Allstate (ALL)

Industry pools and facilities

       Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2009 and 2008 includes $1.17 billion and $1.11 billion, respectively, from the MCCA. The MCCA is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are $460 thousand per claim and $440 thousand per claim for the fiscal years ending June 30, 2010 and 2009, respectively.

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The MCCA is funded by assessments from member companies who, in turn, can recover assessments from policyholders.

       Ceded premiums earned under the Florida Hurricane Catastrophe Fund ("FHCF") agreement were $13 million, $26 million and $45 million in 2009, 2008 and 2007, respectively. Ceded losses incurred include $47 million, $28 million and $22 million in 2009, 2008 and 2007, respectively. The Company has access to reimbursement provided by the FHCF for 90% of qualifying personal property losses that exceed its current retention of $80 million for the two largest hurricanes and $27 million for other hurricanes, up to a maximum total of $212 million effective from June 1, 2009 to May 31, 2010. Reinsurance recoverables include $53 million and $36 million recoverable from the FHCF for qualifying property losses at December 31, 2009 and 2008, respectively.

       Allstate sells and administers policies as a participant in the National Flood Insurance Program ("NFIP"). The total amounts recoverable at December 31, 2009 and 2008 were $43 million and $138 million, respectively. Ceded premiums earned include $298 million, $257 million and $257 million in 2009, 2008 and 2007, respectively. Ceded losses incurred include $111 million, $344 million and $65 million in 2009, 2008 and 2007, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.

Industry pools and facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2008 and 2007 includes $1.11 billion and $1.02 billion, respectively, from the MCCA. The MCCA is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are $420 thousand per claim and $440 thousand per claim for the fiscal years ending June 30, 2008 and 2009, respectively. The MCCA is funded by assessments from member companies who, in turn, can recover assessments from policyholders.

        Ceded premiums earned under the Florida Hurricane Catastrophe Fund ("FHCF") agreement were $26 million, $45 million and $49 million in 2008, 2007 and 2006, respectively. Ceded losses incurred include $28 million, $22 million and $146 million in 2008, 2007 and 2006, respectively. The Company has access to reimbursement provided by the FHCF for 90% of qualifying personal property losses that exceed its current retention of $80 million for the two largest hurricanes and $27 million for other hurricanes, up to a maximum total of $398 million effective from June 1, 2008 to May 31, 2009. Reinsurance recoverables include $36 million and $47 million recoverable from the FHCF for qualifying property losses at December 31, 2008 and 2007, respectively.

        Allstate sells and administers policies as a participant in the National Flood Insurance Program ("NFIP"). The total amounts recoverable at December 31, 2008 and 2007 were $138 million and $22 million, respectively. Ceded premiums earned include $257 million, $257 million and $232 million in 2008, 2007 and 2006, respectively. Ceded losses incurred include $344 million, $65 million and $32 million in 2008, 2007 and 2006, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.

Industry pools and facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2008 and 2007 includes $1.11 billion and
$1.02 billion, respectively, from the MCCA. The MCCA is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The
retention levels are $420 thousand per claim and $440 thousand per claim for the fiscal years ending June 30, 2008 and 2009, respectively. The MCCA is funded by assessments from
member companies who, in turn, can recover assessments from policyholders.

        Ceded
premiums earned under the Florida Hurricane Catastrophe Fund ("FHCF") agreement were $26 million, $45 million and $49 million in 2008, 2007 and 2006,
respectively. Ceded losses incurred include $28 million, $22 million and $146 million in 2008, 2007 and 2006, respectively. The Company has access to reimbursement provided by the
FHCF for 90% of qualifying personal property losses that exceed its current retention of $80 million for the two largest hurricanes and $27 million for other hurricanes, up to a maximum
total of $398 million effective from June 1, 2008 to May 31, 2009. Reinsurance recoverables include $36 million and $47 million recoverable from the FHCF for
qualifying property losses at December 31, 2008 and 2007, respectively.

        Allstate
sells and administers policies as a participant in the National Flood Insurance Program ("NFIP"). The total amounts recoverable at December 31, 2008 and 2007 were
$138 million and $22 million, respectively. Ceded premiums earned include $257 million, $257 million and $232 million in 2008, 2007 and 2006, respectively. Ceded
losses incurred include $344 million, $65 million and $32 million in 2008, 2007 and 2006, respectively. Under the arrangement, the Federal Government is obligated to pay all
claims.

Industry Pools and Facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2007 and 2006 includes $1.02 billion and $1.02 billion, respectively, from the MCCA. The MCCA is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are $400 thousand per claim and $420 thousand per claim for the fiscal years ending June 30, 2007 and 2008, respectively. The MCCA is funded by assessments from member companies who, in turn, can recover assessments from policyholders.

        Ceded premiums earned under the Florida Hurricane Catastrophe Fund ("FHCF") agreement were $45 million, $49 million and $45 million in 2007, 2006 and 2005, respectively. Ceded losses incurred include $22 million, $146 million and $197 million in 2007, 2006 and 2005, respectively. The Company has access to reimbursement provided by the FHCF for 90% of qualifying personal property losses that exceed its current estimated retention of $172 million for the two largest hurricanes and $57 million for other hurricanes, up to an estimated maximum total of $905 million effective from June 1, 2007 to May 31, 2008. Reinsurance recoverables include $47 million and $70 million recoverable from the FHCF for qualifying property losses at December 31, 2007 and 2006, respectively.

