Allstate Life Insurance. Company Separate Account A Allocation of Initial Purchase Payment: Allocated Amount (%) Variable Sub-account Fund Manager Sub-account A 10% Fund Manager Sub-account B 10% Fund Manager Sub-account C 10% Fund Manager Sub-account D 10% Rate Allocated Current Annual Guaranteed Amount (%) Interest Rate Through Dollar Cost Averaging Fixed Account 6 Month Transfer Period Account 5% 4.50% 11/01/2002 12 Month Transfer Period Account 5% 5.00% 05/01/2003 Standard Fixed Account 1 Year Guarantee Period Account 10% 4.50% 05/01/2003 Market Value Adjusted Fixed Account 3 Year Guarantee Period Account 10% 4.75% 05/01/2005 5 Year Guarantee Period Account 10% 5.25% 05/01/2007 7 Year Guarantee Period Account 10% 5.50% 05/01/2009 10 Year Guarantee Period Account 10% 5.75% 05/01/2012 Minimum Guaranteed Annual Rate Dollar Cost Averaging Fixed Account:....................................................................................3.00% Standard Fixed Account:.................................................................................................3.00% Payout Start Date:................................................................................................May 1, 2066 Charges for the Contract on the Issue Date: Annualized Charges Administrative Expense Charge:..........................................................................................0.35% Mortality and Expense Risk Charges: Base Contract:..................................................................................................1.40% Spousal Protection Rider:.......................................................................................0.15% Enhanced Beneficiary Protection Rider A:........................................................................0.30% Enhanced Beneficiary Protection Rider B:........................................................................0.30% Earnings Protection Death Benefit Rider:........................................................................0.35% Annual Charges Contract Maintenance Charge............................................................................................$30.00 (Charge may be waived. See your Contract for details) Retirement Income Guarantee Rider 2 Fee.............................................................0.75% of the Income Base* *See your rider for details Additional charges will apply if you add any Contract riders after the Issue Date. Additional charges may apply if you make a transfer or withdrawal. See your Contract for details. Co - Annuitant Age Sex -------------- --------------- -------------- Xxxx Xxx 40 F Primary Beneficiary Relationship to Owner Percentage ------------------- --------------------- ------------- Xxxx Xxx Wife 100% Contingent Beneficiary Relationship to Owner Percentage ---------------------- --------------------- -------------- Xxxxx Xxx Daughter 100%
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Samples: Allstate Life Insurance Co
Allstate Life Insurance. Company Separate Account A Allocation of Initial Purchase Payment: Allocated Amount (%) Variable Sub-account Fund Manager Sub-account A 10% Fund Manager Sub-account B 10% Fund Manager Sub-account C 10% Fund Manager Sub-account D 10% Rate Allocated Current Annual Guaranteed Amount (%) Interest Rate Through Dollar Cost Averaging Fixed Account 6 Month Transfer Period Account 515% 4.50% 11/01/2002 12 Month Transfer Period Account 515% 5.00% 05/01/2003 Standard Fixed Account 1 Year Guarantee Period Account 10% 4.50% 05/01/2003 Market Value Adjusted Fixed Account 3 Year Guarantee Period Account 10% 4.75% 05/01/2005 5 Year Guarantee Period Account 10% 5.25% 05/01/2007 7 Year Guarantee Period Account 10% 5.50% 05/01/2009 10 Year Guarantee Period Account 10% 5.75% 05/01/2012 Minimum Guaranteed Annual Rate Dollar Cost Averaging Fixed Account:....................................................................................3.00% Standard Fixed Account:.................................................................................................3.00% Payout Start Date:................................................................................................May 1, 2066 Charges for the Contract on the Issue Date: Annualized Charges Administrative Expense Charge:..........................................................................................0.35% Mortality and Expense Risk Charges: Base Contract:..................................................................................................1.40% Spousal Protection Rider:.......................................................................................0.15% Enhanced Beneficiary Protection Rider A:........................................................................0.30% Enhanced Beneficiary Protection Rider B:........................................................................0.30% Earnings Protection Death Benefit Rider:........................................................................0.35% Annual Charges Contract Maintenance Charge............................................................................................