1 Buena Vida Protegemos Su Nombre de la Agencia[Title slide displayed as attendees enter the room and get settled. Use these speakers’ notes as a guideline for your presentation. You are encouraged to use life stories and other experience to embellish, keeping in mind that this presentation has been reviewed for industry compliance. Evaluate your audience’s level of comfort to determine if you need to walk through each slide point-by-point.] Protegemos Su Buena Vida Nombre de la Agencia Nombre del Presentador Número de teléfono de la agencia Correo electrónico de contacto Dirección de la agencia Ciudad, estado, código postal ALR2727SP (12/16)

2 BIENVENIDO [Greet the audience and thank them for attending]“Thank you for attending our seminar today. We’re here to share some important information on how life insurance can do much more than most people think to provide flexibility and peace of mind in your life. Our industry studies show that life insurance is one of the lowest priorities of most Americans. Until it suddenly becomes the highest. It makes sense…who wants to think about death, right? But maybe you’ve recently had a family situation that brought about some urgency in this area. Maybe you’ve had a health scare. Maybe you’ve just had a new baby, or you’re a new grandparent scouting information for your kids. Maybe you’ve just bought a new house, or inherited money. Or maybe it’s been on your mind for a long time and you’ve finally decided to learn more and do something about it. Any other situations out there I didn’t mention? (Ask audience for feedback). Anyone else with this situation? Well, the reason we feel you should be here is to gain power over your family’s financial future.

3 El Conocimiento es Poder¿Cuánto poder tiene sobre el futuro financiero de su familia? “The more you know about the different ways to protect yourself and your family - the less intimidating making a plan becomes. Over the next minutes we’ll increase your knowledge and give you more power over this journey we call life ...”

4 Preguntas Claves ¿Cuánta cobertura de seguro de vida necesito? ¿Qué sucede con mi esposa e hijos? ¿Necesito un seguro temporal o permanente? ¿Cuánto de cada uno? ¿Cuánto seguro es mucho? ¿Puedo obtener una póliza que cambia con mis necesidades durante los diferentes momentos de mi vida? ¿Cómo se adecua el seguro de vida en un escenario financiero general? ‘If you don’t know the answers to these critical questions, you’re not alone. Just look around you. That’s probably why you are all here. How much life insurance coverage do you need? Well, that depends on what you’re protecting: Your income, assuring your kids’ college education, debts, and a host of other things. A lot of people are surprised at the many ways life insurance can provide flexibility and peace of mind in their lives. It’s called life insurance for a reason: because it’s for the living.’

5 A Su Vida… …y por qué importaLA VIDA BUENA PLANIFICAR EL FUTURO “The stages of our lives. Young to Mature - Just starting out to enjoying retirement - These are the events in our lives.” ‘When we are first starting out, we focus on getting the basics down ... getting an educational foundation ... finding a job ... learning how to budget our money and making ends meet ... and building a life that is uniquely suited to us.’ HACERLO POSIBLE CREAR UN ESTILO DE VIDA FORMULAR UN PRESUPUESTO ENCONTRAR UN TRABAJO EMPEZAR GRADUARSE DE LA UNIVERSIDAD 18-25 26-35 36-55 56-70 71+

6 A Su Vida… …y cómo se construye a su alrededorLA VIDA BUENA PLANIFICAR EL FUTURO HACERLO POSIBLE EMPEZAR 18-25 26-35 36-55 56-70 71+ ‘It’s not always smooth sailing ... Divorce, unemployment, serious health issues, disability ... ... but it’s often wonderful too! Marriage, birth of a child, job promotion, purchase of a house, inheritance ... but even these events can be stressful if you’r not prepared and protected.’ CREAR UN ESTILO DE VIDA FORMULAR UN PRESUPUESTO CONSTRUIR UNA CARRERA ENCONTRAR UN TRABAJO CRIAR UNA FAMILIA GRADUARSE DE LA UNIVERSIDAD COMPRAR UNA CASA

7 A Su Vida… …cuán grande puede serLA VIDA BUENA PLANIFICAR EL FUTURO HACERLO POSIBLE EMPEZAR 18-25 26-35 36-55 56-70 71+ PROTECCIÓN PARA LA JUBILACIÓN/HERENCIA ATENCIÓN A LARGO PLAZO ATENCIÓN MÉDICA PLANIFICACIÓN DE LOS INGRESOS AHORRAR PARA LA JUBILACIÓN ‘It’s not always smooth sailing ... Divorce, unemployment, serious health issues, disability ... ... but it’s often wonderful too! Marriage, birth of a child, job promotion, purchase of a house, inheritance ... but even these events can be stressful if you’r not prepared and protected.’ AHORRAR PARA LA UNIVERSIDAD CREAR UN ESTILO DE VIDA PROTEGER A USTED Y SUS FAMILIARES INGRESOS, HIPOTECA, INCAPACIDAD FORMULAR UN PRESUPUESTO CONSTRUIR UNA CARRERA ENCONTRAR UN TRABAJO CRIAR UNA FAMILIA GRADUARSE DE LA UNIVERSIDAD COMPRAR UNA CASA

