Allstate Life Insurance Review [2024]
Allstate life insurance reviews are mixed. Some customers are loyal for life, and others are upset with how hard it is to get Allstate to honor the insurance riders you can add to your policy. With an A.M. Best and Better Business Bureau rating of A+, Allstate may be the right life insurance company for you.
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Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Founder & Life Insurance Agent
UPDATED: Nov 4, 2024
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- Allstate offers term, whole, and universal life insurance, with several add-on options
- Allstate doesn’t offer an online option for quotes, so you’ll need to speak with an agent if you are interested in prices
- A.M. Best gives Allstate an A, the Better Business Bureau gives it an A+, and J.D. Power ranks it near the national average for customer satisfaction
If you want to protect your family’s financial future, life insurance is one of the best investments you can make. The most common types of insurance people buy are term and whole life, but there are plenty of options to fit your needs.
Allstate sold its life insurance to Blackstone Insurance Solutions in 2021. You can still buy Allstate life insurance; it’s merely sold through other providers. Since the product information listed below is no longer sold under the Allstate name, you won’t be eligible for a bundling discount if you buy it.
Allstate has an impressive list of life insurance products to meet any need. From short-term plans to permanent universal coverage, Allstate’s insurance plans offer fantastic coverage options.
If you’re in the market for coverage, you should read reviews of Allstate Life Insurance to see if it might work for you. Then, compare quotes from as many companies as you can by entering your ZIP code into our free tool.
What types of insurance does Allstate sell?
Allstate sells four main types of life insurance: term, whole, universal, and variable universal. It also sells several different riders you can purchase to customize your plan. The insurance that you buy depends on your needs.(For more information, read our “Does Allstate offer life insurance“).
Term life is a popular choice because it’s more affordable than whole life plans. Since term life only lasts a set period, it’s best for new parents, people with outstanding debt, new homeowners, and people getting close to retirement.
Whole life is more expensive, but it allows you to lock in a price for the rest of your life. You’ll never have to worry about your policy expiring or passing a medical exam later after health concerns have developed. It also accrues cash value that you can use when you need to.
Universal insurance is another type of permanent life insurance with additional cash value interest.
If you decide Allstate is right for you, you’ll have plenty of options. (For more information, read our “Allstate New York Life Insurance Coverage Review“).
Term Life Insurance From Allstate
Term life is typically easy to understand, and Allstate’s is no exception.
Allstate offers term life plans in shorter periods of 10 years, all the way up to 30 years. You can buy a term life plan as long as you are between 18 and 80 years old. Allstate’s term life is level, meaning your death benefit and monthly payments won’t change for the entirety of the policy.
You can choose to convert your term policy into permanent coverage before it expires.
Whole Life Insurance From Allstate
Allstate is one of the biggest insurance providers in the country, but it only offers one type of whole life insurance. However, there are plenty of add-ons that can help you customize your plan.
You can buy a whole life plan if you are between the ages of 18 and 80. You can also buy a whole life plan for minors from infancy to 18. Coverage starts at $10,000, and you have several options for a payment plan.
- To age 121 (cheapest)
- To age 70
- 20-pay
- 10-pay
- Single pay
Each of these options gives you control over how you pay your insurance bill. For example, if you select 20-pay, your monthly bill will be split so that you pay for the entire policy in 20 years. Like term life, Allstate’s whole life has level payments.
Unlike term, whole life accrues cash value. You can borrow against that cash value for things like a down payment on a house or financial emergencies.
Universal and Variable Universal Life Insurance From Allstate
Universal life insurance can be tricky to understand, but it’s a permanent life insurance plan at its heart.
Allstate’s universal coverage starts at $50,000, while variable universal begins at $100,000. Both policies are available for ages 0 to 80. Like whole life, your death benefit and cash accumulation are tax-free.
One of the advantages of universal life is that your payments are flexible. If you put more money into your plan than the minimum payment calls for, you’ll earn more interest on your cash value.
The main difference between universal and variable universal is how they accrue value. The standard universal plan allows the owner to link the cash value to the performance of stock market index funds. However, you can only win or lose so much — both gains and losses are capped.
You can also adjust the death benefit to meet your financial needs as they change. You just need to make sure you pay enough each month.
