The Allstate Corporation

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1 The Allstate Corporation Bank of America Merrill Lynch 2015 Insurance Conference Thomas J. Wilson: Chairman and Chief Executive Officer February 12, 2015

2 Forward-Looking Statements and Non-GAAP Financial Information This presentation contains forward-looking statements and information. Additional information on factors that could cause results to differ materially from those projected in this presentation is available in the 2013 Form 10-K, our Form 10-Q for the quarter ended September 30, 2014, in our most recent earnings release, and at the end of these slides. These materials are available on our website, allstateinvestors.com. This presentation also contains some non-gaap measures. You can find the reconciliation of those measures to GAAP measures within our most recent earnings release and investor supplement. These documents are located on our website, allstateinvestors.com, under the Quarterly Investor Info link. 1

3 Allstate is an Attractive Investment Opportunity Competitively differentiated strategy based on: Customer segmentation Analytics-based decision making Advanced technology Nation s largest publicly held personal lines insurer Broad portfolio of growth opportunities Three strong Property-Liability brands Business to Business platform Broad-based investment capabilities Serve 16 million households Over 32,000 Allstate exclusive agents, financial specialists and licensed sales producers Attractive returns generated from low volatility auto insurance, repositioned homeowners business, other personal lines, life insurance, workplace benefits and investments Policy growth through focused customer value propositions and expansion of product and geographic footprint Proactive risk and capital management Long history of cash returns to shareholders 2

4 Decreasing Cost of Accidents Allstate s Broad-Based Strategy Supports Growth Even with Rapid Change in Auto Insurance Market Potential Long-Term Auto Insurance Industry Scenarios Growing Fleet Size Industry Auto Net Written Premium (Illustrative) Love My Car The Jetsons Back to the 1970s Easy but Expensive Increasing Cost of Accidents Back to the 1970s The Jetsons Decreasing Fleet Size +10 yrs +15 yrs +20 yrs Allstate Growth Vehicles Differentiated customer value propositions Homeowners and Other Personal Lines comprise 30% of Allstate Brand net written premiums Strong brands and operational execution Other growth businesses: Roadside Services, Allstate Benefits, Business Insurance, Dealer Services Expanding customer relationships through connected car initiatives 0.0 3

5 Comprehensive Strategy to Provide Differentiated Customer Value Propositions to Unique Consumer Segments Brand Neutral Local Advice and Assistance Self- Serve Brand Sensitive Strategy Based On: Segmentation, Analytics and Advanced Technology Segmentation Allstate Agencies as Trusted Advisors Broad product portfolio across segments Best value through lowest possible cost Analytics Sophisticated pricing expertise Effective and efficient claims settlements Enterprise risk management Expanded capabilities and talent throughout company Advanced Technology Simplification of infrastructure Telematics - connected car Integrated Digital Enterprise 4

6 Personal Lines Unit Growth With Attractive Returns The Allstate Brand is driving profitable growth Allstate Brand growth accelerated throughout 2014 Allstate Brand Auto & Homeowners Policy in Force Trends (Auto #M) (Home #M) 21 9 Investing in Esurance market share growth Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q Auto Homeowners 5 Auto profitability managed by microsegmentation, broad-based analytics and local execution Homeowners returns have significantly improved, as reflected by the underlying loss ratio in the low 60s Organization structure, business capabilities and accountability react to cost trends (CR) 140 Allstate Brand Auto and Homeowners Combined Ratio Auto Homeowners Homeowners x-cat (1) Allstate Brand Auto results prior to 2011 and Allstate Brand Homeowners results prior to 2008 are not adjusted for DAC accounting change adopted in

7 Considerations Beyond Current Earnings Allstate businesses that should not be solely valued on current earnings Proactive approach to capital management to drive shareholder value Utilization of preferred shares to replace common equity Potential to access alternative capital Successful history of selectively pursuing adjacent acquisitions Allstate Benefits Partnership Marketing Group Esurance Leveraging connected customer relationships 6

8 Allstate is an Attractive Investment Opportunity with Significant Growth Potential Competitively differentiated strategy based on: Customer segmentation Analytics-based decision making Advanced technology driving strategy 9.2% Total Cash Return per Common Share Common Dividends Common Share Repurchases 8.3% 9.4% 10.7% Attractive returns 6.3% 5.2% 7.9% 8.9% Policy growth 2.9% 3.1% 1.5% 1.8% (1) Proactive risk and capital management Total Shareholder 2/10/15 Long history of excellent returns to shareholders ALL S&P P&C S&P % 90.9% 75.7% 158.8% 105.5% 104.4% 30.9% 14.9% 14.4% 1/1/14-2/10/15 1/1/12-2/10/15 1/1/10-2/10/15 (1) There were five dividend payments in

9 Forward-Looking Statements This presentation contains forward-looking statements that anticipate results based on our estimates, assumptions and plans that are subject to uncertainty. These statements are made subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of These forwardlooking statements do not relate strictly to historical or current facts and may be identified by their use of words like plans, seeks, expects, will, should, anticipates, estimates, intends, believes, likely, targets and other words with similar meanings. We believe these statements are based on reasonable estimates, assumptions and plans. However, if the estimates, assumptions or plans underlying the forward-looking statements prove inaccurate or if other risks or uncertainties arise, actual results could differ materially from those communicated in these forward-looking statements. Factors that could cause actual results to differ materially from those expressed in, or implied by, the forward-looking statements include risks related to: (1) adverse changes in the nature and level of catastrophes and severe weather events; (2) impacts of catastrophe management strategy on premium growth; (3) regulatory changes, including limitations on rate increases and requirements to underwrite business and participate in loss sharing arrangements; (4) market convergence and regulatory changes on our risk segmentation and pricing; (5) the cyclical nature of the property and casualty business; (6) unexpected increases in the severity or frequency of claims; (7) reestimates of reserves for claims; (8) adverse legal determinations regarding discontinued product lines and other legal and regulatory actions; (9) changes in underwriting and actual experience; (10) the influence of changes in market interest rates on spread-based products; (11) changes in estimates of profitability on interest-sensitive life products; (12) reducing our concentration in spread-based business and exiting certain distribution channels; (13) changes in tax laws; (14) our ability to mitigate the capital impact associated with statutory reserving requirements; (15) compliance and operational issues relating to dispositions and acquisitions of businesses; (16) market risk and declines in credit quality relating to our investment portfolio; (17) our subjective determination of the fair value of our fixed income and equity securities and the amount of realized capital losses recorded for impairments of our investments; (18) competition in the insurance industry; (19) conditions in the global economy and capital markets; (20) losses from legal and regulatory actions; (21) restrictive regulation and regulatory reforms; (22) the availability of reinsurance at current levels and prices; (23) credit risk of our reinsurers; (24) a downgrade in our financial strength ratings; (25) the effect of adverse capital and credit market conditions; (26) failure in cyber or other information security systems; (27) the impact of a large scale pandemic, the threat of terrorism or military action; (28) possible impairments in the value of good-will; (29) changes in accounting standards; (30) the realization of deferred tax assets; (31) restrictions on our subsidiaries ability to pay dividends; (32) restrictions under the terms of certain of our securities on our ability to pay dividends or repurchase our stock; (33) changing climate conditions; (34) loss of key vendor relationships or failure of a vendor to protect confidential information; and (35) failure to protect intellectual property. Additional information concerning these and other factors may be found in our filings with the Securities and Exchange Commission, including the Risk Factors in our most recent Annual Report on Form 10-K and quarterly report on Form 10-Q. Forward-looking statements speak only as of the date on which they are made, and we assume no obligation to update or revise any forward-looking statement. 8

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