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Allstate Advisor + Allstate Variable Annuities

The Allstate Advisor Variable Annuities

(Advisor, Advisor Plus, Advisor Preferred)

Allstate Life Insurance Company

Street Address: 5801 SW 6th Ave., Topeka KS, 66606-0001

Mailing Address: P.O. Box 758566, Topeka, KS 66675-8566

Telephone Number: 1-800-457-7617

Fax Number: 1-785-228-4584

Prospectus dated April 29, 2016

Allstate Life Insurance Company (“Allstate Life”) is offering the following individual and group flexible premium deferred variable annuity contracts (each, a “Contract”):

• Allstate Advisor

• Allstate Advisor Plus

• Allstate Advisor Preferred

This prospectus contains information about each Contract that you should know before investing. Please keep it for future reference. Not all Contracts may be available in all states or through your sales representative. Please check with your sales representative for details.

Each Contract currently offers several investment alternatives (“investment alternatives”). The investment alternatives include fixed account options (“Fixed Account Options”), depending on the Contract, and include various* variable sub-accounts (“Variable Sub-Accounts”) of the Allstate Financial Advisors Separate Account I (“Variable Account”). Each Variable Sub-Account invests exclusively in shares of the following funds (“Funds”):

Fidelity^® Variable Insurance Products (Service Class 2)

Franklin Templeton Variable Insurance Products Trust (Class 2)

Lord Abbett Series Fund, Inc. (Class VC)

Oppenheimer Variable Account Funds (Service Shares)

Putnam Variable Trust (Class IB)

Invesco Variable Insurance Funds (Series I and II)

The Universal Institutional Funds, Inc. (Class I & II)

* Certain Variable Sub-Accounts may not be available depending on the date you purchased your Contract. In addition, certain Variable Sub-Accounts are closed to Contract Owners not invested in the specified Variable Sub-Accounts by a designated date. Please see pages 42-44 for information about Variable Sub-Account and/or Portfolio liquidations, mergers, closures and name changes.

Each Fund has multiple investment Portfolios (“Portfolios”). Not all of the Funds and/or Portfolios, however, may be available with your Contract. You should check with your sales representative for further information on the availability of the Funds and/or Portfolios. Your annuity application will list all available Portfolios.

For Allstate Advisor Plus Contracts, each time you make a purchase payment, we will add to your Contract value (“Contract Value”) a credit enhancement (“Credit Enhancement”) of up to 5% (depending on the issue age and your total purchase payments) of such purchase payment. Expenses for this Contract may be higher than a Contract without the Credit Enhancement. Over time, the amount of the Credit Enhancement may be more than offset by the fees associated with the Credit Enhancement.

We (Allstate Life) have filed a Statement of Additional Information, dated April 29, 2016, with the Securities and Exchange Commission (“SEC”). It contains more information about each Contract and is incorporated herein by reference, which means that it is legally a part of this prospectus. Its table of contents appears on page 92 of this prospectus. For a free copy, please write or call us at the address or telephone number above, or go to the SEC’s Web site (http://www.sec.gov). You can find other information and documents about us, including documents that are legally part of this prospectus, at the SEC’s Web site.

IMPORTANT NOTICES

The Securities and Exchange Commission has not approved or disapproved the securities described in this prospectus, nor has it passed on the accuracy or the adequacy of this prospectus. Anyone who tells you otherwise is committing a federal crime.

The Contracts may be distributed through broker-dealers that have relationships with banks or other financial institutions or by employees of such banks. However, the Contracts are not deposits in, or obligations of, or guaranteed or endorsed by, such institutions or any federal regulatory agency. Investment in the Contracts involves investment risks, including possible loss of principal.

The Contracts are not FDIC insured.

