Best’s Key Rating Guide Presentation ReportThis A.M. Best report is provided compliments of:

Company: Your Agency NameAddress: Your Address

Your City, NJ 00000

Contact: Your NameTitle: Your TitlePhone: Your PhoneEmail: Youremail@anywhere.com

002017 Allstate Insurance Company

Company Information

AMB #: 002017 NAIC #: 19232 FEIN: 360719665 Domicile: Illinois

Address and Phone: Organization Type: Stock

3075 Sanders Road, Suite G2H Marketing Type: Exclusive/Captive Agent

Northbrook, IL 60062-7127

847-402-5000

US Specialty Lines: Personal Lines

Year Commenced Business: 1931 Parent AMB#-Name: 052284 - Allstate Insurance Holdings, LLC

Top Officer: Matthew E. Winter, Chairman, President & CEO Ultimate Parent AMB#-Name: 058312 - The Allstate Corporation

Best’s Credit Ratings

Best’s Financial Strength Rating: A+ (04/07/2016) Outlook: Stable

Best’s Long-Term Issuer Credit Rating: aa- (04/07/2016) Outlook: Stable

Financial Size Category: XV ($2 Billion or Greater)

Best’s Rating History

Rating Date BEST’S FSR BEST’S ICR

04/07/2016 A+ (Superior) aa- (Superior)02/12/2015 A+ (Superior) aa- (Superior)01/31/2014 A+ (Superior) aa- (Superior)01/31/2013 A+ (Superior) aa- (Superior)01/26/2012 A+ (Superior) aa- (Superior)

States Licensed

States & Territories Licensed: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK,OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Licensed for Reinsurance: None

Approved for Reinsurance: None

Reinsurance (Other): None

Surplus Lines Writer: None

Authorized under the Risk Retention Act: None

Qualified or Accredited Reinsurer: None

Principal States

States or Territories %

All Other 53.2New York 18.1California 11.2Florida 7.9Pennsylvania 5.1Louisiana 4.5

Principal States

All OtherNew YorkCaliforniaFloridaPennsylvaniaLouisiana

53.2 %

18.1 %

11.2 %

7.9 %

5.1 %4.5 %

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Best’s Key Rating Guide Presentation Report

002017 Allstate Insurance Company

Principal Lines

Lines of Business %

Priv Pass Auto Liab 39.1Auto Physical 29.7Homeowners 26.0Com’l MultiPeril 2.4All Other 1.9Comm’l Auto Liab 0.9

Principal Lines

Priv Pass Auto LiabAuto PhysicalHomeownersCom’l MultiPerilAll OtherComm’l Auto Liab

39.1 %

29.7 %

26.0 %

2.4 %1.9 %

0.9 %

Balance Sheet

2011 2012 2013 2014 2015

Cash & Short-Term Invest (%) -1.0 0.0 0.7 -0.3 0.6

Stocks and Bonds (%) 74.8 74.7 75.6 76.9 75.7

All Other Assets (%) 26.2 25.4 23.7 23.4 23.8

Total Assets ($000) 41,023,043 42,133,105 43,733,282 43,246,270 43,271,170

Loss Reserves (%) 58.2 56.0 55.0 54.4 55.5

Unearned Premiums (%) 32.5 33.2 33.9 35.0 35.0

All Other Liabilities (%) 9.2 10.7 11.1 10.6 9.5

Total Liabilities ($000) 25,896,376 25,872,227 26,478,545 26,980,708 27,952,898

Policyholders’ Surplus ($000) 15,126,667 16,260,878 17,254,737 16,265,563 15,318,272

Balance Sheet

2011 2012 2013 2014 2015-2%

8%

18%

28%

38%

48%

58%

68%

78%

88%

Cash & Short-Term Invest (%) Stocks and Bonds (%) All Other Assets (%)Loss Reserves (%) Unearned Premiums (%) All Other Liabilities (%)

Balance Sheet

2011 2012 2013 2014 20150

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

Total Assets ($000) Total Liabilities ($000) Policyholders’ Surplus ($000)

Operations

2011 2012 2013 2014 2015

Direct Premiums Written ($000) 8,707,630 8,225,469 7,741,648 7,288,913 6,734,916

Net Premiums Written ($000) 23,547,740 24,193,418 25,108,519 26,453,381 27,774,297

Business Net Retention (%) 98.0 98.0 98.1 98.3 98.6

Net Underwriting Income ($000) -992,612 925,944 1,377,788 1,297,194 1,133,259

Net Investment Income ($000) 1,164,531 1,140,074 1,129,421 1,220,184 1,411,718

Pretax Operating Income ($000) 342,259 2,221,770 2,711,421 2,656,018 2,655,494

Net Income ($000) 222,955 1,950,401 2,465,456 2,313,797 1,705,438

Operations

2011 2012 2013 2014 20150%

20%

40%

60%

80%

100%

Business Net Retention (%)