        Allstate sells and administers policies as a participant in the NFIP. The total amounts recoverable at December 31, 2007 and 2006 were $22 million and $33 million, respectively. Ceded premiums earned include $257 million, $232 million and $199 million in 2007, 2006 and 2005, respectively. Ceded losses incurred include $65 million, $32 million and $3.30 billion, in 2007, 2006 and 2005, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.

Industry Pools and Facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2007 and 2006 includes $1.02 billion and $1.02 billion,
respectively, from the MCCA. The MCCA is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are
$400 thousand per claim and $420 thousand per claim for the fiscal years ending June 30, 2007 and 2008, respectively. The MCCA is funded by assessments from member companies who,
in turn, can recover assessments from policyholders.

        Ceded
premiums earned under the Florida Hurricane Catastrophe Fund ("FHCF") agreement were $45 million, $49 million and $45 million in 2007, 2006 and 2005,
respectively. Ceded losses incurred include $22 million, $146 million and $197 million in 2007, 2006 and 2005, respectively. The Company has access to reimbursement provided by
the FHCF for 90% of qualifying personal property losses that exceed its current estimated retention of $172 million for the two largest hurricanes and $57 million for other hurricanes,
up to an estimated maximum total of $905 million effective from June 1, 2007 to May 31, 2008. Reinsurance recoverables include $47 million and $70 million
recoverable from the FHCF for qualifying property losses at December 31, 2007 and 2006, respectively.

        Allstate
sells and administers policies as a participant in the NFIP. The total amounts recoverable at December 31, 2007 and 2006 were $22 million and $33 million,
respectively. Ceded premiums earned include $257 million, $232 million and $199 million in 2007, 2006 and 2005, respectively. Ceded losses incurred include $65 million,
$32 million and $3.30 billion, in 2007, 2006 and 2005, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.

Industry Pools and Facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2006 and 2005 include $1.02 billion and $1.04 billion, respectively, from the MCCA. The MCCA, established in 1978, is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are $375 thousand per claim and $400 thousand per claim for the fiscal years ending June 30, 2006 and 2007, respectively. The MCCA is funded by assessments from member companies who, in turn, can recover assessments from policyholders.

        Ceded premiums earned under the FHCF agreement were $49 million, $45 million and $37 million in 2006, 2005 and 2004, respectively. Ceded losses incurred include $146 million, $197 million and $703 million in 2006, 2005 and 2004, respectively. The Company has access to reimbursement provided by the FHCF for 90% of qualifying personal property losses that exceed its current estimated retention of $254 million for the two largest hurricanes and $85 million for other hurricanes, up to an estimated maximum total of $753 million effective from June 1, 2006 to May 31, 2007. Estimates of residential property losses for Hurricane Wilma in 2005 exceeded the Company's FHCF retention. Reinsurance recoverables include $70 million and $229 million recoverable from the FHCF for qualifying property losses related to the 2005 and 2004 hurricanes at December 31, 2006 and 2005, respectively.

        Allstate sells and administers policies as a participant in the NFIP. The total amounts recoverable at December 31, 2006 and 2005 were $33 million and $743 million, respectively. Ceded premiums earned include $232 million, $199 million and $181 million in 2006, 2005 and 2004, respectively. Ceded losses incurred include $32 million, $3.30 billion and $171 million, in 2006, 2005 and 2004, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.

Industry Pools and Facilities

        Reinsurance recoverable on paid and unpaid claims including IBNR at December 31, 2005 and 2004 include $1.04 billion and $831 million, respectively, from the Michigan Catastrophic Claim Association ("MCCA"). The MCCA, established in 1978, is a mandatory reinsurance mechanism for personal injury protection losses over a retention level that increases each MCCA fiscal year. The retention levels are $350 thousand per claim and $375 thousand per claim for the fiscal years ending June 30, 2005 and 2006, respectively. The MCCA is funded by assessments from member companies who, in turn, can recover assessments from policyholders.

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        Estimates of residential property losses for Hurricane Wilma in 2005 and Hurricanes Charley, Frances and Ivan in 2004 exceeded the Company's Florida Hurricane Catastrophe Fund ("FHCF") retention. Reinsurance recoverables include $229 million and $486 million recoverable from the FHCF for qualifying property losses related to these hurricanes at December 31, 2005 and 2004, respectively. Ceded premiums earned under this agreement were $45 million, $37 million and $35 million in 2005, 2004 and 2003, respectively. The Company has access to reimbursement provided by the FHCF for 90% of qualifying personal property losses that exceed its current estimated retention of $262 million for the two largest hurricanes and $87 million for other hurricanes, up to an estimated maximum total of $945 million.

        Allstate sells and administers policies as a participant in the National Flood Insurance Program ("NFIP"). The total amounts recoverable at December 31, 2005 and 2004 were $743 million and $27 million, respectively. Ceded premiums earned include $199 million, $181 million and $169 million in 2005, 2004, and 2003, respectively. Ceded losses incurred include $3.30 billion, $171 million and $64 million, in 2005, 2004, and 2003, respectively. Under the arrangement, the Federal Government is obligated to pay all claims.