Doing it the
Are you a spreadsheet organization? If so, this is where
we offer our most competitive rates:
• Customers 65+.
Doing it the
If you’re an organization focused on value, we offer:
Doing it the
• A no-cost premium refund feature that allows qualifying
customers a favorable way out of their policy after the
7th anniversary. 1
The LBL Way is
our promise to
• A catch-up provision so that when things don’t go exactly as planned, customers can make up missed premium payments and keep their policy guarantees. 2, 3
you. A promise
to provide the best
support and create
Doing the best to
Let LBL help you. We provide tools and support to help you
make a true difference for those you serve:
• Competitive underwriting.
At LBL, WE CARE.
– Healthy Credits
– Age last birthday pricing
• Premier Sales Team for dedicated sales support.
• lblsales.com for everything else.
1 Liquidity Guarantee Rider is not available with Death Benefit Option 2, flat extras, or
ratings over Table 4. Percentage of premium available varies by issue age, class, face
amount, policy year, and by the amount and timing of premium payments. The amount
is capped at 50% of the policy face amount and is reduced by withdrawals, policy
debt, and charges incurred for other riders on the policy. Receipt of benefits and benefit
amounts are subject to the terms of the policy.
2 The death benefit is only guaranteed if all planned premium payments are made on time.
3 Federal tax law limits the amount of premium that a policy owner can pay into a life
insurance policy relative to the benefits provided. Consequently, maximum premium
limitations could hamper the policy owner’s ability to catch up.
Healthy Credits is a proprietary underwriting program from LBL. This is a summary of
the program. To find out more about Healthy Credits, contact the home office or your
marketing organization. Underwriting decisions take into account a wide range
of information and may vary based on the specifics of each case.
Loans or partial withdrawals can reduce the policy’s cash value and death benefit, can
increase the possibility of policy lapse, and may result in a tax liability. Consult a tax
advisor for additional information on the tax treatment of loans or withdrawals from a
life insurance policy.
All guarantees are based on the claims-paying ability of Lincoln Benefit Life Company.
Neither Lincoln Benefit Life nor its agents and representatives can give legal or tax
Legacy Secure UL® is a flexible premium universal life insurance policy issued by
Lincoln Benefit Life Company, Lincoln, NE, a wholly owned subsidiary of Allstate
Life Insurance Company, Northbrook, IL. Legacy Secure UL® is available in most
states with contract series UL0610 and rider series UL0611, UL0612-1, UL0619,
UL0416, UL0615, UL0614, and UL0613. Policy issuance is subject to availability
and qualifications. This policy has exclusions, limitations, and terms that may affect
coverage, renewal, cancellation, termination, or other contractual rights and benefits.
by any federal
or credit union
© 2013 Allstate Insurance Company
FOR BROKER/DEALER OR AGENT USE ONLY – Not for public dissemination. May
not be distributed, reprinted, or shown to the public in oral, written, or electronic form
as sales material.