1)
2) Cash Value available once accumulated.
3) Death Benefit for entire life
Family Coverage Available.
10,000 20,000 30,000 40,000 50,000 10,000 20,000 30,000 40,000 50,000
Age 20 5.52 11.03 16.56 22.07 27.59 3,479 6,957 10,436 13,914 17,393
30 6.93 13.87 20.80 27.73 34.67 3,214 6,427 9,641 12,855 16,069
40 11.81 23.62 35.43 47.23 59.04 2,782 5,565 8,347 11,130 13,912
50 21.07 42.15 63.23 84.30 105.38 2,042 4,084 6,125 8,167 10,209
60 42.21 84.42 126.63 168.83 211.04 1,867 3,733 5,600 7,467 9,334
10,000 20,000 30,000 40,000 50,000 10,000 20,000 30,000 40,000 50,000
Age 20 9.10 18.20 27.31 36.40 45.50 4,373 8,745 13,118 17,491 21,864
30 11.39 22.79 34.18 45.56 56.96 4,043 8,085 12,128 16,170 20,213
40 18.46 36.92 55.38 73.83 92.29 3,487 6,974 10,460 13,947 17,434
50 31.72 63.43 95.16 126.87 158.59 2,533 5,065 7,598 10,130 12,663
60 57.43 114.87 172.30 229.73 287.17 2,065 4,130 6,196 8,261 10,326
5,000 10,000 15,000 20,000
2.28 4.55 6.83 9.10
*Value shown is at attained age 65 or the end of year 10 if later, and assumes all premiums have been paid, no changes have been made to the certificate, and there
is no certificate debt.
Whole Life Insurance with Accelerated Death Benefit for Long Term Care with Restoration of Benefits and Extention of
Benefits Rider from Allstate Benefits provides 3 different benefits:
Nursing Home or at Home Care for daily living costs. Paid out monthly advance at 6% of death benefit.
Even if you use your long term care benefits, the death benefit will still pay the full pre-acceleration
amount.
Cash Value after 10 years*
Cash Value after 10 years*
Group Whole Life with Accelerated Death
Benefit for Long Term Care with Restoration
of Benefits and Extention of Benefits Rider
Monthly Child Term Rates
24 hours - 18 yrs,
or through age 25
if full time student
Benefit Amount
Cash Value at age 65*
Monthly Rates (Non-tobacco)
Monthly Rates (Tobacco)
Cash Value at age 65*
Benefit Amount
Benefit Amount
Exclusions and Limitations
Pre-Existing Condition Limitation for Accelerated Death Benefit for Long Term Care with Restoration of Benefits and
Extension of Benefits Riders - Benefits are not paid for a period of chronic i llness care resulting from a pre-existi ng
condition that begins within the first 6 months after the effective date of coverage. This does not apply to a period of care
beginning 6 months after the effective date. A pre-existing condition is a condition, whether diagnosed or not, for which
symptoms existed within the 6-month period prior to the effective date, or medical advice or treatment was
recommended or received from a medical professional within 6 months before the effective date.
Exclusions for Accelerated Death Benefit for Long Term Care with Restoration of Benefits and Extension of Benefits
Riders - Benefits are not paid for long-term care services that are: a result of mental or emotional disorder (except for
Alzheimer's Disease, senility or senile dementia that are of organic origin); a result of alcoholism or drug addiction; a
result of illness, treatment or medical conditions due to: act of war, participation in a felony, riot or insurrection, serving
in the armed forces or auxiliary units, suicide or attempt at suicide, or intentionally self-inflicted injury; provided in a
government facility (unless required by law); services for which benefits are available under Medicare (except for
deductibles or coinsurance requirements) or other governmental program (except Medicaid), any state or federal
workers' compensation, employer's liability or occupational disease law, or motor vehicle no-fault law; received outside
the United States or its territories.
Suicide Exclusion for Group Whole Life, Children’s Term Rider - If the insured or rider insured commits suicide within 2
years of the effective date of coverage, the death benefit will be limited to the premiums paid.
Group Whole Life Insurance benefits are provided under form GWLP, or state variations thereof. Rider benefits are
provided under the following forms, or state variations thereof: Accelerated Death Benefit for Terminal Illness or
Condition (GWPTI); Children’s Term (GWPCT); Accelerated Death Benefit for Long Term Care with Restoration of Benefits
and Extension of Benefits (GWPLTCRE, GWPLTCRE1). This is a brief overview of the benefits available under the group
voluntary policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of
the insurance, including exclusions, restrictions, and other provisions are included in the certificates issued. Allstate
Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate
Corporation.