Here is A list of companies that offer diffrent types of insurance.

Lincoln Benifit Insurance

Innovative Customer ProductsAllstate, our parent company, specially selected Lincoln Benefit Life to develop competitively priced life and annuity products for distribution through more than 85,000 agents across the nation. Those products and the distribution strategy have been extraordinarily popular with consumers.
· Fixed life insurance and annuities, including a market value adjusted annuity and second-to-die life insurance product
· Four indexed annuities and a Treasury-Linked annuity that received a patent in 2006. · And a variable universal life product with a wide array of investment managers and investment options to choose fromWhen your customers need life insurance protection or investments for their retirement plan, you can find the right product at a competitive price from Lincoln Benefit Life.Value and Personal ServiceThrough the years we've built a strong reputation for giving customers exceptional personal service. Our service representatives are trained to answer almost any question you have the first time you ask. If you have policy changes, you can make them over the phone with just a single call. Our aim is to make every contact you have with us as easy and convenient as possible for you.Our special brand of service isn't limited to times when you contact us. For example, we help you monitor the growth of your customer's cash accumulation policies by sending you regular, computerized reports.When you have questions or need help, you can reach our home office and more than 1,000 employees with a toll-free call to 1800-525-9287, Monday through Friday, 8:00a.m. to 7:00p.m., Central TimeIMSA MembershipLincoln Benefit Life is a member of the Insurance Marketplace Standards Association (IMSA) and is dedicated to meeting the high standards of ethical conduct in the advertising, sales and service of individual life insurance and annuity products.