Variable universal offers more choices for the owner. You can choose from multiple sub-accounts to invest your cash value in. There’s higher growth potential with variable universal, but more risk as well. Your policy won’t limit how much you can earn or lose.
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What add-ons does Allstate offer?
As you might expect from a large insurance company, Allstate offers a lot of add-ons you can purchase to customize your plan.
| Add-on | Term | Whole | Universal |
|---|---|---|---|
| Terminal illness accelerated benefit | Yes | Yes | Yes |
| Disability waiver of premium | Yes | Yes | Yes |
| Children's Term | Yes | Yes | Yes |
| Primary insured term | Yes | Yes | No |
| Additional insured term | Yes | No | No |
| Accidental death | Yes | Yes | Yes |
| Chronic Illness Accelerated benefit | No | Yes | Yes |
| Guaranteed insurability | No | Yes | Yes |
| Paid-up | No | Yes | Yes |
| Overloan protection | No | No | Yes |
As you can see, Allstate earns its reputation for having a top-notch variety of life insurance choices.
How much does Allstate life insurance cost?
Allstate insurance prices are about the same as the national average for life insurance. While your price will vary based on your unique factors, you can get an idea of what your insurance will cost by looking at averages.
| Plan details | Term | Whole | Universal |
|---|---|---|---|
| Coverage | $250,000 | $250,000 | $250,000 |
| Term | 20 years | Permanent | Permanent |
| Annual price | $295.68 | $1,737.12 | $3,724.92 |
Remember that your insurance rates will change when you enter your specifics for a quote. You can check this with the Allstate life insurance calculator.
Allstate Insurance Reviews
Allstate has a reputation for solid customer service, affordable rates, and a massive list of coverage options. However, the true test of a company is its reviews.
Allstate gets great ratings from professional rating companies. For example, A.M. Best rates Allstate’s financial security as an A+ (superior). The Better Business Bureau lists Allstate as an A+, but thousands of complaints are listed on the site.
Customer reviews are mixed. Some customers love Allstate for its service, rates, and ease of access. Customers appreciate that they can access their accounts with a simple Allstate life insurance login.
However, there are many angry customers who write reviews about Allstate. Customers claim that Allstate lags on paying for add-ons that allow you to access your benefit if you become chronically ill.
Customers aren’t thrilled about Allstate’s lack of online options for getting quotes. However, they do enjoy the fact that most other aspects of their life insurance can be accessed online.
To get a quote, you can speak with an agent by phone or visit any Allstate address to get more information directly.
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Is Allstate a good insurance company?
Is Allstate a good insurance company? As one of the biggest providers in the country, Allstate is a good insurance company for many reasons. A.M. Best ranks its financial stability as superior, and the Better Business Bureau gives it an A+. However, Allstate is plagued with customers who are unsatisfied with high rates and poor claims resolution.
Allstate is one of the most famous insurance companies in the country, and millions of Americans trust them for their coverage needs.
While auto insurance is their most famous product, Allstate offers much more than that. As its name suggests, Allstate agents are located in almost every corner of the country.
As a bonus, you can get most of your insurance needs covered by Allstate. With car, home, renters, and many other types of insurance, Allstate is a one-stop shop.
Is Allstate a good insurance company? It depends on your circumstances, but it usually offers comparable prices to those of its competitors. To find out if Allstate is your most affordable option for insurance, you should compare prices with other companies. Enter your ZIP code into our free tool to discover what quotes might look like for you.
Is Allstate a good insurance company?
Founded in 1931, Allstate has become one of the largest insurance companies in America by offering a wide range of services. Auto insurance is the area in which Allstate shines. With a long list of coverage options, policy add-ons, and discounts, there’s something for almost everyone.
However, Allstate excels with other insurance products as well. With approximately 16 million customers, Allstate maintains a substantial portion of the insurance market.
However, those 16 million customers aren’t all happy with the product they purchase. With higher rates than competitors, unsatisfying customer service experiences, and a difficult claims process, Allstate doesn’t have the best reputation.
How is Allstate insurance rated?
Professional reviewing companies tend to speak well of Allstate.
A.M. Best rates Allstate an A+, indicating that they have superior financial strength. What does that mean for customers? A superior financial rating means that you don’t need to worry about your claims being paid.
