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ALL » Topics » Allstate Financial Distribution Channels, Products and Target Customers

This excerpt taken from the ALL 10-K filed Feb 25, 2010.

Allstate Financial Distribution Channels, Products and Target Customers

Distribution Channel
   Proprietary Products
   Target Customers

 
 
 
 
 
Allstate exclusive agencies
(Allstate Exclusive Agents and Allstate Exclusive Financial Specialists)		   Term life insurance
Interest-sensitive life insurance
Variable life insurance
Deferred fixed annuities (including indexed and market value adjusted "MVA")
Immediate fixed annuities
Bank products
    (Certificates of deposit, money market accounts, savings
    accounts, checking accounts and Allstate Agency loans)
Workplace life and voluntary accident and health insurance(4)		   Middle market(1), emerging affluent(2) and mass affluent consumers(3) with retirement and family financial protection needs

Independent agents
(through master brokerage agencies)
 
Term life insurance
Interest-sensitive life insurance
Variable life insurance
Deferred fixed annuities (including indexed and MVA)
Immediate fixed annuities
 
Emerging affluent and mass affluent consumers with retirement and financial protection needs

Independent agents
(as workplace enrolling agents)
 
Workplace life and voluntary accident and health insurance(4)
 
Middle market consumers with family financial protection needs employed by small, medium, and large size firms

Banks
 
Deferred fixed annuities (including indexed and MVA)
Single premium life insurance
 
Middle market and emerging affluent consumers with retirement needs

Broker-dealers
 
Deferred fixed annuities (including indexed and MVA)
 
Emerging affluent and mass affluent consumers with retirement needs

Structured settlement annuity brokers
 
Structured settlement annuities
 
Typically used to fund or annuitize large claims or litigation settlements

Broker-dealers
(Funding agreements)
 
Funding agreements backing medium-term notes
 
Institutional and individual investors
(1)
Consumers with $35,000-$75,000 in household income

(2)
Consumers with $75,000-$150,000 in household income

(3)
Consumers with greater than $150,000 in household income

(4)
Interest-sensitive and term life insurance; disability income insurance; cancer, accident, critical illness and heart/stroke insurance; hospital indemnity; limited benefit medical insurance; and dental insurance

       Allstate exclusive agencies and exclusive financial specialists also sell the following non-proprietary products in addition to Allstate Financial products: mutual funds, variable annuities, disability insurance, and long-term care insurance.

This excerpt taken from the ALL 10-K filed Feb 23, 2006.

Allstate Financial Distribution Channels, Products and Target Customers

Distribution Channel
   Primary Products
   Target Customers
Allstate exclusive agencies
(Allstate Exclusive Agents and Allstate Exclusive Financial Specialists)		   Term life insurance
Interest sensitive life insurance
Variable life insurance
Deferred fixed annuities (including indexed and market value adjusted "MVAA")
Immediate fixed annuities
Variable annuities
Cancer insurance
Bank products
(Certificates of deposit, money market accounts, savings accounts, checking accounts, first mortgage loans and home equity loans)
Workplace life and supplemental accident and health insurance (Interest sensitive and term life insurance; disability income insurance; cancer, accident, critical illness and heart/stroke insurance; hospital indemnity; limited benefit medical insurance; and dental insurance)		   Moderate and middle-income consumers with retirement and family financial protection needs

Independent agents
(Through master brokerage agencies)
 
Term life insurance
Interest sensitive life insurance
Variable life insurance
Deferred fixed annuities (including indexed and MVAA)
Immediate fixed annuities
Variable annuities
 
Affluent and middle-income consumers with retirement and family financial protection needs

Independent agents
(As workplace enrolling agents)
 
Workplace life and supplemental accident and health insurance (Interest sensitive and term life insurance; disability income insurance; cancer, accident, critical illness and heart/stroke insurance; hospital indemnity; limited benefit medical insurance; and dental insurance)
 
Moderate and middle-income consumers with family financial protection needs employed by small and medium size firms

Banks
 
Deferred fixed annuities (including indexed and MVAA)
Variable annuities
Single premium fixed life insurance
 
Middle-income consumers with retirement needs

Broker-dealers
 
Deferred fixed annuities (including indexed and MVAA)
Variable annuities
Single premium variable life insurance
 
Affluent and middle-income consumers with retirement needs

Structured settlement annuity brokers
 
Structured settlement annuities
 
Typically used to fund or annuitize large claims or litigation settlements

Broker-dealers
(Funding agreements)
 
Funding agreements backing medium term notes
 
Institutional and individual investors

6

This excerpt taken from the ALL 10-K filed Feb 24, 2005.

Allstate Financial Distribution Channels, Products and Target Customers

Distribution Channel
   Primary Products
   Target Customers
Allstate exclusive agencies
(Allstate Exclusive Agents and Allstate Exclusive Financial Specialists)		   Term life insurance
Interest sensitive life insurance
Variable life insurance
Fixed annuities (deferred)
Variable annuities
Long-term care insurance
Disability income insurance
Cancer insurance
Bank products
(Certificates of deposit, money market accounts, savings accounts, checking accounts, first mortgage loans and home equity loans)
Nonproprietary mutual funds
Workplace life and supplemental accident and health insurance (Interest sensitive and term life insurance; disability income insurance; cancer, accident, critical illness and heart/stroke insurance; hospital indemnity; limited benefit medical insurance; and dental insurance)		   Moderate and middle-income consumers with retirement and family financial protection needs

Independent agents
(Through master brokerage agencies)
 
Term life insurance
Interest sensitive life insurance
Variable life insurance
Fixed annuities (immediate and deferred, including indexed)
Variable annuities
Long-term care insurance
 
Affluent and middle-income consumers with retirement and family financial protection needs

Independent agents
(As workplace enrolling agents)
 
Workplace life and supplemental accident and health insurance (Interest sensitive and term life insurance; disability income insurance; cancer, accident, critical illness and heart/stroke insurance; hospital indemnity; limited benefit medical insurance; and dental insurance)
 
Moderate and middle-income consumers with family financial protection needs employed by small and medium size firms

Banks
 
Fixed annuities (deferred, including indexed)
Variable annuities
Single premium fixed life insurance
 
Middle-income consumers with retirement needs

Broker-dealers
 
Fixed annuities (deferred, including indexed)
Variable annuities
Single premium variable life insurance
 
Affluent and middle-income consumers with retirement needs

Structured settlement annuity brokers
 
Structured settlement annuities
 
Typically used to fund or annuitize large claims or litigation settlements

Broker-dealers
(Funding agreements)
 
Funding agreements backing medium term notes
 
Institutional and individual investors

5

EXCERPTS ON THIS PAGE:

10-K
Feb 25, 2010
10-K
Feb 23, 2006
10-K
Feb 24, 2005

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