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05/12/2005 – NORTHBROOK, Ill.Several Retirement Surveys, Such As The Annual Allstate “Retirement Reality Check

05/12/2005 – NORTHBROOK, Ill.Numerous retirement surveys, such as the annual Allstate “Retirement Reality Check” survey, have shown that Americans no longer think of retirement as a time to truly retire. A lot of Americans are starting to re-shape what retirement looks like – for instance, operating part-time in their “retirement.”But though retirees and Baby Boomers are working on re-shaping retirement, are their retirement assets keeping up with their altering demands? Namely, are these retirement assets allowing retirees to capitalize on marketplace upswings and/or withdraw their retirement income if they require it? And are retirees even deciding upon investments that will support to meet their retirement goals?To help buyers with these dilemmas, Lincoln Benefit Life Business, an Allstate Company, has updated its Consultant Solutions Flexible Premium Deferred Variable Annuity Item Suite with new benefit functions that can enable prospects to develop, get pleasure from or share their retirement assets.1 compelling function, the SureIncome Withdrawal Benefit Alternative, makes it possible for shoppers to access their funds, as much as eight percent of the principal per year, when nonetheless permitting for investment growth. SureIncome, an choice that is readily available for an additional fee, will also guarantee that prospects will not wind up with less than their original investment, which assures predictable withdrawals ought to the market place decline. But if the market rises, the customer can lock in a higher guarantee immediately after five years.”Product alternative flexibility may be the key in meeting the altering requirements of today’s and tomorrow’s retirees,” explains John Lounds, senior vice president in product management, Allstate Life Insurance Business. “In today’s world, it is no longer about saving sufficient capital for retirement; Americans should get to the heart of the matter – which is saving enough to truly meet their objectives for their retirement.”However, receiving towards the point exactly where a consumer can even have sufficient retirement income to withdraw is also a dilemma for numerous Americans. Many individuals are nonetheless unsure that the investments they decide on are going to meet their individual retirement goals. For instance, within the 2004 Allstate “Retirement Reality Check” survey, over half of Baby Boomers surveyed agreed using the statement that picking out the proper investment is actually a challenge for them.To answer this call for help, the revised variable annuity item now includes the TrueBalance Asset Allocation Program, which helps customers invest their capital in a way which will meet their own individual investment style – no matter if they are a conservative, moderate or aggressive investor – or variations in among.This new function, out there at no further price, was developed in collaboration with Standard & Poor’s® Investment Advisory Services, LLC, 1 of Wall Street’s providers of independent investment data. TrueBalance provides 5 Model Portfolios to suit a range of investment styles based on an already completed analysis of the subaccounts, or investment options, offered by Consultant Solutions. Within each Model Portfolio is a mix of subaccounts that are allocated to help meet a customer’s diversification, risk tolerance and investment objectives.According to Lounds, revising the Consultant Solutions item is also in line with what is currently going on in the retirement industry. “Many employers are starting to offer asset allocation to employees as well because it is clear Americans will need more assist in saving for retirement. Asset allocation models genuinely support to take the guesswork out of picking out investment options that will support individuals increase or maintain their savings.”All together, Consultant Solutions includes several optional benefit features that can help individuals develop their retirement savings, enjoy what they’ve earned and share what they’ve accumulated with beneficiaries within the event of their death.”These days individuals want their retirement assets to continue to grow, because numerous retirees are working past retirement age,” explains Lounds. “They’re also looking for the possibility of a guaranteed regular income stream they won’t outlive, that is a major fear of retirement we have learned through our retirement surveys; so we offer an income protection benefit. Finally, quite a few retirees or soon-to-be retirees truly want the ability to pass their hard-earned retirement monies to their beneficiaries if they are not able to use them during their lifetime.”Other benefit capabilities readily available within the Consultant Solutions Flexible Premium Deferred Variable Annuity for added charges include: * TrueReturn Accumulation Benefit Option- Offers an individual growth potential by guaranteeing the initial principal and possibly even more -up to 250 percent of initial deposits, depending on the choice and timeframe selected. * Income Protection Benefit- Provides a guaranteed minimum level of income for as long as the client lives, regardless of marketplace performance. * Spousal Protection Benefit – Enables for spouses to be co-annuitants under one IRA contract, which will benefit a surviving spouse need to one pass away. TrueBalance can be combined with any of the optional benefits, which includes the SureIncome Withdrawal Benefit or TrueReturn Accumulation Benefit options.”As more people today get closer to retirement, they realize they can’t wait out the highs and lows of the stock market place,” explains Lounds. “Variable annuities, and in particular Consultant Solutions, have characteristics that may provide shoppers the ability to ease back into the market so they can capitalize on any upswings, when still providing some guarantee on their investments.”The revised Consultant Solutions Flexible Premium Deferred Variable Annuity Item Suite is offered via Allstate agents and independent registered representatives appointed to sell Lincoln Benefit Life Business products. Allstate agents and independent financial representatives may obtain more information and a prospectus by registering and logging onto http://www.accessallstate.com.Variable annuities are long-term investments designed for retirement purposes. A consumer should really carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before purchasing a contract or investing funds. These contracts have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, contract capabilities, the underlying portfolios, fees, charges, expense and other pertinent information. A consumer should read the prospectus carefully before purchasing a contract or sending dollars.Guarantees are based on the claims paying ability of Lincoln Benefit Life Business.The Consultant Solutions Variable Annuity is issued by Lincoln Benefit Life Firm and underwritten by ALFS, Inc. Lincoln Benefit Life Corporation and ALFS are whole owned subsidiaries of Allstate Life Insurance Corporation.Lincoln Benefit Life, an Allstate Firm, sells variable and fixed annuities, variable and fixed life insurance, as well as long-term care insurance.For more than 65 years, Lincoln Benefit Life Business has been an innovator in bringing insurance and annuity products to policyholders nationwide. Lincoln Benefit Life was acquired in 1984 by the Allstate Life Insurance Company specifically for its ability to develop competitively priced insurance and annuity products for distribution through independent agents. By the end of 2004, the organization had $211.3 billion of life insurance in force and more than $13.4 billion in assets under management. And its financial strength and ability to meet its obligations to policyholders are reflected in the high rankings it has received by independent analysts. Lincoln Benefit Life prides itself on its ability to provide exceptional products and service to its clients.Allstate created the fourth annual Allstate “Retirement Reality Check” survey in conjunction with Mathew Greenwald & Associates. Using a random digit dialing methodology, Greenwald & Associates polled 1,604 people today born among 1946 and 1978, with household incomes of $35,000 and more. Retirees were accepted with incomes of at least $20,000. The margin of error (at the 95 percent confidence level) for the total number of respondents in this study is ±2.5 percent, ±3.8 percent for information specific to Gen Xers, ±4.5 percent for Baby Boomers, and ±5.0 for Silent Generation.The Allstate Corporation (NYSE: ALL) is the nation’s largest publicly held personal lines insurer. Widely known through the “You’re In Good Hands With Allstate®” slogan, Allstate assists individuals in approximately 17 million households protect what they have today and better prepare for tomorrow through approximately 13,600 exclusive agencies and financial professionals inside the U.S. and Canada. Shoppers can access Allstate products and services such as auto insurance and homeowners insurance through Allstate agencies, or in select states at allstate.com and 1-800 Allstate®. EncompassSM and Deerbrook® Insurance brand property and casualty products are sold exclusively through independent agents. Allstate Financial Group provides life and supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite shoppers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers.FOR MORE INFORMATION:Rebecca Hirsch, Media Relations, (847) 402-5600

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