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05/13/2008 – NORTHBROOK, ILAllstate These Days Introduced An Innovative New Retirement Solution-designed To Enhance Consumers’ Retirement Investments Having A

05/13/2008 – NORTHBROOK, ILAllstate currently introduced an innovative new retirement solution-designed to boost consumers’ retirement investments having a new product that gives the opportunity to receive guaranteed lifetime income combined with certain Clear Target Funds.By combining the Allstate ClearTargetSM Retirement Funds with Allstate® Guaranteed Lifetime Income1, the company’s goal would be to support middle-market Americans save much more funds for retirement and support ensure that those retirees have the chance to have guaranteed income payments for the rest of their lives. Guarantees are topic towards the claims paying capacity of the issuer.Today’s announcement comes at a time when recent national studies show record low U.S. retirement savings, anxiety over industry downturns eroding retirement savings, and frustration about complex financial info that creates greater barriers to investing in retirement savings.”Our consumers are hard working Americans with enormous day-to-day demands on their pocketbooks and on their time,” stated Jim Hohmann, president and CEO of Allstate Economic, a company unit of the Allstate Corporation. “They tell us they are seeking for simple retirement savings solutions that give flexibility and access to their cash.”The Allstate® ClearTargetSM Retirement Funds are a target date mutual fund item that automatically rebalances as buyers strategy their retirement date. The new companion product, Allstate® Guaranteed Lifetime Income1, assists assure customers guaranteed income payments for as long as they live.The Allstate® ClearTargetSM Retirement Funds shift the burden of investment decisions to professionals who cautiously monitor and automatically diversify the investment mix. And as a consumer’s retirement date approaches, these investment pros gradually move the investment mix from a far more aggressive portfolio into a extra conservative blend of stocks, bonds and short-term investments. Diversification will not ensure a profit or protect against a loss in a declining market place.When Allstate Guaranteed Lifetime Income is added, shoppers have additional protection against outliving their income (presently out there only on the 2005, 2010, and 2015 funds). This item assists make certain an income stream for the life of shoppers really should the mutual fund account be depleted as a result of withdrawals taken under the terms of the Allstate® Guaranteed Lifetime Income certificate. This product, which is offered to individuals age 50-80 years-of-age, can be a contingent deferred annuity that adds a possible level of protection to pick ClearTarget funds to assist guarantee shoppers can get lifetime income for so long as they live.An Allstate ClearTargetSM Retirement Fund may be opened for an initial investment of $2,500 or far more. It presents diversification in a single fund, which assists simplify the decision-making procedure for retirement2. The client just requirements to choose the year and how much cash they would like to invest.”Allstate’s network of approachable, licensed personal financial representatives can assist consumers use this straightforward retirement approach to either get their retirement savings began or make one of the most of current savings,” mentioned Hohmann.”For 75 years households have trusted Allstate to help defend their autos, homes, and futures. These products we’ve introduced at this time were developed to broaden our portfolio of retirement solutions and improve our capability in aiming to shield the future for our shoppers,” mentioned Hohmann. “Our concentrate would be to reinvent protection and retirement for the consumer.”AllianceBernstein, 1 of the world’s largest publicly traded global asset management firms and Allstate Investment Management Business (AIMCO) subadvise the investment pools that make up the Allstate ClearTarget funds.Allstate is launching the ClearTargetSM Retirement Funds in all states. Allstate® Guaranteed Lifetime Income are going to be introduced in approved states. Take a look at allstate.com or contact a nearby Allstate agency about preparing for retirement.Guarantees are based on the claims-paying ability of Allstate Life Insurance Enterprise. The certificate will not offer a cash value or death benefit. Also, rewards might by no means be received mainly because the fund account performs properly sufficient that it never ever reduces to zero, or the certificate owner(s) dies, or the certificate terminates prior to the fund account is decreased to zero. A 10% penalty tax applies towards the taxable amount of any premature distributions from a certificate. The penalty tax typically applies to any distribution