You bought a life insurance policy from Allstate, and now the statement in your hand says Everlake, or the number you used to call goes somewhere new. That is the most common reason people land on this page.
Here is the honest answer: your coverage did not disappear, and you can get independent Allstate life insurance policy help from someone who is not trying to sell you anything. We are Policy Review Center, an independent review service. We are not Allstate, Everlake, or Wilton Re, and we are not affiliated with any of them. We just read policies for a living, including the ones Allstate issued over the years, and tell people in plain English how theirs works and what their options are.
Have an Allstate life policy question? A free, no-pressure conversation with a licensed professional who will read it with you in plain English.
Getting help with an Allstate life insurance policy
Yes, you can still get help with a life policy that says Allstate on the cover, and the first step is knowing who to call. There are two kinds of help available. One is the servicing company’s own line, which you reach using the number on your most recent statement or premium notice. The other is an independent review, which is what we do.
The servicing part deserves a plain explanation, because it trips people up. In 2021, Allstate completed the sale of its life and annuity businesses. Allstate Life Insurance Company was sold to entities managed by Blackstone and renamed Everlake Life Insurance Company. Policies issued in New York through Allstate Life Insurance Company of New York were sold to Wilton Re. Neither sale changed the contract you hold. The death benefit, the premium, and any cash value carried over exactly as written. What changed is the company name on your mail and the people who answer the phone.
Here is where we fit, in plain terms. What we are: an independent service that reads your policy with you, explains how it works, and helps with the day-to-day tasks like confirming who services the policy, billing questions, beneficiary changes, and reaching the right company when you cannot get through. Because of the volume we do with over 20 A-rated carriers, we have direct contacts at every carrier we work with. What we are not: we are not Allstate, Everlake, or Wilton Re, we are not affiliated with them, and we are not here to talk you into replacing anything. We name them only to be clear about whose policies we can help you read.
Common reasons people call about an Allstate life policy
Most calls come down to one of a handful of everyday tasks. None of them require you to know insurance jargon, and none of them require you to know which company holds the policy now. Here are the ones we see most, and what each one usually involves.
| Reason people call | What it usually involves |
|---|---|
| Confirming who services the policy | Working out whether Everlake, Wilton Re, or another insurer now handles a policy Allstate issued |
| Billing and payments | A draft that changed names, a missed or duplicate payment, a paid-through date, switching how you pay |
| Beneficiary changes | Adding, removing, or updating who receives the death benefit |
| Finding a lost policy | Confirming an older Allstate policy is in force when the paperwork is missing |
| Claims and death benefits | Filing a claim and getting the payout to the named beneficiaries |
| Cash value and policy loans | What a permanent policy has built and what you can borrow or withdraw |
| Keeping or replacing coverage | Whether your current policy still fits, in plain terms |
The most common reasons owners of Allstate life policies ask for help. What applies to you depends on your policy type and terms.
A note on the first row, because it is the big one for this carrier. Allstate still sells protection products through its agencies, and its agents now offer life insurance from third-party providers. So “Allstate life insurance” can mean a policy Allstate issued years ago, now serviced by Everlake or Wilton Re, or a newer policy an Allstate agent placed with a different insurer entirely. Your statement settles it: the company named there is the one that services your coverage. Sorting that out is exactly the kind of thing a policy review is built to clear up.
Need a hand with one of these? A licensed professional can read your Allstate life policy with you and reach the servicing company on your behalf. Free, no pressure, no obligation.
Before you call: what to have ready
A two-minute prep makes any call faster, whether you are calling the servicing company or us. Having a few details in front of you means the person on the other end can pull up the right record and answer the actual question instead of asking you to call back. Here is what helps:
- The policy number. It is on your statement, your premium notice, or the original Allstate policy packet. It is the fastest way to pull up the right record, no matter which company services it now.
- The insured’s name and date of birth. The insured is the person whose life the policy covers. The servicing company uses this to verify the record if the policy number is missing.
- A recent statement or premium notice. This shows the current servicer’s name, the status, the paid-through date, the premium, and on a permanent policy the current cash value.
- Any claim documents, if you are calling about a death claim. A certified death certificate and the policy information are the two things the insurer needs to start.