$30.00 (Charge may be waived. See your Contract for details) Retirement Income Guarantee Rider 2 Fee.............................................................0.75% of the Income Base* *See your rider for details Additional charges will apply if you add any Contract riders after the Issue Date. Additional charges may apply if you make a transfer or withdrawal. See your Contract for details. Co - Annuitant Age Sex -------------- --------------- -------------- Xxxx Xxx 40 F Primary Beneficiary Relationship to Owner Percentage ------------------- --------------------- ------------- Xxxx Xxx Wife 100% Contingent Beneficiary Relationship to Owner Percentage ---------------------- --------------------- -------------- Xxxxx Xxx Daughter 100%% Page 22 PA128 (NMVA) ---------------------------------------------------------------------------- THE PERSONS INVOLVED ---------------------------------------------------------------------------- Owner The person named at the time of application is the Owner of this Contract unless subsequently changed. As Owner, you will receive any periodic income payments, unless you have directed us to pay them to someone else. The Contract cannot be jointly owned by both a non-living person and a living person, unless the Owner(s) took ownership of the Contract as the Beneficiary. If the Owner is a trust, the Owner will be considered a non-living person. You may exercise all rights stated in this Contract, subject to the rights of any irrevocable Beneficiary. You may change the Owner or Beneficiary at any time by written notice in a form satisfactory to us. Once we accept a change, the change will take effect as of the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. You may not assign an interest in this Contract as collateral or security for a loan. However, you may assign periodic income payments under this Contract prior to the Payout Start Date. We are bound by an assignment only if it is signed by the assignor and filed with us. We are not responsible for the validity of an assignment. If more than one person is designated as Owner: # Owner as used in this Contract refers to all people named as Owners, unless otherwise indicated; # any request to exercise ownership rights must be signed by all Owners; and # on the death of any person who is an Owner, the surviving person(s) named as Owner(s) will continue as Owner(s), as described in the Death of Owner provision. Annuitant The Annuitant is the person named on the Annuity Data Page. The Annuitant must be a living person. You cannot change the Annuitant at any time. Beneficiary The two classes of Beneficiaries are Primary Beneficiaries and Contingent Beneficiaries. Primary Beneficiaries and Contingent Beneficiaries are individually and collectively referred to herein as "Beneficiaries". The Primary Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Primary Beneficiary is the Beneficiary(ies) who is first entitled to receive benefits under this Contract upon the death of the sole surviving Owner. The Contingent Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Contingent Beneficiary is entitled to receive benefits under the Contract upon the death of the sole surviving Owner, when all Primary Beneficiary(ies) predecease the sole surviving Owner. You may change or add Beneficiaries at any time by written request in a form satisfactory to us, unless you have designated an irrevocable Beneficiary. You may restrict income payments to Beneficiaries by written request in a form satisfactory to us. Once we accept a request, the change or restriction will take effect as of the date you signed the request. Any change is subject to any payment we make or other action we take before we accept the change. If no named Beneficiary is living when the sole surviving Owner dies, or if a Beneficiary has not been named, the new Beneficiary will be: your spouse, or if he or she is no longer living, ii. your surviving children equally, or if you have no surviving children, iii. your estate. If there is more than one Beneficiary and one of the Beneficiaries is a corporation, trust or other non-living person, all Beneficiaries will be considered to be non-living persons. Unless you have provided directions, in writing in a form satisfactory to us, to the contrary, the Beneficiaries will take equal shares. If there is more than one Beneficiary in a class and one of the Beneficiaries predeceases the Owner, the remaining Beneficiaries in that class will divide the deceased Beneficiary's share in proportion to the original share of the remaining Beneficiaries. Survivor Clause For purposes of this Contract, in determining whether a living person, including an Owner, Primary Beneficiary, Contingent Beneficiary, or Annuitant ("Living Person A") has survived another living person, including an Owner, Primary Beneficiary, Contingent Beneficiary, or Annuitant ("Living Person B"), Living Person A must survive Living Person B by at least 24 hours. Otherwise, Living Person A will be conclusively deemed to have predeceased Living Person B. ------------------------------------------------------------------------------ ACCUMULATION PHASE ------------------------------------------------------------------------------ Accumulation Phase Defined The "Accumulation Phase" is the first of two phases during your Contract. The Accumulation Phase begins on the Issue Date stated on the Annuity Data Page. This phase will continue until the Payout Start Date unless this Contract is terminated before that date. Contract Year A "Contract Year" is the 365 day period (366 days for a leap year) beginning on the Issue Date and on each anniversary of the Issue Date.
