Allstate(R) - Shiao-Wen Fan

	Shiao-Wen Fan		(408) 941-9838
	Allstate Personal Financial Representative

Planning Center / Financial Strength Ratings

Financial Strength Ratings

Allstate Insurance Company's financial strength and superior claims service are measures of stability that millions of customers rely on. You can be confident in our commitment to help you protect your assets, achieve your financial goals and provide superior service. Our high financial ratings mean you can have peace of mind knowing we'll be here for you today, tomorrow and into the future.

Financial Strength Rating Quote Customers count on outstanding financial strength and superior claim service to help protect what they value. Allstate Insurance Company's claim-paying ability is highly ranked by A.M. Best, Standard & Poor's and Moody's Investor Service.

A.M. Best
Allstate Insurance Company is rated A+ (Superior)
Allstate Life Insurance Company is rated A+ (Superior)
A.M. Best rates the financial strength of insurance companies and the security of holding companies' debt and preferred stock. More than merely passing judgment on past performance, a Best's rating gives an indication of how that company may be expected to perform in the future.

Standard & Poor's
Allstate Insurance Company is rated AA (Very Strong)
Allstate Life Insurance Company is rated AA (Very Strong)Standard and Poor's Insurer Financial Strength is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms.

Moody's Investors Service
Allstate Insurance Company is rated Aa2 (Excellent)
Allstate Life Insurance Company is rated Aa2 (Excellent)
Moody's insurance ratings and research provide global coverage of life, property and casualty, mortgage, and title insurers and reinsurers as well as financial guarantors.

Ratings are as of November 2004 and are subject to change.

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529 plans offer a flexible, tax-advantaged way to fund higher education. Money grows tax deferred and distributions are tax free, if used for qualified higher education expenses. Contribution limits vary by state.


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529 college savings plans vary by state, including contribution limits, state tax advantages, investment options and fees and expenses. You should carefully consider, before investing, whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's 529 college savings plan. Investment in 529 college savings plans grows tax-deferred, and distributions, if used for qualified higher education expenses, are federal tax-free. Please note that tax-free withdrawals for qualified higher education expenses are set to expire in 2011 unless the law is extended by Congress. Nonqualified withdrawals are subject to current ordinary income taxes and may be subject to an additional 10% federal tax penalty. Tax laws are subject to change and contributions and earnings may not be adequate to meet future educational expenses. Participation in a 529 college savings plan does not guarantee that contributions and earnings will be adequate to cover your child’s future college costs.

Contributions to Coverdell Education Savings Accounts are limited to $2,000 annually per designated beneficiary, and eligibility is tied to income. Earnings grow tax deferred, and distributions, if used for qualified education expenses, are federal tax-free. Nonqualified withdrawals are subject to current ordinary income taxes and may be subject to an additional 10% federal tax penalty. Tax laws are subject to change, and contributions and earnings may not be adequate to meet future educational expenses.

Allstate does not provide tax advice. Please consult your tax advisor for specific information.

Shiao-Wen Fan, California Insurance License Number 0D53277, is licensed to sell Allstate insurance products only in the state(s) of California. The material contained in this Web site is applicable only in the state of California.

This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

California Insurance License Name and Number: 0D53277 and FAN, SHIAO-WEN

Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.

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(03/15/2006)