Thinking about canceling an Allstate life policy? Read this first
Before you cancel anything, it is worth knowing that canceling outright is usually the option that keeps the least value. Allstate issued both term and permanent policies over the years, and on the permanent ones there are several middle paths that hold on to part of what you have already paid for. Here they are, side by side.
| Alternative | What it does | When it tends to fit |
|---|---|---|
| Reduced paid-up | Stop paying premiums and keep a smaller, fully paid policy | You want to stop paying but keep some coverage |
| Policy loan | Borrow against the cash value instead of canceling | You need cash but want the policy to stay in force |
| Lower the face amount | Keep the policy but reduce the death benefit and the premium | The premium is the problem, not the coverage itself |
| 1035 exchange | Move the value tax-free into a different policy | A different policy fits better and you want to keep the value |
| Keep what you have | Make no change at all | The coverage still fits your life and beneficiaries |
Alternatives to canceling outright. Availability and terms vary by policy and carrier; a licensed professional can confirm what your contract allows.
And here is the part worth saying plainly. If your coverage still fits your life, the amount still matches what your family needs, and your beneficiaries are current, the right move is often to keep exactly what you have. The sale to Everlake is not, by itself, a reason to change anything. A review that ends in “keep your policy” is a successful review. The alternatives above, including a surrender or a 1035 exchange, only make sense when the policy no longer fits, and a licensed professional can tell you which case you are in.
How a free policy review works
A review is a short, no-obligation conversation. There is no cost and no pressure to change anything. It is three steps.
- 1.You bring what you have. The policy number, a recent statement, and your questions. If all you have is an old Allstate packet, that is fine. We start from wherever you are.
- 2.A licensed professional reads it with you. They confirm who services the policy now, explain how it actually works, check that the amount and beneficiaries still match your life, and answer the question that prompted the call.
- 3.You decide. You hear plainly whether to keep it, adjust it, or look at options. The decision is always yours, and “keep what you have” is a perfectly good outcome.
Want the bigger picture on how carriers stack up today? Our guide to the best life insurance companies covers the market carrier by carrier. If your question is about the tax side of a payout, our guide on whether life insurance is taxable covers the general rules in plain English.
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Get a plain-English read on your Allstate life policy.
A licensed professional will read your policy with you, confirm who services it now, sort out the billing, beneficiary, or claim question, and tell you plainly whether to keep it, adjust it, or look at options. We are independent, not Allstate and not Everlake, and if your coverage is on track you will hear exactly that.
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Questions people ask about Allstate life insurance policy help
01Who services my Allstate life insurance policy now?
For most people, Everlake Life Insurance Company. Allstate sold Allstate Life Insurance Company in 2021, and the company was renamed Everlake under its new ownership. Policies issued in New York through Allstate Life Insurance Company of New York were sold to Wilton Re. Your most recent statement or premium notice shows exactly who services yours, and a licensed professional can help you confirm it.
02Is my Allstate life insurance policy still good after the sale?
Yes. The sale changed who owns and services the company, not the contract you hold. The death benefit, the premium schedule, and any cash value all continue under the same policy terms. The practical change is the name on your statements and the number you call for service.
03Does Allstate still sell life insurance?
Allstate stopped issuing its own life and annuity products when it exited that business in 2021. Allstate agents and exclusive financial specialists now offer life insurance from third-party providers instead. If you bought an Allstate-issued life policy before the sale, a successor company services it, most commonly Everlake.
04How do I change the beneficiary on an Allstate life policy?
You submit a beneficiary change request to whichever company services the policy now, usually a short form with the insured’s name, the policy number, and the new beneficiary details. Only the policy owner can make the change. We help our clients complete and file these requests so they go through correctly the first time.
05How do I file a death claim on an Allstate life insurance policy?
You notify the servicing company, most often Everlake, and submit a claim form along with a certified death certificate and the policy information. The insurer reviews the claim and pays the named beneficiaries. A life insurance death benefit is generally paid income-tax-free under IRC §101. We can walk a family through the paperwork and reach the right company on their behalf.
06Should I cancel my Allstate life insurance policy?
Often no, at least not before weighing the alternatives. A reduced paid-up option, a policy loan, a lower face amount, or a 1035 exchange can each keep value that canceling outright gives up. And if the coverage still fits your life and your beneficiaries are current, keeping it is usually the right call. A free review lays the options out plainly.