AC10/AC14-11, ICC14AC13/AC14-25.

Allstate Whole Life Tribute® is a whole life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC15AC1/AC15-1 and rider series ICC15AC2/AC15-2; ICC15AC3/AC15-3; ICC15AC4/AC15-4.

Whole Life Advantage® is a whole life insurance policy issued by Allstate Life Insurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series LU11040/ICC12A1 and rider series LU11045/ICC12A6, LU11043/ICC12A4, LU11041/ICC12A2, LU11042/ICC12A3, LU11051/ICC12A11, LU11044/ICC12A5, LU11048/ICC12A9, LU11046/ICC12A7.

Allstate Bridge UL® is a flexible premium universal life insurance policy issued by Allstate Life Insurance Company, 3075 Sanders Rd, Northbrook IL 60062 and is available in most states with contract series ICC12-AF1/LU11007 and rider series ICC12-AF7/LU11013, ICC12-AF2/LU11008, ICC12-AF6/LU11012, ICC12-AF5/LU11011, and ICC12-AF3/LU11009.

Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12 and rider series AC13-13, AC13-14, AC13-19, AC13-20, AC13-17, AC13-16, AC13-18.

Allstate FutureBuilder® UL is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC14AC14/AC14-5 and rider series ICC14AC18/AC14-10, ICC14AC17/AC14-18, ICC14AC16/AC14-17, ICC14AC21/AC14-6, ICC14AC23/AC14-16, IC14AC15/AC14-15, ACC14AC19/AC14-8, ICC14AC20/AC14-9, ICC14AC22/AC14-7.

Allstate FutureGrowth IUL® is a flexible premium indexed universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series ICC14AC27/AC14-19 and rider series ICC14AC23/AC14-16, ICC14AC15/ AC14-15, ICC14AC16/AC14-17, ICC14AC17/AC14-18, ICC14AC18/AC14-10, ICC14AC19/AC14-8, ICC14AC31/AC14-23, ICC14AC29/AC14-21, ICC14AC28/ AC14-20, ICC14AC30/AC14-22.

Allstate FutureVest VULSM is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook, IL 60062 and is available in most states with contract series ICC16AC3/AC16-2 and rider series ICC14AC16/AC14-17, ICC14AC15/AC14-15, ICC14AC23/AC14-16, ICC14AC17/AC14-18, ICC14AC18/AC14-10, ICC14AC19/AC14-8, and ICC14AC20/AC14-9.

Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.

Guarantees offered are subject to the claims-paying ability of the issuing company. 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. Check the background of this firm on FINRA’s BrokerCheck website: brokercheck.finra.org.

For Broker-Dealer or Agent Use Only — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material.

©2017 Allstate Insurance Company. All rights reserved.ALR2164-2 5/17

Life insurance can help in so many ways…n Provide income that will help financially protect customers and their families

n Help make sure a customer’s family could stay in their home

n Cover college expenses or pay off education debts

n Leave a financial legacy free of federal income tax for beneficiaries

n Provide for aging parents or children with special needs

n Cover final expenses

Life insurance can also offer many other benefits that you might not have considered, such as…

n Meet a wide variety of unexpected small business needs

n Help guarantee future insurability for children

n Protection against rising health expenses

n Access to Living Benefits while customers are still alive

There is no such thing as “one size fits all” in life insurance, but it is the cornerstone to helping protect a customer’s family and financial future.

Life Insurance: An important piece of a plan for the future.

As customers go through each stage of their life, their priorities and life goals change. To help ensure that at every stage of life they are moving closer to achieving their life goals, they need a plan to secure their financial future. One of the cornerstones of a sound plan can be life insurance.

Life insurance can help them protect their assets and the people who rely on them financially. The chart below reflects how life insurance fits into a strong plan that will help them build and protect the financial security and the lifestyle they’ve worked so hard to create for their family.

The four financial priorities of a good plan

MAKE IT LAST

Building a plan from the bottom

up

EstatePlanning

RetirementIncomeGifting

PRESERVE

OtherInsurance

UmbrellaLiability

Insurance

Long TermCare Insurance

ACCUMULATE AND GROW

Savings- Checking Accounts- Savings Accounts- Money Markets

PROTECT YOUR FOUNDATION

HealthInsurance

AutoInsurance

Homeowners/Property Insurance

DisabilityIncome

Insurance

Life InsuranceEmergencyFund

Wills/Trusts

Investments- Annuities - Mutual Funds- IRAs - Stocks & Bonds- Employee Retirement Plans

Life Product Comparison Guide

LIFE INSURANCE

n Allstate Basic TermSM n Allstate TrueFit® n Allstate Whole Life Tribute® n Whole Life Advantage®

n Allstate Bridge UL® n Allstate Lifetime UL® n Allstate FutureBuilder® UL

n Allstate FutureGrowth IUL® n Allstate FutureVest VULSM

For Broker-Dealer or Agent Use Only — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material.