METLIFE

Life Insurance
What to look for in life insurance
Life Advice
Deciding to protect those who depend on
us with a sufficient amount of life insurance
protection is a responsible and caring act.
Life insurance can provide those who are left behind
with a lifetime of financial security. This booklet offers
straightforward information and practical advice
about life insurance and the purchasing process.
LIFE ADVICE®
This Life Advice® text about Life Insurance was produced by the MetLife
Consumer Education Center and reviewed by LOMA (Life Office Management
Association) and LIMRA (Life Insurance Management Research Association).
Table of Contents
Life Insurance Defined . 1
Do I Need Life Insurance? 1
Specific Types of Life Insurance . 1
How Much Do I Need? 2
Choosing the Right Company 3
Controlling Costs . 3
If You Already Have Life Insurance . . . 4
Increasing Coverage: Replace or Add . 4
For More Information 4
Life Insurance Defined
Life insurance is an important part of a complete financial portfolio.
Learning basic life insurance facts will help you make an informed
decision about the type and the amount of life insurance that you need.
When you buy life insurance, you enter into a contract with an
insurance company that promises to provide your beneficiaries with a
certain amount of money upon your death. In return, you make periodic
payments, called premiums. The premium amount is based on factors
such as your age, gender, medical history, and the dollar amount of life
insurance you purchase.
In the event of your passing, life insurance provides money directly to your
beneficiaries. They can use the money for whatever they want, such as:
• Making up for your lost income
• Funding a child’s education
• Paying off household debt
• Paying for your funeral and other related expenses
Certain types of life insurance may provide benefits for you and your
family while you’re still living. For example, permanent life insurance
offers a cash value component, which can be put to good use during
your lifetime.
Do I Need Life Insurance?
Your income can be considered your family’s most valuable asset.
Your income is used to obtain the necessities of life and provide for
life’s comforts. The need for that income continues, whether or not
you’re here to provide it. The following situations signal a need to
consider purchasing life insurance.
• You have a spouse, domestic partner, children, and/or an aging
parent or disabled relative—and your retirement pension and
savings are not enough to insure your dependents’ future
• You have a sizable estate
• You own a business
Carefully chosen life insurance can help loved ones maintain their
standard of living after your death.
Specific Types of Life Insurance
Several types of life insurance are available to meet your needs.
There are two main categories of life insurance: term insurance and
permanent insurance.
Term life insurance offers protection for your loved ones for a
specified period of time—usually from one to 20 years. If you stop
paying premiums, the insurance stops. Term policies pay benefits if you
die during the period covered by the policy; but they do not build cash
value. If you want life insurance for a limited time—long enough to meet
your anticipated responsibilities to those who depend on you—term life
insurance may be right for you. A breadwinner might, for example, buy a
term policy that matches the length of a home’s mortgage. Premiums for
term insurance are often higher as you get older.
Term life insurance snapshot:
• Easy to understand
• Affordable way to get maximum coverage
• Increases in cost after the specified period
• Builds no cash value
Permanent life insurance policies do not expire; they are intended
to protect your loved ones permanently. Some types of these policies
accumulate cash value, although they should not be purchased solely for
that use, since their primary purpose is to provide protection.
Permanent life insurance policies have variations. Your insurance
agent can provide you with specific details to help you choose the
policy that best serves your needs.
If you value added security, flexibility, cash value and lifetime coverage,
some form of permanent life insurance may be right for you.
Permanent life insurance snapshot:
• Protection for life, as long as you pay your premiums
• Can build equity in the form of a cash value
• Offers flexibility and many options to choose from
• Initially higher premiums than term life insurance, but more costeffective
in the long run
Term and Permanent life together. Don’t think that you’re
limited to one or the other; you may find that a combination of term
and permanent life meets your needs best.
For example, the foundation of your life insurance plan could be
permanent life, supplemented by term life during your family-building,
mortgage-paying years when coverage needs are typically higher.
1
How Much Do I Need?
There are many ways to determine how much life insurance you may
need. Many of these determinations depend on your personal situation
and preferences toward retirement and lifestyle. Perhaps you, like
many people, want enough life insurance to make sure your family can
continue to live their current lifestyle after your death. If the primary
purpose of life insurance is to provide annual income for your loved
ones, the insurance amount will, ideally, be enough to replace what you
would have earned until the age at which you would have retired.
Your goal should be to develop a life insurance plan (through one or
more policies) that, following your death, compensates for the loss of
your economic contribution. Here are two ways to determine how much
life insurance you may need.
1. One method often used is to calculate Replacement Income Need,
sometimes called Human Life Value. This is a well-established
method to determining the financial contribution you can expect
to make to your family from now until you would retire. It’s more
than just replacing your income; Human Life Value takes into
account everything you provide for your family, including:
• Salary
• Benefits/health insurance
• 401(k) and retirement savings
• Personal services you perform for your family, such as child care,
cooking, home maintenance, etc.
• Less, your personal consumption—annual spending on personal
needs, such as food, clothing, entertainment, etc.
The chart below illustrates the amount of money that would be
needed to replace lifetime earnings and household contribution at
various ages and income levels. Find the age and income nearest
yours to get a rough estimate of how much money would be
needed in the event of your unforeseen death. Note, there are
several financial assumptions already taken into consideration with
these estimates.
Human Life Value Assumptions:
• Human Life Value amounts are adjusted for present value,
assuming a 5% annual investment rate of return
• Annual salary increases of 4%
• Tax rate of 25%
• Annual personal consumption valued at $10,000
• Annual services at home valued at $5,000
• Annual fringe benefits valued at $8,000
• Earned income stops at age 65
2. Another approach used in the financial services industry is called
the Survivor Needs Analysis. This approach is based on replacing
an amount of income needed for your surviving spouse and
children to maintain a desired level of income and lifestyle. Your
survivors’ needs are then compared to their assets, existing life
insurance and income sources to determine any additional life
insurance requirements. This approach incorporates a vast array of
financial data, relying on a number of assumptions.
Remember, the specific amount of life insurance you need to protect
your loved ones depends on many factors—assumed rate of return
on investments, future interest rates, inflation assumptions, future
earnings, and future expenses. An insurance professional or financial
advisor can help you determine an accurate figure and choose
appropriate coverage.
Choosing the Right Company
Once you have determined your life insurance objectives, speak to a
qualified insurance professional to design the appropriate coverage
for you. To ensure that you choose a good advisor, ask friends and
colleagues for personal recommendations. To narrow your search, ask
the following:
2
Annual Income
Age $25,000 $50,000 $100,000
30 $619,030 $1,152,684 $2,219,951
35 $542,769 $1,010,680 $1,946,472
40 $462,771 $861,719 $1,659,593
45 $378,854 $705,460 $1,358,654
50 $290,826 $541,544 $1,042,965
55 $198,482 $369,590 $711,806
This chart represents the amount of money you would need to
receive today in order to replace a lifetime of earned income.
• Is the insurance company financially secure? Does it
have a good claim payment history, good customer service, and
competitive prices? Independent companies such as Standard &
Poor’s, A.M. Best, Moody’s, and Fitch rate insurance companies,
