Help customers choose the best value.

Giving customers a clear picture of the real cost of a life insurance policy can sometimes be challenging. But to ensure they’re getting the product that protects everything that matters to them, it’s vital to help them understand which product can provide the best value overall.

That’s why we developed the Total Value Calculator. Found at accessallstate.com/calculators, you can use it to input numbers from your customer’s personal situation to determine which of two policies provides the better value.

You input information about a Lincoln Benefit Life product and a comparison product, including:
   • Product name
   • Level death benefit
   • Premiums
   • Projected surrender value
   • Guaranteed surrender value

Once you submit this information, the worksheet will provide you with the Annual Cost of Funding under both the projected assumptions and the guaranteed assumptions. There’s even room to account for the impact of additional riders and features.

	Legacy Secure UL is typically within 5% of the lowest-priced carrier during premium comparisons. And considering how much more your customer gets, that’s a value that’s hard to ignore. Legacy Secure UL will rarely be the “lowest-priced” option. But that’s OK. No price is a good price if the quality and security isn’t there.


	• Accessallstate.com/life • Sample Worksheet

Guarantees are based on the claims-paying ability of Lincoln Benefit Life Company.

Legacy Secure UL® (UL0610 series) is issued by Lincoln Benefit Life Company, Home Office: Lincoln, NE. Lincoln Benefit Life Company is a wholly owned subsidiary of Allstate Life Insurance Company, Home Office: Northbrook, IL.

FOR BROKER-DEALER OR AGENT USE ONLY – This material may not be quoted, reproduced or shown to members of the public, nor used in electronic or written form as sales literature for public use.

©2010 Allstate Insurance Company | EB-727