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Allstate Life Insurance. Company Separate Account A Allocation of Initial Purchase Payment: Allocated Amount (%) Variable Sub-account Fund Manager Sub-account A 10% Fund Manager Sub-account B 10% Fund Manager Sub-account C 10% Fund Manager Sub-account D 10% Rate Allocated Current Annual Guaranteed Amount (%) Interest Rate Through Dollar Cost Averaging Fixed Account 6 Month Transfer Period Account 5% 4.50% 11/01/2002 12 Month Transfer Period Account 5% 5.00% 05/01/2003 Standard Fixed Account 1 Year Guarantee Period Account 10% 4.50% 05/01/2003 Market Value Adjusted Fixed Account 3 Year Guarantee Period Account 10% 4.75% 05/01/2005 5 Year Guarantee Period Account 10% 5.25% 05/01/2007 7 Year Guarantee Period Account 10% 5.50% 05/01/2009 10 Year Guarantee Period Account 10% 5.75% 05/01/2012 Minimum Guaranteed Annual Rate Dollar Cost Averaging Fixed Account:....................................................................................3.00% Standard Fixed Account:.................................................................................................3.00% Payout Start Date:................................................................................................May 1, 2066 Charges for the Contract on the Issue Date: Annualized Charges Administrative Expense Charge:..........................................................................................0.35% Mortality and Expense Risk Charges: Base Contract:..................................................................................................1.40% Spousal Protection Rider:.......................................................................................0.15% Enhanced Beneficiary Protection Rider A:........................................................................0.30% Enhanced Beneficiary Protection Rider B:........................................................................0.30% Earnings Protection Death Benefit Rider:........................................................................0.35% Annual Charges Contract Maintenance Charge............................................................................................$30.00 (Charge may be waived. See your Contract for details) Retirement Income Guarantee Rider 2 Fee.............................................................0.75% of the Income Base* *See your rider for details Additional charges will apply if you add any Contract riders after the Issue Date. Additional charges may apply if you make a transfer or withdrawal. See your Contract for details. Co - Annuitant Age Sex -------------- --------------- -------------- Xxxx Xxx Jane Doe 40 F Primary Beneficiary Relationship to Owner Percentage ------------------- --------------------- ------------- Xxxx Xxx Jane Doe Wife 100% Contingent Beneficiary Relationship to Owner Percentage ---------------------- --------------------- -------------- Xxxxx Xxx Susan Doe Daughter 100%% ----------------------------------------------------------------------------- THE PERSONS INVOLVED ----------------------------------------------------------------------------- Owner The person named at the time of application is the Owner of this Contract unless subsequently changed. As Owner, you will receive any periodic income payments, unless you have directed us to pay them to someone else. The Contract cannot be jointly owned by both a non-living person and a living person, unless the Owner(s) took ownership of the Contract as the Beneficiary. If the Owner is a trust, the Owner will be considered a non-living person. You may exercise all rights stated in this Contract, subject to the rights of any irrevocable Beneficiary. You may change the Owner or Beneficiary at any time by written notice in a form satisfactory to us. Once we accept a change, the change will take effect as of the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. You may not assign an interest in this Contract as collateral or security for a loan. However, you may assign periodic income payments under this Contract prior to the Payout Start Date. We are bound by an assignment only if it is signed by the assignor and filed with us. We are not responsible for the validity of an assignment. If more than one person is designated as Owner: * Owner as used in this Contract refers to all people named as Owners, unless otherwise indicated; * any request to exercise ownership rights must be signed by all Owners; and * on the death of any person who is an Owner, the surviving person(s) named as Owner(s) will continue as Owner(s), as described in the Death of Owner provision. Annuitant The Annuitant is the person named on the Annuity Data Page. The Annuitant must be a living person. You cannot change the Annuitant at any time. Beneficiary The two classes of Beneficiaries are Primary Beneficiaries and Contingent Beneficiaries. Primary Beneficiaries and Contingent Beneficiaries are individually and collectively referred to herein as "Beneficiaries". The Primary Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Primary Beneficiary is the Beneficiary(ies) who is first entitled to receive benefits under this Contract upon the death of the sole surviving Owner. The Contingent Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Contingent Beneficiary is entitled to receive benefits under the Contract upon the death of the sole surviving Owner, when all Primary Beneficiary(ies) predecease the sole surviving Owner. You may change or add Beneficiaries at any time by written request in a form satisfactory to us, unless you have designated an irrevocable Beneficiary. You may restrict income payments to Beneficiaries by written request in a form satisfactory to us. Once we accept a request, the change or restriction will take effect as of the date you signed the request. Any change is subject to any payment we make or other action we take before we accept the change. If no named Beneficiary is living when the sole surviving Owner dies, or if a Beneficiary has not been named, the new Beneficiary will be:
Appears in 1 contract