and provide information on their financial solvency.
Your state insurance department and the Better Business Bureau can
provide valuable information on finding a good insurance company.
Before buying any life insurance product, be sure to read the policy
carefully and get clear answers to all of your questions.
Controlling Costs
Here are some ways you can lower your premiums and save money in
the long run:
• Buy it now. Premiums for the same coverage increase the
older you become. And the longer you wait, the more you risk
developing a health condition that could increase your premium
further.
• If you want permanent life but you’re on a budget,
consider some term for now. You can save money initially by
buying some term life in combination with permanent life. Then
later, if your budget increases, consider converting the term policy
to permanent life.
• Consider group life insurance offered through your
employer. This form of life insurance coverage, known as group
insurance, is generally less expensive than comparable plans offered
to individuals. You can obtain coverage up to a certain level without
providing evidence of good health, and group insurance plans
typically provide for continued coverage during periods of disability.
Most plans are administered through payroll deduction, a very
convenient way to pay for coverage. Keep in mind that your group
coverage may end or become more expensive when you leave your
job. Some plans allow you to continue your coverage after you leave
simply by continuing your premium payments or converting your
coverage to an individual policy.
• Look for a guaranteed renewable policy if you buy term
insurance. That way you won’t have to shop for a new policy
(with higher premiums) when you’re older, nor will you have to
pay more if your health deteriorates. Keep in mind, guaranteed
renewable policies can be complicated. Your insurance professional
or financial advisor can help you fully understand these products.
• Carefully consider additional riders, which are optional forms
of coverage, and make sure you really need them.
• Shop around and compare coverage, and company
quality. Consider getting more than one quote on comparable
policies, and ask questions about the policy’s renewal and
withdrawal provisions.
Regardless of what kind of insurance you purchase, keep in mind that
most insurance policies contain exclusions, limitations, reductions of
benefits and terms for keeping them in force. Your representative can
provide you with costs and complete details.
Tax Advantages of Life Insurance
Tax-Deferred Cash Values. Some types of permanent life insurance
build cash value over time. Your policy’s cash value grows on a taxdeferred
basis. Tax deferred means that you do not pay taxes on the
cash value accumulation. This benefit allows you to maximize the
growth potential of your policy when paying additional premiums in the
earlier years of your life.
Access to Funds. The cash value earned on a permanent life
insurance policy can be withdrawn or borrowed against to help with
big-ticket items, such as a college education or down payment on a
home. As long as your policy remains in force, i.e., you’ve paid the
policy premiums, you can generally access the cash value on a taxfree
basis during your lifetime. Of course, withdrawals and/or loans
and unpaid interest on loans will reduce the death benefit (i.e., the
amount paid when the person insured under the policy dies).
Direct Payment of Death Benefit. Life insurance benefits are
generally not subject to income tax. These benefits can go directly
to your beneficiaries without going through probate. Life insurance
proceeds can be used to pay funeral expenses and estate taxes
without liquidating other assets. Keep this in mind when you review
your life insurance and other financial plans. Check with a financial
planner or tax professional to find out how recent and proposed
changes to estate tax laws may affect your financial plans.
3
Insurance
Policy
Book
4
If You Already Have Life Insurance…
If you currently have a life insurance policy, it’s a good idea to review
it every few years to make sure it still meets you needs. Check to
make sure all beneficiaries and other information are current. Do any
of the “ifs” below pertain to you? If so, it might be time to speak
with your representative.
If you…
• Were recently married or divorced
• Have a child or grandchild who was recently born or adopted
• Provide care or financial help to a child or parent
• Want to ensure that financial resources are available to
provide assistance or long-term care for a loved one
• Purchased a new home recently
• Have children or grandchildren who are about to enter college
• Refinanced your home mortgage in the past six months
• Receive an inheritance
• Retired or your spouse has retired
• Have started a business
Increasing Coverage: Replace or Add?
You can trade or replace an existing policy, but you should think
carefully before you do. Whether you switch policies within the same
company or switch from one company to another, your new policy
would be subject to new underwriting, which may affect how much
you have to pay. For example, premium rates are partly based on
age, so a new policy is likely to be more expensive. Changes in your
health—or the way the new insurer takes your health into account—
can also affect your premium.
You may lose some or all of the cash value in your current policy
if you switch. Also, there is normally a new “contestability period”
during which the insurer can cancel the policy and refuse to pay
death benefits if information on the application was materially
incomplete or misleading.
If you’re planning to increase your total life insurance, it’s generally
better to keep your old policy and increase its face amount if you can,
or simply add a new policy.
Suppose, for example, that you currently have $250,000 worth of life
insurance and your new objective is to have $500,000. It may be better
to keep the existing $250,000 policy and buy a second $250,000
policy to total $500,000. Your existing policy premiums will generally
be less than those for the new policy because you bought it when you
were younger, and you won’t lose any existing cash value. Be sure
to ask your insurance professional or financial advisor about the best
alternative for your specific situation.
For More Information
Free Brochures
The quarterly Consumer Information Center catalog lists more
than 200 helpful federal publications. Obtain a free copy by calling
888-8-PUEBLO or on the Internet at www.pueblo.gsa.gov.
Helpful Websites
www.fpanet.org
The Financial Planning Association provides information about
financial planning and a listing of financial advisors by area.
www.consumerfed.org
The Consumer Federation of America will, for a fee, help you evaluate
life insurance policies you are considering. Contact them by calling
202-387-6121 or on the Internet.
www.iii.org
The Insurance Information Institute has a library of information to help
you better understand your insurance policies and learn new ways to
save money.
www.naic.org/state_web_map.htm
The National Association of Insurance Commissioners is the
organization of state insurance regulators for all 50 of the United
States, Washington DC, and five US territories. For information about
insurance in your state, contact your state’s Insurance Department.
The NAIC website provides access to all 50 state insurance
department websites.
www.bbb.org
The Better Business Bureaus can alert you to complaints against
companies in your area. BBB provides objective advice, free business
and charity reports, and educational information on topics affecting
marketplace trust.
www.metlife.com
This website features a Life Insurance Selector tool that helps
consumers determine what type of life insurance they may need and
how much.
For information about other Life Advice topics,
go to www.metlife.com/lifeadvice
To order up to three free Life Advice brochures, call
800-METLIFE (800-638-5433).
LIFE ADVICE®
For more information call 1-800-METLIFE
or contact your local MetLife representative.
This brochure, as well as any recommended reading and reference materials mentioned,
is for general informational purposes only. It is issued as a public service and is not a
substitute for obtaining professional advice from a qualified person, firm or corporation.
Consult the appropriate professional advisor for more complete and current information.
Text may be reproduced with written permission only. Reproduction of any graphical
image, trademark or servicemark is prohibited.
0812-0563 LAI04(0109)
© 2009 METLIFE, INC. L0209017012(exp0211)(All States)(DC,GU,MP,PR,VI)
PEANUTS © United Feature Syndicate, Inc.
Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166
http://www.metlife.com/