Table of Contents



	Page
Overview
Important Terms	ii
Overview of Contracts	1
The Contracts at a Glance	2
How the Contracts Work	7
Expense Table	8
Financial Information	12
Contract Features
The Contracts	13
Purchases	16
Contract Value	18
Investment Alternatives	42
The Variable Sub-Accounts	42
The Fixed Account Options	47
Transfers	51
Expenses	54
Access to Your Money	60
Income Payments	62
Death Benefits	71

Other Information
More Information	79
Taxes	83
Annual Reports and Other Documents	91
Statement of Additional Information Table of Contents	92
Appendix A – Allstate Advisor Contract Comparison Chart	A-1
Appendix B – Market Value Adjustment	B-1
Appendix C – Calculation of Income Protection Benefit	C-1
Appendix D – Withdrawal Adjustment Example – Income Benefits	D-1
Appendix E – Withdrawal Adjustment Example – Death Benefits	E-1
Appendix F – Calculation of Earnings Protection Death Benefit	F-1
Appendix G – Withdrawal Adjustment Example – TrueReturn Accumulation Benefit	G-1
Appendix H – SureIncome Withdrawal Benefit Option Calculation Examples	H-1
Appendix I – SureIncome Plus Withdrawal Benefit Option Calculation Examples	I-1
Appendix J – SureIncome for Life Withdrawal Benefit Option Calculation Examples	J-1
Appendix K – Accumulation Unit Values	K-1

(i)

Important Terms

This prospectus uses a number of important terms that you may not be familiar with. The index below identifies the page that describes each term.



	Page
AB Factor	19
Accumulation Benefit	19
Accumulation Phase	7
Accumulation Unit	12
Accumulation Unit Value	12
Allstate Life (“we”)	79
Annuitant	13
Automatic Additions Program	16
Automatic Portfolio Rebalancing Program	53
Beneficiary	14
Benefit Base (for the TrueReturn Accumulation Benefit Option)	19
Benefit Base (for the SureIncome Withdrawal Benefit Option)	28
Benefit Base (for the SureIncome Plus Withdrawal Benefit Option)	32
Benefit Base (for the SureIncome For Life Withdrawal Benefit Option)	36
Benefit Payment (for the SureIncome Withdrawal Benefit Option)	28
Benefit Payment (for the SureIncome Plus Withdrawal Benefit Option)	31
Benefit Payment (for the SureIncome For Life Withdrawal Benefit Option)	35
Benefit Payment Remaining (for the SureIncome Withdrawal Benefit Option)	28
Benefit Payment Remaining (for the SureIncome Plus Withdrawal Benefit Option)	31
Benefit Payment Remaining (for the SureIncome For Life Withdrawal Benefit Option)	35
Benefit Year (for the SureIncome Withdrawal Benefit Option)	28
Benefit Year (for the SureIncome Plus Withdrawal Benefit Option)	31
Benefit Year (for the SureIncome For Life Withdrawal Benefit Option)	34
Co-Annuitant	14
*Contract	12
Contract Anniversary	3
Contract Owner (“you”)	13
Contract Value	Cover
Contract Year	4
Credit Enhancement	Cover
Dollar Cost Averaging Program	52
Due Proof of Death	71
Earnings Protection Death Benefit Option	73
Enhanced Beneficiary Protection (Annual Increase) Option	72
Excess of Earnings Withdrawal	73

Fixed Account Options	47
Free Withdrawal Amount	57
Funds	5
Guarantee Option	67
Guarantee Period Account	47
Income Base	68
Income Plan	62
Income Protection Benefit Option	61
In-Force Earnings	73
In-Force Premium	73
Investment Alternatives	42
IRA Contract	4
Issue Date	7
Market Value Adjustment	6
Maximum Anniversary Value	3
Maximum Anniversary Value (MAV) Death Benefit Option	6
Payout Phase	7
Payout Start Date	62
Portfolios	62
Qualified Contract	12
Retirement Income Guarantee Options	67
Return of Premium Death Benefit	6
Rider Anniversary	18
Rider Application Date	3
Rider Date (for the TrueReturn Accumulation Benefit Option)	18
Rider Date (for the SureIncome Withdrawal Benefit Option)	28
Rider Date (for the SureIncome Plus Withdrawal Benefit Option)	32

(ii)