J.D. Power rates insurance companies by overall satisfaction and notes that Allstate performs slightly above the national average. Allstate ranks 10 out of 21 companies for homeowners insurance, while it consistently scores below average for car insurance satisfaction.
Finally, the Better Business Bureau gives Allstate an A+ rating, although they have numerous customer complaints on the site.
Unfortunately, Allstate has a multitude of unhappy customers. The chief complaints are that rates are much higher than competitors and that Allstate is hesitant to pay out claims.
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How is Allstate’s car insurance?
You can purchase the traditional types of insurance through Allstate: liability, comprehensive, and collision. They also offer a wide range of additional coverage choices that you can add to your plan:
- Safe driving reward – This special bonus program rewards you money back for every six months that you remain accident-free.
- Roadside assistance – If you find yourself stranded on the side of the road, this add-on will help you get moving again. From jumpstarts to tows, roadside assistance covers it all.
- Accident forgiveness – It’s a fact of life — accidents happen. If you’re worried about an accident in the future, you can purchase this add-on to eliminate your first accident from your insurance record.
- New car replacement – Totaling a car is never fun, but it’s especially painful when you’ve just bought a new vehicle. However, you can purchase protection to replace your new car if you total it during the first two years of its life.
- Deductible rewards – Allstate wants to reward you for good driving. For every year you go without driving violations, they’ll reduce your deductible by $100 without changing your rates. Your deductible can decrease by up to $500.
- Custom equipment – If you buy aftermarket parts for your car, standard insurance won’t cover them. This add-on will replace your parts if they are damaged or stolen.
Allstate also offers rideshare insurance for drivers who work for companies like Uber. If you use your vehicle for business purposes, you usually need to obtain a commercial plan for your vehicle. However, the growing popularity of rideshare services is prompting insurance providers to create more affordable alternatives.
Ride for Hire coverage from Allstate is an excellent alternative to purchasing a complete commercial auto insurance plan. Rather than purchasing a separate policy, you can add rideshare coverage to an existing car insurance policy.
Allstate’s Ride for Hire isn’t available in every state, so check with an agent if you want to sign up.
Allstate Auto Insurance Discounts
Like most other insurance companies, Allstate offers several discounts — including the following — to help you save money:
- Bundling
- Anti-lock brakes
- New car
- Good driver
- Good student
- Anti-theft device
- Early signing (at least seven days before your policy goes into effect)
- Paid-in-full
- Paperless bills
- Automatic payments
Most of these discounts combine with the others, allowing you to save a lot of money. Ask an Allstate agent to check the amount of discounts for which you’re eligible.
Is Allstate a good home insurance company?
Despite being known for car insurance, Allstate’s home insurance receives higher customer reviews.
Allstate offers all the usual standard home insurance options and a few specialized add-ons:
- Dwelling – This part of your insurance covers the actual structure of your home, including your roof. It covers damage from weather, fire, theft, and vandalism. Protection extends to other structures on your property, like freestanding garages, pools, and fences.
- Earthquake – Since earthquakes aren’t a high risk for every area in the country, it’s not included in the standard plan. However, if you live in an earthquake-prone area, this coverage is a good idea. Check with your Allstate agent to determine if earthquake insurance is available in your area.
- Flood – Similar to earthquake insurance, flood coverage isn’t included in a standard plan. If your home is located in a flood zone, you can save yourself thousands of dollars in repair costs by choosing this add-on.
- Liability – If a guest is injured on your property and the injury is deemed your fault, you can be sued. In that instance, liability protection helps compensate you for legal bills. You can select the standard amount of liability, or you might be able to purchase additional coverage.
- Personal umbrella – If you’re concerned about the amount of liability coverage you have, umbrella coverage can help. Umbrella insurance takes over once you’ve reached the liability coverage limit.
- Guest medical – While liability covers your legal fees, guest medical insurance will help pay for the injured person’s medical expenses. From dental work to emergency room visits, Allstate will cover it all.
- Personal property – This coverage protects the things you own, like electronics, appliances, furniture, and clothing. If your home contains valuable possessions, such as antiques, jewelry, or musical instruments, you should consider buying more coverage.