8 A Su Vida… …y lo inesperadoLA VIDA BUENA PLANIFICAR EL FUTURO HACERLO POSIBLE EMPEZAR 18-25 26-35 36-55 56-70 71+ PROTECCIÓN PARA LA JUBILACIÓN/HERENCIA ATENCIÓN A LARGO PLAZO ENFERMEDAD GANANCIA FINANCIERA DESASTRE NATURAL ATENCIÓN MÉDICA ASCENSO EN EL TRABAJO PLANIFICACIÓN DE LOS INGRESOS INCAPACIDAD AHORRAR PARA LA JUBILACIÓN HERENCIA DIVORCIO ‘It’s not always smooth sailing ... Divorce, unemployment, serious health issues, disability ... ... but it’s often wonderful too! Marriage, birth of a child, job promotion, purchase of a house, inheritance ... but even these events can be stressful if you’r not prepared and protected.’ AHORRAR PARA LA UNIVERSIDAD CREAR UN ESTILO DE VIDA PROTEGER A USTED Y SUS FAMILIARES INGRESOS, HIPOTECA, INCAPACIDAD FORMULAR UN PRESUPUESTO CONSTRUIR UNA CARRERA DESEMPLEO ENCONTRAR UN TRABAJO CRIAR UNA FAMILIA GRADUARSE DE LA UNIVERSIDAD COMPRAR UNA CASA

9 A Su Vida… …y cómo podemos ayudarLA VIDA BUENA PLANIFICAR EL FUTURO HACERLO POSIBLE EMPEZAR 18-25 26-35 36-55 56-70 71+ CREAR UN ESTILO DE VIDA FORMULAR UN PRESUPUESTO ENCONTRAR UN TRABAJO GRADUARSE DE LA UNIVERSIDAD CONSTRUIR UNA CARRERA CRIAR UNA FAMILIA COMPRAR UNA CASA PROTEGER A USTED Y SUS FAMILIARES INGRESOS, HIPOTECA, INCAPACIDAD AHORRAR PARA LA UNIVERSIDAD AHORRAR PARA LA JUBILACIÓN PLANIFICACIÓN DE LOS INGRESOS ATENCIÓN MÉDICA ATENCIÓN A LARGO PLAZO PROTECCIÓN PARA LA JUBILACIÓN/HERENCIA TRANSFERENCIA DE RIQUEZA ‘It’s not always smooth sailing ... Divorce, unemployment, serious health issues, disability ... ... but it’s often wonderful too! Marriage, birth of a child, job promotion, purchase of a house, inheritance ... but even these events can be stressful if you’r not prepared and protected.’

10 Revisión de lo ElementalEl Seguro de Vida es un contrato en el que sucede lo siguiente: El asegurado promete pagar una suma de dinero Ante el fallecimiento de la persona asegurada A cambio de una prima “In order to get the full picture, we should first breeze through the basics. On the surface, life insurance seems simple, right?” “Life insurance is a contract between you and the insurance company, which promises to pay your designated beneficiary a sum of money if you die. All this, in exchange for a premium you pay regularly to keep the policy in force. Pretty basic and easy to understand, right? But today, insurance companies have come up with lots of different kinds of insurance to fit specific types of life stages and situations.” “So why is life insurance so important?”

11 ¿Qué le ofrece? Protección para sus beneficiariosTranquilidad para usted ;) Alivio del estrés “The obvious reason is that it provides protection for your beneficiaries, your loved ones who survive you…protection against financial hardships that would occur if you are not alive. But what do you get out of it? Well, the biggest fallacy of life insurance is that you have to die in order to use it. That’s simply not true. First and foremost, you get something that in many other ways money can’t buy. That’s peace of mind knowing that if for some reason you’re not here to pay the mortgage, help the kids through school, help your grandkids afford college…that you can still help them live well and grow. But in addition to that, there are a number of ways you can use life insurance to help make life less stressful for you and your family today and also to achieve your life goals.

