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Allstate Life Insurance

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Allstate Life Insurance

Updated: May. 31, 2018

Ranked 6th of 10 life insurance with a Quid Score of 80.

Buy Now Leave a Review

Allstate Life Insurance

Ranked 6th of 10 life insurance with a Quid Score of 80.

Product Details

Product Details

Ranks 6th overall.

Other Information
  • Online Quote: Yes
  • Other Features: The online Lifetrek tool helps applicants choose the right insurance plan for their needs.
  • Smoking Policy: Yes - different rates for smokers
  • Customer Service System: Phone, email, local agents, FAQ
  • Medical Exam Requirement: Yes
  • Other Financial Services: Auto, Home, Renters, Condo, Motorcycle, Boat, ATV/Rec. Vehicle, and Business Insurance
  • Online Portal/Smartphone App: Both
  • Other Life Insurance Policies: Yes - TrueFit (select coverage in 1-year increments), permanent life, whole life
  • Age Requirement at Time of Application: 18-64
Policy Information
  • Term Options: 10, 15, 20, or 30 years
  • Annual Premium: MALE: $377.52; FEMALE: $208.56 (based on monthly quote)
  • Face Value Policy: $200,000 - $900,000
  • Payment Frequency: MALE: $31.46/month, FEMALE: $17.38/month
  • Fixed or Fluctuating Premium: Fixed
  • Riders/Supplementary Coverage: Yes - term rider, spouse and children’s riders, accelerated death benefit - see source for more information
Key Product Information
  • Online Quote: Yes
  • Term Options: 10, 15, 20, or 30 years
  • Annual Premium: MALE: $377.52; FEMALE: $208.56 (based on monthly quote)
  • Face Value Policy: $200,000 - $900,000
  • Fixed or Fluctuating Premium: Fixed

Expert Rating: 80%

Ranks 5th among competitors.

Expert Rating: 80%

Ranks 5th among competitors.

Experts like how straightforward it is to browse policies and obtain a quote online. The ballpark quotes are accurate, but they could give more detailed information about making payments.

Full Expert Breakdown
  • Premium Rates - Below average
  • Agent Responsiveness - Average
  • 24-Hour Telephone Support - Yes
  • Standout Incentives - Offers a variety of other insurance plans
  • Financial Strength - Above average
  • Policy Options - Above average
Notable Positives
  • Online quotes are accurate
  • Strong company reputation
  • Don't need to supply detailed personal information for a quote
  • Term life insurance offers low coverage amounts
  • It is simple to receive detailed information and support online
Notable Negatives
  • Exact quotes are only available through an agent
  • Mediocre customer service
  • No loyalty or military group discounts
Full Expert Breakdown
  • Premium Rates - Below average
  • Agent Responsiveness - Average
  • 24-Hour Telephone Support - Yes
  • Standout Incentives - Offers a variety of other insurance plans
  • Financial Strength - Above average
  • Policy Options - Above average

Customer Rating: 75%

Ranks 6th among competitors.

Customer Rating: 75%

Ranks 6th among competitors.

Customers give Allstate’s customer service mixed reviews. The website is easy to navigate and provides helpful information, but the agents are not always responsive. Policyholders are generally pleased with the value and pricing of their plans.

Ideal for people:

Those looking for particularly affordable premiums and help from agents.

Not ideal for people:

Those who may want to convert to another plan at the end of their term.

Notable Pros:
  • Agents work with you to find the right plans
  • Premiums seem cheaper than competitors
  • Easy to get an online quote
Notable Cons:
  • Agents provide unreliable information
  • Reports of beneficiaries having difficulty filing claims
  • Trouble renewing term policies at end of term

Brand Score: 90%

Ranks 1st among competitors.

Brand Score: 90%

Ranks 1st among competitors.

The Allstate Corporation serves more than 16 million households nationwide. Founded in 1931, Allstate has been dedicated to protecting its customers for more than 85 years.

Heritage - 5/5

Allstate was founded in 1931.

Innovation - 4/5

Allstate offers a mobile application with standout features such as Drivewise, QuickFoto Claim and Digital Locker.

Reliability - 5/5

AllState's Smart Search helps locate the answers to customer questions along with tips and tools related to insurance. Allstate offers 24 hour phone support as well as local agents around the country.

Social Good - 5/5

The Allstate Foundation focuses on two major causes: financially empowering domestic abuse survivors and youth empowerment.

Relevance - 4/5

Through its #HelpingHands campaign, Allstate spotlights all-star agents who have made a positive impact in their community. The company also creates short videos that focus on the easy mistakes made that could lead to identity theft, scamming, and burglary.

Retail: Best Price $293.04

Ranks 8th in value among competitors.

Retail: Best Price $293.04

Ranks 8th in value among competitors.

Policy applicants can acquire a term life insurance quote online or speak to an Allstate financial representative for more detailed information. A short online form asks a few medical and personal questions, then provides a ballpark quote.

Best Purchase Options
Allstate - $293.04
Best Purchase Option
Allstate - $293.04

Ranked by Quiddity

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