Allstate Life Insurance. Company Separate Account A Allocation of Initial Purchase Payment: Allocated Amount (%) Variable Sub-account Fund Manager Sub-account A 10% Fund Manager Sub-account B 10% Fund Manager Sub-account C 10% Fund Manager Sub-account D 10% Rate Allocated Current Annual Guaranteed Amount (%) Interest Rate Through Dollar Cost Averaging Fixed Account 6 Month Transfer Period Account 515% 4.50% 11/01/2002 12 Month Transfer Period Account 515% 5.00% 05/01/2003 Standard Fixed Account 1 Year Guarantee Period Account 10% 4.50% 05/01/2003 Market Value Adjusted Fixed Account 3 Year Guarantee Period Account 10% 4.75% 05/01/2005 5 Year Guarantee Period Account 10% 5.25% 05/01/2007 7 Year Guarantee Period Account 10% 5.50% 05/01/2009 10 Year Guarantee Period Account 10% 5.75% 05/01/2012 Minimum Guaranteed Annual Rate Dollar Cost Averaging Fixed Account:....................................................................................3.00% Standard Fixed Account:.................................................................................................3.00% Payout Start Date:................................................................................................May 1, 2066 Charges for the Contract on the Issue Date: Annualized Charges Administrative Expense Charge:..........................................................................................0.35% Mortality and Expense Risk Charges: Base Contract:..................................................................................................1.40% Spousal Protection Rider:.......................................................................................0.15% Enhanced Beneficiary Protection Rider A:........................................................................0.30% Enhanced Beneficiary Protection Rider B:........................................................................0.30% Earnings Protection Death Benefit Rider:........................................................................0.35% Annual Charges Contract Maintenance Charge............................................................................................$30.00 (Charge may be waived. See your Contract for details) Retirement Income Guarantee Rider 2 Fee.............................................................0.75% of the Income Base* *See your rider for details Additional charges will apply if you add any Contract riders after the Issue Date. Additional charges may apply if you make a transfer or withdrawal. See your Contract for details. Co - Annuitant Age Sex -------------- --------------- -------------- Xxxx Xxx 40 Jane Doe 00 F Primary Beneficiary Relationship to Owner Percentage ------------------- --------------------- ------------- Xxxx Xxx Wife Jane Doe Xife 100% Contingent Beneficiary Relationship to Owner Percentage ---------------------- --------------------- -------------- Xxxxx Xxx Daughter Susan Doe Xxxghter 100%% ----------------------------------------------------------------------------- THE PERSONS INVOLVED ----------------------------------------------------------------------------- Owner The person named at the time of application is the Owner of this Contract unless subsequently changed. As Owner, you will receive any periodic income payments, unless you have directed us to pay them to someone else. The Contract cannot be jointly owned by both a non-living person and a living person, unless the Owner(s) took ownership of the Contract as the Beneficiary. If the Owner is a trust, the Owner will be considered a non-living person. You may exercise all rights stated in this Contract, subject to the rights of any irrevocable Beneficiary. You may change the Owner or Beneficiary at any time by written notice in a form satisfactory to us. Once we accept a change, the change will take effect as of the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. You may not assign an interest in this Contract as collateral or security for a loan. However, you may assign periodic income payments under this Contract prior to the Payout Start Date. We are bound by an assignment only if it is signed by the assignor and filed with us. We are not responsible for the validity of an assignment. If more than one person is designated as Owner: * Owner as used in this Contract refers to all people named as Owners, unless otherwise indicated; * any request to exercise ownership rights must be signed by all Owners; and * on the death of any person who is an Owner, the surviving person(s) named as Owner(s) will continue as Owner(s), as described in the Death of Owner provision. Annuitant The Annuitant is the person named on the Annuity Data Page. The Annuitant must be a living person. You cannot change the Annuitant at any time. Beneficiary The two classes of Beneficiaries are Primary Beneficiaries and Contingent Beneficiaries. Primary Beneficiaries and Contingent Beneficiaries are individually and collectively referred to herein as "Beneficiaries". The Primary Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Primary Beneficiary is the Beneficiary(ies) who is first entitled to receive benefits under this Contract upon the death of the sole surviving Owner. The Contingent Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Contingent Beneficiary is entitled to receive benefits under the Contract upon the death of the sole surviving Owner, when all Primary Beneficiary(ies) predecease the sole surviving Owner. You may change or add Beneficiaries at any time by written request in a form satisfactory to us, unless you have designated an irrevocable Beneficiary. You may restrict income payments to Beneficiaries by written request in a form satisfactory to us. Once we accept a request, the change or restriction will take effect as of the date you signed the request. Any change is subject to any payment we make or other action we take before we accept the change. If no named Beneficiary is living when the sole surviving Owner dies, or if a Beneficiary has not been named, the new Beneficiary will be:
Appears in 1 contract