12 El Seguro de Vida es para la Vida …Life insurance is the foundation of a solid financial plan There are four components to a financial plan; budgeting and saving, protecting what you have, investing for the future, and planning for retirement

13 El Seguro de Vida es para la Vida …Objetivos de presupuesto y ahorros Ingresos Gastos Costos de estilo de vida Urgencias/oportunidades Instrumentos de presupuesto y ahorros Cuenta de cheques Cuenta de ahorros Fondos del mercado de dinero [Review bullets and relate them to the specific audience demographics and interests in the room]

14 El Seguro de Vida es para la Vida …Objetivos de protección Familia Propiedad Ingresos Ahorros Instrumentos de protección Testamentos/Fideicomisos Seguro de automóvil/propiedad Seguro médico Póliza de responsabilidad integral personal Seguro de vida: A término/Universal/Completo Cuidado a largo plazo/Seguro por discapacidad [Review bullets and relate them to the specific audience demographics and interests in the room]

15 El Seguro de Vida es para la Vida …Objetivos del ingreso de jubilación Gastos de vida Viajes Atención médica Herencia Instrumentos del ingreso de jubilación Pensiones Ingreso de Seguro Social Inversiones Anualidades Seguro de vida universal y completo [Review bullets and relate them to the specific audience demographics and interests in the room]

16 El Seguro de Vida es para la Vida …Objetivos de la inversión Jubilación Planificación de estudios universitarios Iniciativas comerciales Instrumentos de inversión Pensiones Ingreso de Seguro Social Inversiones Anualidades Planificación de impuestos [Review bullets and relate them to the specific audience demographics and interests in the room]

17 Preguntas Claves ¿Cuánto seguro de vida debe tener?¿Durante cuánto tiempo necesitará el seguro de vida? ¿Cuál es su presupuesto para la cobertura? ¿Qué tipo de cobertura es la correcta? “When buying life insurance, there are some important questions to answer.” “First, we need to determine how much life insurance you should own. There is really no single right answer to this question. Everyone’s situation is different and it’s hard to make generalizations. A good rule of thumb can range anywhere from 5 to 10 times your annual gross salary. Using this method, someone who earns $50,000 dollars per year should buy between $250,000 and $500,000 dollars of life insurance. But this only provides a ballpark figure, which could be inappropriate for your specific needs. We have additional tools that take into consideration other factors such as your savings, debt, and children’s college education.” “Second, we need to look at how long the life insurance coverage is needed. Some life insurance is only required for temporary needs such as covering a 30 year mortgage. In other situations, coverage is needed to last for the rest of your life. Again, it’s based on your specific situation and your needs.” “Third, how much are you able to pay for the coverage. Everyone’s budget is different and some products cost more than others. It’s my job to make sure you are adequately covered for what you can afford.” “And finally, what type of life insurance coverage is right for you?”

18 Tipos Básicos de Seguro de VidaA Término (como alquiler) Las Primas son módicas y garantizadas para permanecer durante el mismo período Cobertura para un período limitado Sin valor en efectivo: la cobertura puede continuar pasado el término establecido (en algunas pólizas), pero las primas aumentarán, a menudo, de manera significativa. Permanente (como compra) Las Primas pueden ser flexibles según el producto y pueden cambiar en el tiempo y bajo circunstancias determinadas Cobertura de por vida cuando se realizan los pagos necesarios Crea valor en efectivo* “Term policies are temporary and provide life insurance coverage for a specific period of time.” [Cover bullets as needed] “Permanent policies are typically designed to last a lifetime and offer the potential to accumulate a cash value which can be withdrawn or borrowed against if needed.” * Los préstamos o los retiros parciales pueden reducir el valor en efectivo de la póliza y el beneficio por fallecimiento, aumentar la posibilidad de caducidad de la póliza y pueden generar una deuda fiscal. Consulte con un asesor para obtener más información sobre el tratamiento de impuestos de préstamos o retiros de una póliza de seguro de vida