ALR5225-1Product Side-by-SideOrder On MOD

Allstate Whole Life Tribute® is a whole life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook, IL 60062 and is available in most states with contract series ICC15AC1/AC15-1 and rider series ICC15AC2/AC15-2, ICC15AC3/AC15-3, ICC15AC4/AC15-4. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY and is available with contract series NYLU15-1 and rider series NYLU15-2, NYLU15-3, NYLU700.

Whole Life Advantage® is a whole life insurance policy issued by Allstate Life Insurance Company, 3075 Sanders Rd., Northbrook, IL 60062 and is available in most states with contract series LU11040/ICC12A1 and rider series LU11045/ICC12A6, LU11043/ICC12A4, LU11041/ICC12A2, LU11042/ICC12A3, LU11051/ICC12A11, LU11044/ICC12A5, LU11048/ICC12A9, LU11046/ICC12A7. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY, and is available with contract series NYLU796 and rider series NYLU801, NYLU799, NYLU797, NYLU697, NYLU699, NYLU800.

Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook, IL 60062 and is available in most states with contract series AC13-12 and rider series AC13-13, AC13-14, AC13-19, AC13-20, AC13-17, AC13-16, AC13-18. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676 and rider series NYLU677, NYLU682, NYLU681, NYLU680, NYLU683.

Allstate FutureBuilder® UL is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook, IL 60062 and is available in most states with contract series ICC14AC14/AC14-5 and rider series ICC14AC18/AC14-10, ICC14AC17/AC14-18, ICC14AC16/AC14-17, ICC14AC21/AC14-6, ICC14AC23/AC14-16, IC14AC15/AC14-15, ACC14AC19/AC14-8, ICC14AC20/AC14-9, ICC14AC22/AC14-7. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY and is available with contract series NYLU821 and rider series NYLU82, NYLU14-3, NYLU14-4, NYLU823, NYLU682-1, NYLU680, NYLU683, NYLU689.

Allstate FutureGrowth IUL® is a flexible premium indexed universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook, IL 60062 and is available in most states with contract series ICC14AC27/AC14-19 and rider series ICC14AC23/AC14-16, ICC14AC15/ AC14-15, ICC14AC16/AC14-17, ICC14AC17/AC14-18, ICC14AC18/AC14-10, ICC14AC19/AC14-8, ICC14AC31/AC14-23, ICC14AC29/AC14-21, ICC14AC28/ AC14-20, ICC14AC30/AC14-22. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY and is available with contract series NYLU14-5 and rider series NYLU682-1, NYLU14-3, NYLU680, NYLU683, NYLU14-4, NYLU14-9, NYLU14-7, NYLU14-6, NYLU14-8.

Allstate FutureVest VULSM is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook, IL 60062 and is available in most states with contract series ICC16AC3/AC16-2 and rider series ICC14AC16/AC14-17, ICC14AC15/ AC14-15, ICC14AC23/ AC14-16, ICC14AC17/ AC14-18, ICC14AC18/ AC14-10, ICC14AC19/ AC14-8, ICC14AC20/AC14-9.

Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.

The Standard and Poor’s 500 Composite Stock Price Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by us. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Allstate FutureGrowth IULSM is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Standard and Poor’s 500 Composite Stock Price Index.

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. Check the background of this firm on FINRA’s BrokerCheck website: brokercheck.finra.org.

For Broker-Dealer or Agent Use Only — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material.

©2017 Allstate Insurance Company. All rights reserved.ALR5225-1 5/17

Permanent Life Product Overview

LIFE INSURANCE

n Allstate Whole Life Tribute® n Allstate Lifetime UL® n Whole Life Advantage® n Allstate FutureBuilder® UL n FutureGrowth IUL® n Allstate FutureVest VULSM

Know the Products Tool Available on iSell Financial

For Broker/Dealer or Agent Use Only—Not for public dissemination. May not be distributed, reprinted, or shown to the public in oral, written, or electronic form as sales material ALR5431 8/17

MOD: Select Material Ordering and Distribution from your Gateway Quick Links navigation menu or click on the Material Ordering and Distribution link of Marketing Hub.

