Allstate(R) - Thor Yarabek

	Thor Yarabek		(321) 255-2727
	Allstate Personal Financial Representative

Planning Center / High Ethical Standards

High Ethical Standards

Allstate prides itself on its commitment to honesty, fairness and integrity in all customer contacts. That's why Allstate Life is a member of the Insurance Marketplace Standards Association (IMSA), which means we're dedicated to maintaining high ethical standards in the way we advertise, sell and service our products. With Allstate, you can rest assured you'll receive the information and support you need to make the right decisions.

IMSA Logo Insurance Marketplace Standards Association
The life insurance companies owned by Allstate are members of the Insurance Marketplace Standards Association (IMSA), which maintains high ethical standards for advertising, sales and service in the life insurance marketplace.

IMSA is a voluntary membership organization of life insurers. Its central goal is to maintain high ethical standards for advertising, sales and service in the life insurance marketplace.

Member companies have adopted policies and procedures that demonstrate a commitment to honesty, fairness and integrity in all customer contacts involving sales and service of individually sold life insurance and annuity products.

Which of the Allstate Companies Are Members of IMSA?
All of the life insurance companies in the Allstate group are members of IMSA. So, look for the IMSA logo on materials from each of the following companies:

Allstate Life Insurance Company
Allstate Life Insurance Company of New York
Lincoln Benefit Life Company
Surety Life Insurance Company

What Do IMSA Standards Mean to a Consumer?
The IMSA standards are designed to help assure a consumer that Allstate Life continues to commit itself to honesty, fairness and integrity in all customer contacts involving the sale and servicing of individual life insurance and annuities. As part of that commitment, we want our customers to know that we carefully monitor the sales process, its employees and agents on a regular basis. Allstate Life has developed policies and procedures to assure that customers receive information they need to make decisions about purchasing and/or replacing policies. Allstate Life also maintains a system to respond expeditiously to customer concerns and complaints.

What Are Some of the Standards Companies Must Meet to Become Members of IMSA?
In adhering to the IMSA standards, a company must:

Maintain policies and procedures that demonstrate a commitment to honesty, fairness and integrity in all customer contacts involving sales and services for individual life insurance and annuity products.
Emphasize to all employees and agents the concepts of ethical market conduct through ongoing communications programs.
Review its advertising materials regularly to assure that they’re honest and clear.
Examine its sales materials continually to see that they're current, accurate and in accordance with current laws and regulations.
Monitor the sales process carefully, on a regular basis, and obtain and respond to customer feedback.
Engage in fair competition consistent with state and federal laws, and communicate this practice to employees and agents involved in the sales process.

What Types of Companies and Products Are Evaluated by IMSA?
To address major concerns of consumers in recent years, IMSA was created by and for life insurers. Its focus is on individual life insurance and annuities. While its scope may broaden in the future, IMSA does not currently include claims, underwriting or product development activities or other product lines.

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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.

Thor Yarabek is licensed to sell Allstate insurance products only in the state(s) of FL. The material contained in this Web site is applicable only in the state of FL. If you do not reside in the state(s) of FL, please go to the Find an Agent section on allstate.com to search for another Allstate representative.

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.

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)