19 Qué Pueden Hacer Por UstedA Término (como alquiler) Proteger su ingreso Proteger su hipoteca Los procedimientos de beneficio por fallecimiento pasan a los beneficiarios libres de impuestos Protege su asegurabilidad Protegido frente a los acreedores Permanente (como compra) Provee flexibilidad financiera* Provee un préstamo Flexibilidad en pagos de prima Los procedimientos de beneficio por fallecimiento pasan a los beneficiarios libres de impuestos* Protección personalizada para adaptarse a otras necesidades “Term and permanent insurance offer different benefits. What’s right for you depends on your unique needs. Life insurance can be very customizable based on your personal situation. That’s why it’s important to know what’s available and how it all works. When you do, you’ll be sure you’re insuring all the important things in your life and not over-insuring anything. That’s where I can help you with a good fit to help you feel confident you’ve done all the right things. ” [Presenter should read each point and explain what it means] “Term insurance is what people think of as “regular” life insurance. You pay a premium for a defined term of coverage: Protect your income: If you die, your family will receive cash or a cash flow that replaces your income Protect your mortgage: Likewise, there would be money to pay off your mortgage Death benefit proceeds pass…: There are no income taxes on death benefits, so your family receives the entire cash benefit Protects your insurability: Once you are accepted, even if your health declines you are still covered Protected from creditors: If you or your family is sued or file for bankruptcy, life insurance benefits are ‘off limits’ to creditors” “On the Permanent side, you pay premiums for your lifetime and are covered until you die. The benefits are a little different than Term insurance: Provide financial flexibility Provide a loan: Your policy builds cash value you can often borrow against Flexibility in premium payments to fit fluctuations in your budget Death benefit proceeds pass…: Like Term insurance, there are no income taxes on death benefits, so your family receives the entire cash benefit Customizable to accommodate other needs: Many different kinds of permanent policies are offered that can provide different levels of protection for different stages of your life and the unique protection needed” Excepto para “transferencia de valor”, posible Impuesto mínimo alternativo (AMT, por su sigla en inglés) corporativo y cierto seguro de vida perteneciente al empleador

20 Seguro Personalizado Joe & EmilyLA VIDA BUENA PLANIFICAR EL FUTURO HACERLO POSIBLE EMPEZAR 18-25 26-35 36-55 56-70 71+ Joe & Emily CREAR UN ESTILO DE VIDA FORMULAR UN PRESUPUESTO ENCONTRAR UN TRABAJO GRADUARSE DE LA UNIVERSIDAD CONSTRUIR UNA CARRERA CRIAR UNA FAMILIA COMPRAR UNA CASA PROTEGER A USTED Y SUS FAMILIARES INGRESOS, HIPOTECA, INCAPACIDAD AHORRAR PARA LA UNIVERSIDAD AHORRAR PARA LA JUBILACIÓN PLANIFICACIÓN DE LOS INGRESOS ATENCIÓN MÉDICA ATENCIÓN A LARGO PLAZO PROTECCIÓN PARA LA JUBILACIÓN/HERENCIA TRANSFERENCIA DE RIQUEZA “For example, let’s take a look at Joe and Emily’s life ... They’re in their early forties and have two children ages 11 and 9…”

21 Seguro Personalizado $225,000 — DOS HIJOS DE 11 Y 9 AÑOS DE EDADGASTOS DE EDUCACIÓN $225,000 — DOS HIJOS DE 11 Y 9 AÑOS DE EDAD PRÉSTAMO PERSONAL $125,000 — EMILY ESTÁ ESTUDIANDO ENFERMERÍA GASTOS DE VIVIENDA $250,000 — PAGOS RESTANTES DE LA HIPOTECA “…and they want to protect the cost of the kids education with $225,000. Emily wants to pursue a nursing degree that will cost $125,000. They need to protect their remaining mortgage of $250,000 and create a plan that could replace Joe’s annual income, if something were to happen.” REEMPLAZO DE LOS INGRESOS $400,000 — EL SALARIO ANUAL DE JOE ($80,000/AÑO X 5)

22 El Seguro de Vida es para la Vida …$1,000,000 — 10 años $225k GASTOS DE EDUCACIÓN $775,000 — 3 años $125k PRÉSTAMO PERSONAL $650,000 — 7 años $250k GASTOS DE VIVIENDA “As I said before, life insurance is really for the living. Some types of Life Insurance can be purchased to cover specific needs. Life insurance benefits can be used to make sure your family isn’t faced with immediately having to deal with difficult financial decisions during a time of trouble or grief.” [Review bullets and relate them to the specific audience demographics and interests in the room] Having a conversation about your specific needs and providing you with an illustration and a quote for the kinds of options that may be right for you doesn’t take much time at all. $400,000 — 6 años $400k REEMPLAZO DE LOS INGRESOS (póliza base) AÑOS 5 10 15 20 25 30

23 Lo Que Puede Hacer AhoraLlevar los registros de su familia organizados y actualizados Comunicar sus deseos por escrito Almacenar registros importantes e información esencial, ya sea con la ayuda de su abogado o en una caja fuerte Revisar su intención e información con sus herederos para ayudar a reducir la posibilidad de malas interpretaciones de sus deseos finales “So how do you get started? To help avoid confusion and stress for your family during an emotional time here are some helpful hints to get organized ... Keep family records organized and up to date [reference Facts of Your Life booklet for first two bullets] Communicate your wishes in writing Store important records and essential information either with your lawyer or in a lockbox in your home Review your intent and information with your heirs to help decrease the possibility of your final wishes being misunderstood” [Review bullets per your specific audience demographics and interests]

