Not yet rated
Not yet rated
Allstate sells term and permanent life insurance coverage through various partner companies.
Rating Breakdown
Financial strength rating
Strong
Online purchase
No
NAIC complaints
Far more than expected
Policies offered
Term & permanent
A good fit for Allstate customers who want to manage all insurance in one place.
Check out our list of the best life insurance companies for 2026 if you want to buy coverage from an insurer directly.
- Why doesn’t this company have a star rating?
We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating for insurers that work with multiple third parties to underwrite their policies. That’s because the quality of the policy you get may vary depending on the coverage options, financial strength and other factors of each separate underwriting company.
About Allstate life insurance
Allstate's agents offer term and permanent life insurance policies from partner carriers such as John Hancock and Protective Life. Because Allstate offers a range of other policies, including homeowners and auto insurance, it may be a convenient option for shoppers looking to buy all their insurance from one company.
» MORE: Best life insurance companies
Where Allstate stands out
Allstate offers a solid lineup of life insurance, including more complicated policies like variable life. You may also be eligible for discounts if you’re bundling life insurance with other Allstate policies such as home or auto insurance.
Where Allstate falls short
Allstate’s policies aren’t available in every state and the coverage being offered comes from third-party insurance companies and not Allstate itself. You’ll also need to work with an agent to get a policy.
Allstate life insurance policies
Term life insurance. Allstate sells term life insurance policies nationwide. Through the company's network of agents, you can purchase a policy from one of Allstate’s partner insurers. Policies from John Hancock, Protective Life, Foresters Financial and Lincoln Financial are available in all states except New York, while Corebridge Financial issues policies in all U.S. states. In New York, policies come from Protective Life.
The amount of coverage you can buy depends on the insurer issuing the policy, though you won’t need to take a medical exam in many cases.
Permanent life insurance. If you’re in the market for a permanent policy, you can purchase whole life insurance, universal life insurance, indexed universal life insurance and variable universal life insurance through one of Allstate’s agents.
Once purchased, policies are managed by the issuing partner. For example, if you buy a Protective Life term life policy from Allstate, your policy will be managed by Protective Life.
» MORE: Compare life insurance quotes
How Allstate’s customer experience stacks up
Allstate’s website is easy to navigate, and there’s an option to get a term life insurance quote right from the homepage. The site offers basic information about life insurance and who needs it, plus specifics about each type of policy the company sells. For those who need support, the site makes it easy to find an Allstate agent near you.
We called Allstate’s customer service line to ask questions about term life insurance. Because we didn’t have an existing policy, we had a hard time navigating the company’s maze of automated prompts, many of which asked for our policy number. We eventually gave up. A prospective customer would likely have better luck reaching out to a local agent instead.
We also tried the company’s chat feature. Although it starts with a bot, we were quickly connected to a live representative. However, the person said Allstate doesn’t offer service for life insurance policies via the chat.
Allstate has a mobile app for iPhone and Android, which may be useful if you have auto or other policies with the company — but you can’t use it to manage an Allstate life insurance policy.
What it’s like to apply for a policy with Allstate
You can get a term life insurance quote on its own or as part of a bundle with other Allstate products, like auto or homeowners insurance.
Screenshot captured by our editorial team on Nov. 2, 2025.
On the first screen of the life insurance application, the company asks for basic information including your name, address and date of birth. The next series of screens ask about your height, weight, gender, U.S. citizenship status, medical history and lifestyle.
To proceed with the online quote, you’ll need to provide an email address and phone number, and consent to receive marketing calls or text messages. Otherwise, you can call the company to complete your quote.
Screenshot captured by our editorial team on Nov. 2, 2025.
More about Allstate
Life insurance aside, Allstate offers a range of property and casualty insurance products. For details, see our reviews:
The company offers discounts for bundling policies together, so existing customers may find extra savings.
How to contact Allstate
Allstate can be reached by:
Phone: Call customer service on 800-726-6033, available 24/7.
Email: Fill out the form on Allstate’s website.
Live chat: Allstate’s chat feature starts with a bot but can connect you with a live representative.