Operations

2011 2012 2013 2014 2015-1,000,000

4,000,000

9,000,000

14,000,000

19,000,000

24,000,000

29,000,000

Direct Premiums Written ($000) Net Premiums Written ($000)Net Underwriting Income ($000) Net Investment Income ($000)Pretax Operating Income ($000) Net Income ($000)

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Best’s Key Rating Guide Presentation Report

002017 Allstate Insurance Company

Profitability Tests

2011 2012 2013 2014 2015

Loss Ratio (X) 78.4 69.4 66.4 68.0 70.1

Expense Ratio (X) 25.7 26.5 27.6 26.5 25.5

Combined Ratio After Policyholders’ Dividends (X) 104.1 95.9 94.0 94.5 95.6

Operating Ratio (X) 99.1 91.2 89.4 89.8 90.4

Pretax Return On Revenue (%) 1.5 9.3 11.0 10.2 9.7

Yield on Invested Assets (%) 3.4 3.2 3.1 3.3 3.9

Return on PHS (%) 1.8 16.0 18.3 16.6 9.5

Profitability Tests

2011 2012 2013 2014 20150%

20%

40%

60%

80%

100%

120%

Loss Ratio (X) Expense Ratio (X)Combined Ratio After Policyholders’ Dividends (X) Operating Ratio (X)Pretax Return On Revenue (%) Yield on Invested Assets (%) Return on PHS (%)

Leverage Tests

2011 2012 2013 2014 2015

Change in NPW (%) 0.3 2.7 3.8 5.4 5.0

NPW to PHS (X) 1.6 1.5 1.5 1.6 1.8

Net Leverage (X) 3.3 3.1 3.0 3.3 3.6

Gross Leverage (X) 3.4 3.3 3.2 3.6 3.9

Reinsurance Recoverables to PHS (%) 15.1 19.2 21.1 26.2 26.9

Leverage Tests

2011 2012 2013 2014 20150%

5%

10%

15%

20%

25%

30%

Change in NPW (%) NPW to PHS (X) Net Leverage (X) Gross Leverage (X)Reinsurance Recoverables to PHS (%)

Liquidity Tests

2011 2012 2013 2014 2015

Quick Liquidity (%) 17.9 15.3 18.1 17.2 18.2

Current Liquidity (%) 98.6 103.3 109.3 106.6 102.5

Overall Liquidity (%) 158.7 163.2 165.5 160.6 155.0

Operating Cash Flow ($000) 406,632 1,500,711 2,563,836 2,159,064 2,758,522

Class 3-6 Bonds (% of PHS) 13.1 18.7 22.8 23.7 38.1

Liquidity Tests

2011 2012 2013 2014 20150%

20%

40%

60%

80%

100%

120%

140%

160%

180%

Quick Liquidity (%) Current Liquidity (%) Overall Liquidity (%)Class 3-6 Bonds (% of PHS)

Liquidity Tests

2011 2012 2013 2014 20150

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

Operating Cash Flow ($000)

Loss Reserve Tests

2011 2012 2013 2014 2015

Development to PHS (%) -3.7 -1.3 -0.2 1.0 0.0

Loss and LAE Reserves to PHS (%) 99.7 89.2 84.3 90.2 101.2

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Best’s Key Rating Guide Presentation Report

002017 Allstate Insurance Company

Loss Reserve Tests

2011 2012 2013 2014 2015-5%

15%

35%

55%

75%

95%

115%

Development to PHS (%) Loss and LAE Reserves to PHS (%)

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. The ratings are not assigned to specific insurance policies or contracts and do notaddress any other risk, including, but not limited to, an insurer’s claims-payment policies or procedures; the ability of the insurer to dispute or deny claims payment on grounds of misrepresentation or fraud; or anyspecific liability contractually borne by the policy or contract holder. A Best’s Financial Strength Rating is not a recommendation to purchase, hold or terminate any insurance policy, contract or any other financialobligation issued by an insurer, not does it address the suitability of any particular policy or contract for a specific purpose or purchaser.

A Best’s Debt/Issuer Credit Rating is an opinion regarding the relative future credit risk of an entity, a credit commitment or a debt or debt-like security.

Credit risk is the risk that an entity may not meet its contractual, financial obligations as they come due. These credit ratings do not address any other risk, including but not limited to liquidity risk, market valuerisk or price volatility of rated securities. The rating is not a recommendation to buy, sell or hold any securities, insurance policies, contracts or any other financial obligations, nor does it address the suitability ofany particular financial obligation for a specific purpose or purchaser.

In arriving at a rating decision, A.M. Best relies on third-party audited financial data and/or other information provided to it. While this information is believed to be reliable, A.M. Best does not independently verifythe accuracy or reliability of the information. Any and all ratings, opinions and information contained herein are provided "as is," without any express or implied warranty.

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Copyright © 2016 A.M. Best Company, Inc. and/or its affiliates. ALL RIGHTS RESERVED.No part of this report may be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written permission of the A.M. Best Company.

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