ALLSTATE AUTO INSURANCE

PLATINUM PACKAGE

Accident Forgiveness (Multiple Accidents) Helps keep your rates from going up just because of an accident. Even if it's your fault.
Safe Driving BonusSM
Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other Allstate discounts you qualify for.
Deductible RewardsSM
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement (optional)
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.

GOLD PACKAGE

Accident ForgivenessHelps keep your rates from going up just because of an accident. Even if it's your fault.
Deductible RewardsSM
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement (optional)
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.

ALLSTATE PROPERTY INSURANCE

Insuring Your Home's Structure
Protection for the Roof Over Your Head
Your family's security primarily depends on having a safe, comfortable place to live. Your policy will contain a description of your home's structure and a list of excluded events. If something happens, you can make a claim.
Your Residence Type Matters
Structures vary so widely that a different policy is required for each type of home.
· A Condo policy typically covers interior structures like wallboard and lighting fixtures. Depending on your state, your association by-laws, and insurer, external walls will not be covered.
· A Home’s entire structure is covered along with sheds and detached garages.
· A Manufactured Home’s entire structure is usually covered, while sheds and garages may require an optional policy.
· A Renters policy usually has no physical structure coverage at all, but it does provide essential liability and contents coverage.
Most Unfortunate Events are Covered
Most insurance companies offer coverage for the same events that may damage the structure of your home, including fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow, and a few others. View common and costly claims in your area - click here
Excluded Events are Named in the Policy
An agent can explain the events that would not be covered by your specific policy when it comes to your home’s structure. Typically, floods and earthquakes are excluded from basic policies, but you may be able to get insurance for those with separate policies. A few other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot and bacteria.