- Scheduled personal property – If you have items in your home that are worth a considerable amount of money, you can purchase additional coverage for them after they’ve been appraised.
- Sports equipment and musical instruments – As high-priced items, you can purchase coverage for equipment that you or your family uses for sports or music.
Allstate also offers coverage for business items, like landscaping, green improvements, and identity theft. It’s also the first major insurance provider to offer insurance if you share your home.
HostAdvantage is an add-on for people who rent their home through sites like Airbnb. This coverage takes effect whenever a temporary renter is in your home and protects you against theft and damage.
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Allstate Home Insurance Discounts
Allstate has a stellar list of insurance options for home coverage, and they match it with numerous discounts like these:
- Protective devices
- Automatic payments
- Claim-free
- Bundling policies
- Early signing
- New home and recent home buyer
- Good payment history
- Welcome/loyalty
An insurance agent will determine what discounts you’re eligible for to ensure that you save as much money as possible.
What other insurance can you buy from Allstate?
Home and auto insurance are Allstate’s most popular products, but it has a lot more than that available. As an Allstate customer, you can also purchase the following types of coverage:
- Renters
- Condo
- Motorcycle
- Business
- Life (term and permanent)
- Identity
- Boat
- Motorhome
- Phone
- Pet
- Event
- Landlord
- ATV
- Snowmobile
As you can see, Allstate can provide you with almost any type of insurance you need. Don’t forget — if you purchase more than one policy, you’ll qualify for Allstate’s bundling discount.
Get Allstate Insurance Quotes Today
Although Allstate offers a wide variety of insurance products, the company has a lot of unhappy customers. A frustrating claims process mixed with higher-than-average prices have left many customers looking elsewhere.
However, there are a numerous benefits to this company. The best way to answer the question, “Is Allstate a good insurance company?,” is to compare quotes with other providers. Enter your ZIP code into our free tool to determine what rates might look like for you.
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Find Allstate Life Insurance Rates That Work for You
Life insurance is one of the best ways to protect your family’s future, but it’s a significant investment. You’ll be paying for your insurance for a long time, so it’s vital that you choose the right company. With Allstate’s long list of insurance options and add-ons, you can probably find what you need.
Now that you’ve read Allstate life insurance reviews, you probably have an idea of whether this company is right for you. However, you should always compare companies to ensure you get the best price. Enter your ZIP code into our free tool to see what rates might look like for you.
Comprehensive Review of Allstate Insurance Products
Overview of Allstate Insurance
Allstate Insurance is a prominent name in the insurance industry, offering a wide range of coverage options to meet diverse needs. This review covers various aspects of Allstate’s insurance products, including life, auto, business, and home insurance, as well as customer feedback and company ratings.
Allstate Life Insurance
Allstate Life Insurance Quotes
When seeking life insurance, it’s essential to obtain accurate quotes to compare with other providers. Allstate offers competitive rates for different types of life insurance policies.
Allstate Whole Life Insurance Reviews
Allstate’s whole life insurance is designed for those seeking lifelong coverage with a cash value component. Reviews generally highlight the policy’s reliability and the company’s strong financial stability.
Allstate Auto Insurance
Allstate Auto Insurance Review
Allstate’s auto insurance policies are noted for their comprehensive coverage options and customer service. The review often includes feedback on claim handling and overall satisfaction.
Allstate Auto Insurance Calculator
To estimate your auto insurance costs, Allstate provides an auto insurance calculator. This tool helps potential customers understand their potential premiums based on their personal details and coverage preferences.
Allstate Business Insurance
Allstate Business Insurance Review
Allstate offers tailored business insurance solutions designed to protect companies from various risks. Reviews focus on the range of coverage options and customer support.
Allstate Home and Property Insurance
Allstate Home Insurance Review
Allstate’s home insurance policies are designed to provide comprehensive coverage for homeowners. Reviews typically cover the breadth of coverage options and customer service experiences.
Allstate Earthquake Insurance
For those living in earthquake-prone areas, Allstate offers specialized earthquake insurance to safeguard against seismic damage.
Allstate Flood Insurance Quote
Allstate provides flood insurance quotes to help protect homes and businesses from water damage. This insurance is crucial for areas prone to flooding.
