Employee Response Required

Key Details of the Allstate Life + Long Term Care (LTC) Benefit:

- Three ways to receive benefits: LTC, Life Insurance, or LTC + Life Insurance
- Issue age rates - Life Insurance rates do not increase due to age
- Coverage is portable
- Other benefits do not cover LTC expenses

You need to apply or waive your opportunity for guarantee issue* (no health questions) by 11/28/2023. This is the only time to enroll with guarantee issue (no health questions).

1. Review Rates

Select your age as of 1/1/2024
Benefit Features
A
B
C
Life Insurance Face Value
$10,000
$20,000
$50,000
Monthly LTC Benefit Amount
$600
$1,200
$3,000
LTC Rider Duration
17 months
17 months
17 months
Extension of LTC Benefits
17 months
17 months
17 months
Total LTC Duration
34 months
34 months
34 months
LTC Maximum Benefit
$20,000
$40,000
$100,000
Monthly Premium**
Select age
Select age
Select age
Spouse Monthly Premium
Select age
Select age
Select age
Total Monthly Premium Without Marital Discount
Select age
Select age
Select age
Total Monthly Premium With Marital Discount
Select age
Select age
Select age
Benefit Features
A
Life Insurance Face Value
$10,000
Monthly LTC Benefit Amount
$600
LTC Rider Duration
17 months
Extension of LTC Benefits
17 months
Total LTC Duration
34 months
LTC Maximum Benefit
$20,000
Monthly Premium**
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age
Benefit Features
B
Life Insurance Face Value
$20,000
Monthly LTC Benefit Amount
$1,200
LTC Rider Duration
17 months
Extension of LTC Benefits
17 months
Total LTC Duration
34 months
LTC Maximum Benefit
$40,000
Monthly Premium**
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age
Benefit Features
C
Life Insurance Face Value
$50,000
Monthly LTC Benefit Amount
$3,000
LTC Rider Duration
17 months
Extension of LTC Benefits
17 months
Total LTC Duration
34 months
LTC Maximum Benefit
$100,000
Monthly Premium**
Select age
Spouse Monthly Premium
Select age
Total Monthly Premium Without Marital Discount
Select age
Total Monthly Premium With Marital Discount
Select age

2. Apply by 11/28/2023 or Waive Your Opportunity for Guarantee Issue*

Apply for Coverage by 11/28/2023
Waive Opportunity Guarantee Issue**

 

*Benefit Eligible Employees working 30+ hours per week ages 18-70 can apply with Guarantee Issue (No Health Questions Asked) up to $200,000 of Life Insurance Benefit and ages 18-80 can apply up to $250,000 Life Insurance Benefit subject to medical underwriting. Working Spouses and Partners ages 18-70 may also apply for their own policy with Guarantee Issue (No Health Questions) up to $75,000 Life Insurance Benefit and ages 18-80 up to $150,000 subject to medical underwriting approval. Non-Working Spouses and Partners ages 18-70 may also apply for their own policy with Guarantee Issue (No Health Questions) up to $10,000 Life Insurance Benefit and ages 18-80 up to $50,000 subject to medical underwriting approval.

**In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.