24 Hacer la Promesa Estaremos allí para asesorarlos Compromiso personalAyudar a sus beneficiarios a presentar los reclamos Asegurar un proceso fluido y rápido Entregar el cheque de manera personal Enfoque compasivo “We’ve been talking a lot about buying life insurance and what it can do for you. But at the end of the day, the death benefit is what gives you the most peace of mind. It’s that feeling of knowing your beneficiaries, your loved ones, will be taken care of. And while the financial aspect is certainly of utmost importance, receiving the claim check may involve unnecessary stress or delays if the claims process doesn’t go smoothly. This can happen for any number of reasons. Many times people are so upset they don’t have the capacity they normally have. Or they’re not familiar with Allstate and if they have questions, they don’t know who to contact.” “That’s why I’ll make a personal commitment to you here and now that either I or someone at my agency will personally and proactively help your beneficiaries through this process to assure a smooth and speedy claims process. We’ll reach out to them and introduce ourselves as your representative, help them fill out the claim forms, and assure a quick result with compassionate resolve. And whenever feasible, we’ll even hand deliver the proceeds check. It’s because we don’t just sell life insurance, we stand by the promise it represents.”

25 Herramientas y RecursosInformación de Allstate de Su Guía de Vida Hoja de Cálculo de las Necesidades de Seguro de Vida Herramienta LifeTrek en allstate.com Su abogado personal o asesor de impuestos Su agente de Allstate o representante financiero de Allstate “To help you prepare for making decisions about life insurance, we have some excellent resources to share.” [This is when you can hand out the Facts of Your Life brochure]

26 Próximos Pasos Discutir su situación con su pareja, otra persona importante en su vida o la familia Determinar los herederos apropiados, designados, ejecutores y tutores Póngase en contacto con su abogado para establecer una reunión inicial Complete y ejecute los documentos aplicables Póngase en contacto con un profesional financiero para tratar los temas de la estrategia de protección y los pasos adicionales “And next steps? You’ve taken the first step by attending this seminar. These are some things you need to think about and some actions to take. And remember guidance from Allstate is included in your relationship. I’m here to help you make the best decisions possible about protecting your good life.” [Review bullets with the audience]

27 ¡Comencemos! Incluido en su relación Allstate: Recursos valiososConocimiento de expertos Ayuda con el plan Soluciones de seguro exclusivas Confianza y tranquilizad para su buena vida “As we said before, your Allstate relationship with our agency gives you valuable resources, expert knowledge, help with a plan - and unique insurance solutions to fit your life today and down the road, as well as confidence and the peace of mind that goes with it.”

28 Hablando de Confianza …Ahora tiene el poder del conocimiento... y la protección ¡Gracias! [Pass out the seminar assessment] “I’d appreciate it if you’d help us by taking a brief survey about this seminar. I’ll pass it out right now. It’s just seven quick questions about your opinions about the seminar and how we can improve it in the future.” “Thank you for attending. It has been my pleasure to spend time with you. If you’d like to schedule some time to sit down and discuss your unique situation please let me or one of my agency staff know. We are here to help!”

29 Exención de ResponsabilidadEste material solo tiene propósitos educativos generales. Observe que Allstate Life Insurance Company o sus agentes y representantes no pueden brindar consejos legales o sobre impuestos. Es posible que el desarrollo breve de impuestos en esta presentación no esté completo o actualizado. Las leyes y los reglamentos son complejos y están sujetos a cambios. Para obtener detalles completos, consulte a su abogado o asesor de impuestos. Nuestros representantes financieros personales ofrecen valores mediante Allstate Financial Services, LLC (Valores LSA en LA and PA). Agente de bolsa registrado. Miembro de FINRA, SIPC. Oficina principal: 2920 South 84th Street, Lincoln, NE (877) Verifique los antecedentes de esta empresa en el sitio web de FINRA, BrokerCheck, El seguro de vida se ofrece mediante Allstate Life Ins. Co. y Allstate Assurance Co., Sanders Rd, Northbrook, IL 60062; Lincoln Benefit Life Co., 1221 N St. Ste 200, Lincoln, NE 68508; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville, FL  En Nueva York, el seguro de vida se ofrece mediante Allstate Life Insurance Company of New York, Hauppauge NY. ©2017 Allstate Insurance Company ALR2727SP (01/17)