Structured Settlements

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1 Structured Settlements Flexible solutions for nonphysical injury and other claims

2 Allstate has the answer for nonphysical injury claims. Structured settlements are used to meet the financial needs of the injured party through an assignment of liabilities.

3 Structured settlements can resolve 1 : Nonphysical injuries Employment litigation (except for wages) Attorney fees Pre-August 5, 1997, workers compensation Environmental litigation Long-term disability Punitive damages Property claims Errors & omissions Directors & officers Many other types of claims What can Allstate do for you? Structured settlements offer flexible payment options during negotiation in order to meet a plaintiff s financial needs. To plan for the future, the recipient can choose a combination of periodic payment streams and lump sums, including payments made for their lifetime. A defendant or insurer may choose to assign their obligation to make the periodic payments for the plaintiff to an assignment company (assignee includes Allstate International Assignments, Ltd.). This assignee will then purchase either a fixed annuity or a funding agreement from Allstate Life Insurance Company (Allstate) or Allstate Life Insurance Company of New York as the funding vehicle to make the periodic payments to the plaintiff. 1 The benefits paid under these arrangements are generally taxable. Please consult your legal or tax advisor for specific information.

4 Allstate s strength. Allstate offers financial strength and stability. Customers also get the peace of mind that comes with having one of the nation s leading life insurance companies fund their structured settlements. Rest assured, You re In Good Hands With Allstate. Our customers have our reassurance that their needs remain our number-one focus. Allstate s experienced staff and superior customer service team are dedicated to providing the uncompromising level of service expected from Allstate.

5 Our ratings. We re proud to have received high ratings from these independent analysts. All ratings are based on the insurer s financial strength. In the case of Allstate Life Insurance Company of New York, the ratings reflect the relationship to the parent company, Allstate Life Insurance Company. a.m. best A+ (Superior) Allstate Life Insurance Company A+(g) (Superior) Allstate Life Insurance Company of New York Allstate Life Insurance Company and Allstate Life Insurance Company of New York each received the second highest of 13 ratings ranging from A++ (superior) to D (poor). Allstate Life Insurance Company of New York s (g) indicates its group affiliation with Allstate Life Insurance Company. standard & poor s AA (Very Strong) Allstate Life Insurance Company and Allstate Life Insurance Company of New York each received the third highest of 20 ratings ranging from AAA (extremely strong) to CC (extremely weak). moody s Aa2 (Excellent) Allstate Life Insurance Company and Allstate Life Insurance Company of New York each received the third highest of 21 ratings ranging from Aaa (exceptional) to C (extremely poor). Ratings are as of July 2007 and are subject to change without notice.

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7 Why choose Allstate? Allstate Life Insurance Company (Allstate) is one of the largest life insurers in the United States. With total assets of over $100 billion, Allstate is wholly owned by Allstate Insurance Company, which is wholly owned by The Allstate Corporation. The Allstate Corporation is a Fortune 100 company and the largest publicly traded personal lines insurance company in the United States. To date, Allstate has issued over $8 billion in structured settlement products. Allstate is a recognized leader in the structured settlement industry. Allstate pays out over $600 million annually to 26,000 structured settlement annuitants. Our focus is safe, secure money management. Throughout Allstate s history, our strategy has been to safely manage money for predictable, steady growth. To support this strategy, we invest in a diverse portfolio of investment-grade bonds and securities, matching high-quality assets with our liabilities. We hold ourselves to the highest standards. Allstate is proud to be among the first members of the Insurance Marketplace Standards Association (IMSA). Our membership signifies our commitment to honesty, fairness and integrity in the sales and service of individual life insurance and annuity products.

8 I want a financial company I can COUNT ON. With more than 75 years of experience, the Allstate family of companies has a strong tradition of being there when people need us. Today we offer innovative solutions to help you meet your life s needs, overcome your financial challenges and achieve your lifelong dreams. With Allstate, you can feel better protected and more in control of your future than ever before. Is your financial security in Good Hands? Life insurance and annuities issued by Allstate Life Insurance Company: Northbrook, IL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY Allstate Insurance Company. allstate.com 08/07