POD: Select Print on Demand from your Gateway Quick Links navigation menu or click on the Print on Demand link found on the Marketing Hub. For sales support call 800.607.2722.

TaG: Select Agency Marketing Storefront from your Gateway Quick Links navigation menu or click on the Agency Marketing Storefront and Marketing Blueprint link found on the Marketing Hub.

How to Order Materials using MOD, POD, and TAG

ALR5038TAG-1COMING SOONTerm Life Review Mailer (Term Conversions to VUL)Available on TAG

[[AgentNameCalc]][[AgentPhoneCalc]][[AgencyNameCalc]][[AgentAddressLine1Calc]][[AgentAddressLine2Calc]][[AgentCSZCalc]] [[AgentLicenseCalc]][[AgentEmailCalc]]

It’s time to get more out of life.

PRSRT STDU.S. POSTAGE

PAIDMAILED FROM

ZIP CODE 61615PERMIT NO.442FPO

Anthony Customer1234 State St.Suite 0000Anytown, CA 12345-6789FPO

Important information about your policy.

ALR4532TAGCOMING SOON Permanent Life Review MailerAvailable on TAG

[[AgentNameCalc]][[AgentPhoneCalc]][[AgencyNameCalc]][[AgentAddressLine1Calc]][[AgentAddressLine2Calc]][[AgentCSZCalc]] [[AgentLicenseCalc]][[AgentEmailCalc]]

It’s time to get more out of life.

PRSRT STDU.S. POSTAGE

PAIDMAILED FROM

ZIP CODE 61615PERMIT NO.442FPO

Anthony Customer1234 State St.Suite 0000Anytown, CA 12345-6789FPO

Important information about your policy.

Allstate FutureVest VULSM is a flexible premium variable adjustable life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd, Northbrook, IL 60062 and is available in most states with contract series ICC16AC3/AC16-2 rider series ICC14AC16/AC14-17; ICC14AC15/ AC14-15; ICC14AC23/ AC14-16; ICC14AC17/ AC14-18; ICC14AC18/ AC14-10; ICC14AC19/ AC14-8; and ICC14AC20/ AC14-9. Policy issuance is subject to availability and qualifications. This policy has exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits.All guarantees are based on the claims-paying ability of the issuing insurance company.Variable universal life products have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses, and other pertinent information. Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. Individuals should carefully consider the investment objectives, risks, charges, and expenses of the investment alternatives before purchasing a policy. The prospectus or a copy of the underlying portfolio prospectuses can be found on accessallstate. Individuals should read the prospectuses carefully before purchasing a contract.1 Loans, if not repaid, and withdrawals reduce the policy’s death benefit and cash value.Partial withdrawals and surrenders are generally taxed as ordinary income to the extent the withdrawal exceeds the 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 basis in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract (MEC). However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. Unpaid interest on loans is added to the loan principal, thereby increasing the total debt on the policy. The combination of an increasing loan balance and deductions for contract charges and fees may cause the policy to lapse, triggering ordinary income tax on the outstanding loan balance to the extent it exceeds the cost basis in the policy.

ALR1710Managing Your Universal Life PolicyOrder On MOD

We’re here for you.You can count on your Allstate Agency to be there for you with unique solutions and personal service to help you protect your family and achieve your lifelong dreams.

To learn more, call or visit your Allstate Agency today.

ALR1710 ©2016 Allstate Insurance Company. allstate.com 3/16

Managing your Universal Life Policy. Designed to meet your family’s changing needs.

LIFE INSURANCE

1 Loans are generally not taxable if taken from a life insurance policy that is not a Modified Endowment Contract (MEC). However, when a policy is surrendered, the cash values are used to repay a loan, and the transaction is treated like a withdrawal and taxed accordingly. Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawal exceeds your investment in the contact, which is also called the “basis.” In some particular situations partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. If a policy is a MEC, loans are treated as taxable distribution to the extent of policy gain subject to ordinary income taxation, and may be subject to an additional 10% federal tax penalty if made prior to age 59½.

Loans, (if not repaid) and withdrawals reduce the policy’s death and cash value.

2 The death benefit of life insurance policies that are 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.

All guarantees are subject to the claims-paying ability of the issuing company.

This information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice.

Life insurance offered through Allstate Life Insurance Company and Allstate Assurance Company, 3075 Sanders Rd, Northbrook IL 60062; Lincoln Benefit Life Company, 1221 N St. Ste 200, Lincoln NE 68508; American Heritage Life Insurance Company, 1776 American Heritage Life Dr., Jacksonville FL 32224.  In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge NY.

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Give your children a gift that keeps on giving.