Customer Feedback and Company Ratings
Allstate Customer Reviews
Customer reviews of Allstate cover experiences with various insurance products, including life, auto, and home insurance. These reviews provide insight into overall customer satisfaction.
Allstate reviews on Google
Google reviews offer a snapshot of customer opinions and experiences with Allstate across different insurance services.
Allstate’s A.M. Best rating
The AM Best rating reflects Allstate’s financial strength and stability. A high rating indicates a strong ability to meet policyholder obligations.
Additional Coverage Options
Allstate Deductible Rewards
Allstate offers a Deductible Rewards program that allows policyholders to earn rewards for safe driving, which can reduce their deductible.
Allstate Good Life
The Good Life program is designed to offer additional benefits and discounts for policyholders, enhancing their overall insurance experience.
Related Insurance Calculators
Allstate Insurance Calculator
An insurance calculator provided by Allstate helps estimate premiums and coverage options for different types of insurance, making it easier for customers to plan and budget.
Comparative Reviews of Insurance Providers
When considering insurance options, it’s crucial to review and compare different providers to find the best fit for your needs. Here’s a brief look at reviews for some major insurance companies:
- Aflac Life Insurance Reviews: Aflac is well-regarded for its supplemental life insurance policies. Reviews often highlight the company’s quick claim process and customer support.
- Allstate Insurance Reviews: Allstate offers a wide range of insurance products, from life to auto coverage. Overall reviews are positive, focusing on the company’s comprehensive coverage options and customer service.
- Allstate Car Reviews: For those considering Allstate for their auto insurance needs, reviews frequently discuss the company’s competitive rates and customer satisfaction.
- Allstate Car Buying Service Reviews: Allstate’s car buying service receives mixed reviews, with users appreciating the convenience but noting varying experiences in the purchasing process.
- Allstate Health Insurance Reviews: Allstate’s health insurance policies are reviewed for their broad coverage options and the company’s responsiveness to claims and customer inquiries.
These reviews provide valuable insights into the strengths and areas for improvement for each provider, helping you make an informed decision.
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Comprehensive Review of Allstate Insurance Products and Services
Allstate Insurance offers a range of insurance products and services tailored to various needs. This guide reviews Allstate’s offerings, including life insurance, pet insurance, and roadside assistance, and provides insights into their ratings and customer reviews.
Allstate Insurance Company Ratings
Allstate Insurance Company is well-regarded for its broad range of insurance products. The company’s ratings reflect its performance in customer service, claim handling, and financial stability.
- Overall Ratings: Allstate generally receives high marks from independent rating agencies for its financial strength and customer satisfaction.
- Customer Service: The company is noted for its responsive customer support and efficient claims processing.
Allstate Life Insurance Policies
Allstate offers various life insurance policies to suit different needs and budgets.
Types of Life Insurance Policies
- Term Life Insurance with Allstate: Provides coverage for a specific period, typically with lower premiums compared to whole life insurance.
- Whole Life Insurance with Allstate: Offers lifelong coverage with a savings component that builds cash value over time.
- Universal Life Insurance: A flexible policy allowing adjustments to premiums and coverage amounts.
Allstate Life Insurance Prices
- Cost of Term Life Insurance: Generally lower, depending on the policy term and coverage amount.
- Cost of Whole Life Insurance: Higher due to the cash value component and lifelong coverage.
Allstate Life Insurance Death Claim
Filing a death claim with Allstate involves several steps:
- Notification: Inform Allstate of the policyholder’s passing.
- Documentation: Submit necessary documents, including the death certificate and policy details.
- Claim Processing: Allstate reviews the claim and issues the payout based on the policy terms.
Allstate Pet Insurance Review
Allstate provides pet insurance to cover veterinary expenses. Reviews often highlight:
- Coverage Options: Includes accidents, illnesses, and sometimes wellness care.
- Claim Process: Generally straightforward, with positive feedback on reimbursement times.
Allstate Renters Insurance Review
Allstate’s renters insurance protects personal property and liability. Reviews typically focus on:
- Coverage: Includes protection against theft, fire, and liability claims.
- Cost: Competitive pricing with customizable coverage options.