made prior to age 59 1/2. Please read the prospectus and certificate for much more particulars. The Allstate Corporation (NYSE: ALL) may be the nation’s largest publicly held individual lines insurer. Widely recognized by means of the “You’re In Fantastic Hands With Allstate®” slogan, Allstate helps people in approximately 17 million households defend what they’ve currently and improved prepare for tomorrow through approximately 14,900 exclusive agencies and economic representatives in the U.S. and Canada. Prospects can access Allstate goods and services for example auto insurance and homeowners insurance by way of Allstate agencies, or in choose states at allstate.com and 1-800 Allstate®. Encompass® and Deerbrook® Insurance brand property and casualty items are sold exclusively by means of independent agents. The Allstate Monetary Group provides life insurance, supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite consumers that are distributed by means of Allstate agencies, independent agencies, economic institutions and broker-dealers. Allstate Institutional Advisors, LLC is really a registered investment advisor and serves as investment advisor to the Allstate ClearTarget Retirement Funds.1 Guarantees are based on the claims-paying capacity of Allstate Life Insurance Company. Allstate Guaranteed Lifetime Income is actually a contingent deferred annuity accessible with ClearTargetSM 2005, ClearTargetSM 2010 and ClearTargetSM 2015. Further fees and restrictions might apply. We reserve the proper to limit availability to Individual Retirement Accounts only.two Diversification doesn’t ensure a profit or safeguard against a loss in a declining market place.Note: An investment in an Allstate ClearTarget Retirement Fund gives no guarantee of future growth and may well shed value. The value of the fund will fluctuate with industry conditions and is subject towards the volatility of the U.S. and International financial markets. The funds may well be subject to extra risks associated with investing in high-yield, SMall-cap and foreign securities. Please see the prospectus for a lot more details.Please note that an annual fee of 1% of one’s Fund Account Value is related with Allstate Guaranteed Lifetime Income. The certificate three fee reduces the growth of the investment, which negatively affects the growth of the Fund Account Value. Based on an investor’s life span, fund withdrawals or the investment’s performance, an investor could receive no income payments as the certificate was created to give prospective protection against outliving your income. The certificate might not be appropriate for all investors.Note: Distributions from the fund are subject to federal income tax and may perhaps also be subject to state and local tax. Dividends and short-term capital gains distributions that you obtain, regardless of distribution option, are taxable to you as ordinary income. If you are an individual, and certain holding period specifications are met, you could be eligible for taxation at long-term capital gains rates on “qualified dividend income” distributed from the fund. Distributions of net long-term capital gains are taxable to you as long-term capital gains for federal income tax purposes. For anyone who is investing through an IRA, all distributions from the IRA are subject to ordinary income tax. Particular tax rules apply to IRAs. Please consult your tax advisor. Note: Securities provided by Individual Economic Representatives via Allstate Economic Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Major Workplace: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Allstate ClearTarget Retirement Funds are provided by Allstate Financial Investment Trust, a registered open-end investment enterprise, Northbrook, IL and distributed by Funds Distributor, LLC, Columbus, OH.Note: Allstate Guaranteed Lifetime Income is actually a group contingent deferred annuity issued by Allstate Life Insurance Company, Home Workplace, Northbrook, IL, and is offered in most states through certificate quantity LU10905 or contract series LU10926. It is sold by registered representatives of broker-dealers who’re licensed insurance agents.Allstate ClearTarget Retirement Funds are developed for long-term investing. Investors must carefully think about the investment objectives, risks, charges and costs of Allstate ClearTarget Retirement Funds before buying a fund or investing dollars. This information is only a summary. The prospectus contains particulars on the investment options, charges, charges, expenditures and other pertinent facts. To acquire a prospectus, please get in touch with your Allstate Individual Monetary Representative or go to accessallstate.com. Consumers ought to read the prospectus cautiously prior to buying shares or sending cash.Get in touch with:David Steck847-402-5600

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