Allstate Life Insurance. Company Separate Account A Allocation of Initial Purchase Payment: Allocated Amount (%) Variable Sub-account Fund Manager Sub-account A 10% Fund Manager Sub-account B 10% Fund Manager Sub-account C 10% Fund Manager Sub-account D 10% Rate Allocated Current Annual Guaranteed Amount (%) Interest Rate Through Dollar Cost Averaging Fixed Account 6 Month Transfer Period Account 515% 4.50% 11/01/2002 12 Month Transfer Period Account 515% 5.00% 05/01/2003 Standard Fixed Account 1 Year Guarantee Period Account 10% 4.50% 05/01/2003 Market Value Adjusted Fixed Account 3 Year Guarantee Period Account 10% 4.75% 05/01/2005 5 Year Guarantee Period Account 10% 5.25% 05/01/2007 7 Year Guarantee Period Account 10% 5.50% 05/01/2009 10 Year Guarantee Period Account 10% 5.75% 05/01/2012 Minimum Guaranteed Annual Rate Dollar Cost Averaging Fixed Account:....................................................................................3.00% Standard Fixed Account:.................................................................................................3.00% Payout Start Date:................................................................................................May 1, 2066 Charges for the Contract on the Issue Date: Annualized Charges Administrative Expense Charge:..........................................................................................0.35% Mortality and Expense Risk Charges: Base Contract:..................................................................................................1.40% Spousal Protection Rider:.......................................................................................0.15% Enhanced Beneficiary Protection Rider A:........................................................................0.30% Enhanced Beneficiary Protection Rider B:........................................................................0.30% Earnings Protection Death Benefit Rider:........................................................................0.35% Annual Charges Contract Maintenance Charge............................................................................................$30.00 (Charge may be waived. See your Contract for details) Retirement Income Guarantee Rider 2 Fee.............................................................0.75% of the Income Base* *See your rider for details Additional charges will apply if you add any Contract riders after the Issue Date. Additional charges may apply if you make a transfer or withdrawal. See your Contract for details. Co - Annuitant Age Sex -------------- --------------- -------------- Xxxx Xxx 40 F Primary Beneficiary Relationship to Owner Percentage ------------------- --------------------- ------------- Xxxx Xxx Wife 100% Contingent Beneficiary Relationship to Owner Percentage ---------------------- --------------------- -------------- Xxxxx Xxx Daughter 100%% ----------------------------------------------------------------------------- THE PERSONS INVOLVED ----------------------------------------------------------------------------- Owner The person named at the time of application is the Owner of this Contract unless subsequently changed. As Owner, you will receive any periodic income payments, unless you have directed us to pay them to someone else. The Contract cannot be jointly owned by both a non-living person and a living person, unless the Owner(s) took ownership of the Contract as the Beneficiary. If the Owner is a trust, the Owner will be considered a non-living person. You may exercise all rights stated in this Contract, subject to the rights of any irrevocable Beneficiary. You may change the Owner or Beneficiary at any time by written notice in a form satisfactory to us. Once we accept a change, the change will take effect as of the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. You may not assign an interest in this Contract as collateral or security for a loan. However, you may assign periodic income payments under this Contract prior to the Payout Start Date. We are bound by an assignment only if it is signed by the assignor and filed with us. We are not responsible for the validity of an assignment. If more than one person is designated as Owner: * Owner as used in this Contract refers to all people named as Owners, unless otherwise indicated; * any request to exercise ownership rights must be signed by all Owners; and * on the death of any person who is an Owner, the surviving person(s) named as Owner(s) will continue as Owner(s), as described in the Death of Owner provision. Annuitant The Annuitant is the person named on the Annuity Data Page. The Annuitant must be a living person. You cannot change the Annuitant at any time. Beneficiary The two classes of Beneficiaries are Primary Beneficiaries and Contingent Beneficiaries. Primary Beneficiaries and Contingent Beneficiaries are individually and collectively referred to herein as "Beneficiaries". The Primary Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Primary Beneficiary is the Beneficiary(ies) who is first entitled to receive benefits under this Contract upon the death of the sole surviving Owner. The Contingent Beneficiary is the person(s) named on the Annuity Data Page unless later changed by the Owner. The Contingent Beneficiary is entitled to receive benefits under the Contract upon the death of the sole surviving Owner, when all Primary Beneficiary(ies) predecease the sole surviving Owner. You may change or add Beneficiaries at any time by written request in a form satisfactory to us, unless you have designated an irrevocable Beneficiary. You may restrict income payments to Beneficiaries by written request in a form satisfactory to us. Once we accept a request, the change or restriction will take effect as of the date you signed the request. Any change is subject to any payment we make or other action we take before we accept the change. If no named Beneficiary is living when the sole surviving Owner dies, or if a Beneficiary has not been named, the new Beneficiary will be:
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