Allstate Rideshare Insurance
Designed for drivers working with rideshare services, Allstate’s rideshare insurance covers:
- Coverage: Includes personal and commercial vehicle use.
- Reviews: Generally favorable for providing comprehensive coverage for rideshare drivers.
Allstate Roadside Assistance Reviews
Allstate offers roadside assistance for emergencies like flat tires and dead batteries. Reviews often highlight:
- Service Quality: Timely and reliable assistance.
- Customer Support: Efficient and helpful in emergencies.
Allstate Short-Term Disability Reviews
Allstate’s short-term disability insurance provides income protection if you are temporarily unable to work. Reviews include:
- Coverage: Short-term benefits for disabilities that prevent you from working.
- Customer Feedback: Generally positive for prompt claim processing and support.
Allstate Umbrella Policy Reviews
An umbrella policy offers extra liability coverage beyond standard policies. Reviews often note:
- Coverage Limits: Provides additional protection against large claims.
- Value: Cost-effective for those needing higher liability limits.
Allstate Insurance for 18-Year-Olds
Allstate provides insurance options for young drivers, including:
- Auto Insurance: Coverage tailored for new drivers, often with higher premiums.
- Discounts: Potential discounts for good grades and safe driving courses.
Best Term Life Insurance Companies Reviews
Comparing Allstate with other top term life insurance providers helps identify:
- Coverage Options: Variability in policy terms and benefits.
- Customer Satisfaction: Ratings and reviews of customer experiences.
Buy Allstate Insurance Online
Allstate offers online purchasing for various insurance products:
- Convenience: Easy access to quotes and policy management.
- Process: User-friendly interface for obtaining quotes and buying insurance.
National Family Life Insurance Reviews
National Family Life Insurance offers coverage options similar to those of Allstate:
- Policy Options: Includes term and whole life insurance.
- Customer Feedback: Reviews may highlight differences compared to Allstate.
Protective Allstate
Protective Allstate refers to Allstate’s efforts to provide comprehensive protection through its insurance products:
- Range of Products: Includes life, auto, and home insurance.
- Customer Assurance: Emphasis on reliable coverage and support.
Overview of Allstate Life Insurance Options
When considering life insurance, Allstate offers a variety of options tailored to different needs. For those interested in Allstate Life Insurance Company of New York, this branch provides comprehensive coverage options available through an Allstate quote online.
Types of Life Insurance Available
- Allstate Term Life Insurance: Provides coverage for a specific period, offering affordable premiums with straightforward benefits.
- Allstate Universal Life Insurance: A flexible policy allowing adjustments to both premiums and coverage amounts to suit changing needs.
Frequently Asked Questions
Is Allstate life insurance good?
Yes, Allstate is considered a reputable provider of life insurance. They offer a range of policies with competitive features and strong customer support, generally receiving positive reviews for their reliability and comprehensive coverage options.
Does Allstate offer life insurance?
Yes, Allstate provides life insurance, including term, whole, and universal life policies, allowing customers to choose coverage that fits their needs and financial goals.
How good is Allstate insurance?
Allstate is well-regarded for its insurance services, including life insurance. Known for reliable coverage and good customer service, it holds a strong position in the industry with favorable consumer and expert ratings.
How much is Allstate life insurance?
The cost of Allstate life insurance varies based on factors like policy type, coverage amount, and personal details. Term life insurance typically starts around $20 to $50 per month, while whole life insurance is usually more expensive. A personalized quote from Allstate will provide a more accurate cost.
Is Allstate a good life insurance company?
Yes, Allstate is a good life insurance company. It is recognized for its reliable coverage, competitive pricing, and strong customer service, making it a favorable choice for many policyholders.
What is Allstate’s insurance rating?
Allstate generally receives high ratings from agencies like A.M. Best, which often rates them as “A+” (Superior), reflecting their strong financial stability and ability to meet insurance obligations.
What types of insurance does Allstate offer?
Allstate offers a variety of insurance types, including life, auto, home, business, and health insurance, along with other options like umbrella policies and travel insurance.
Who has purchased Allstate life insurance?
Allstate life insurance is purchased by a broad range of individuals seeking to protect their families and secure their financial future, including those looking for affordable term coverage or more flexible options like whole or universal life insurance.