	Page
Rider Date (for the SureIncome For Life Withdrawal Benefit Option)	35
Rider Fee (for the TrueReturn Accumulation Benefit Option)	3
Rider Fee (for the SureIncome Withdrawal Benefit Option)	3
Rider Fee (for the SureIncome Plus Withdrawal Benefit Option)	3
Rider Fee (for the SureIncome For Life Withdrawal Benefit Option)	3
Rider Fee Percentage	27
Rider Maturity Date	18
Rider Period	18
Rider Trade-In Option (for the TrueReturn Accumulation Benefit Option)	27
Rider Trade-In Option (for the SureIncome Withdrawal Benefit Option)	30
Right to Cancel	17
SEC	Cover
Settlement Value	71
Spousal Protection Benefit (Co-Annuitant) Option	55
Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts	55
Standard Fixed Account Option	47
SureIncome Covered Life	35
SureIncome Option Fee	55
SureIncome Plus Option	31
SureIncome Plus Option Fee	55
SureIncome Plus Withdrawal Benefit Option	31
SureIncome For Life Option	34
SureIncome For Life Option Fee	55
SureIncome For Life Withdrawal Benefit Option	35
SureIncome ROP Death Benefit	71
SureIncome Withdrawal Benefit Option	28
Systematic Withdrawal Program	60
Tax Qualified Contract	86
Transfer Period Accounts	19
Trial Examination Period	2
TrueBalance^SM Asset Allocation Program	44
TrueReturn^SM Accumulation Benefit Option	18
Valuation Date	16
Variable Account	79
Variable Sub-Account	42
Withdrawal Benefit Factor (for the SureIncome Withdrawal Benefit Option)	29
Withdrawal Benefit Factor (For the SureIncome Plus Withdrawal Benefit Option)	32
Withdrawal Benefit Factor (for the SureIncome For Life Withdrawal Benefit Option)	35
Withdrawal Benefit Payout Phase (for the SureIncome Withdrawal Benefit Option)	28
Withdrawal Benefit Payout Phase (for the SureIncome Plus Withdrawal Benefit Option)	32
Withdrawal Benefit Payout Phase (for the SureIncome For Life Withdrawal Benefit Option)	35
Withdrawal Benefit Payout Start Date (for the SureIncome Withdrawal Benefit Option)	30
Withdrawal Benefit Payout Start Date (for the SureIncome Plus Withdrawal Benefit Option)	34
Withdrawal Benefit Payout Start Date (for the SureIncome For Life Withdrawal Benefit Option)	37
Withdrawal Benefit Option	28
Withdrawal Benefit Option Fee	56

* In certain states a Contract may be available only as a group Contract. If you purchase a group Contract, we will issue you a certificate that represents your ownership and that summarizes the provisions of the group Contract. References to “Contract” in this prospectus include certificates, unless the context requires otherwise. References to “Contract” also include all three Contracts listed on the cover page of this prospectus, unless otherwise noted. However, we administer each Contract separately.

(iii)

Overview of Contracts

The Contracts offer many of the same basic features and benefits.† They differ primarily with respect to the charges imposed, as follows:

• The Allstate Advisor Contract has a mortality and expense risk charge of 1.10%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 7% with a 7-year withdrawal charge period;

• The Allstate Advisor Plus Contract offers Credit Enhancement of up to 5% on purchase payments, a mortality and expense risk charge of 1.40%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 8.5% with an 8-year withdrawal charge period;

• The Allstate Advisor Preferred Contract with 5-year Withdrawal Charge Option (“Package III”) has a mortality and expense risk charge of 1.40%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 7% with a 5-year withdrawal charge period;

• The Allstate Advisor Preferred Contract with 3-year Withdrawal Charge Option (“Package II”) has a mortality and expense risk charge of 1.50%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 7% with a 3-year withdrawal charge period; and

• The Allstate Advisor Preferred Contract with No Withdrawal Charge Option (“Package I”) has a mortality and expense risk charge of 1.60%, an administrative expense charge of 0.19%*, and no withdrawal charges.

Other differences among the Contracts relate to available Fixed Account Options. For a side-by-side comparison of these differences, please refer to Appendix A of this prospectus.

† Some broker/dealers and banks may limit the purchase of optional benefits and may limit participation in certain programs. Your individual sales representative will describe any such limitations to you.

* The administrative expense charge may be increased, but will never exceed 0.35%. Once your Contract is issued, we will not increase the administrative expense charge for your Contract.

The Contracts at a Glance

The following is a snapshot of the Contracts. Please read the remainder of this prospectus for more information.



Flexible Payments	We are no longer offering new contracts. You can add to your Contract as often and as much as you like, but each subsequent payment must be at least $1,000 ($50 for automatic payments). We reserve the right to accept a lesser initial purchase payment amount for each Contract. We may limit the cumulative amount of purchase payments to a maximum of $1,000,000 in any Contract. For Allstate Advisor Plus Contracts, each time you make a purchase payment, we will add to your Contract Value a Credit Enhancement of up to 5% of such purchase payment.
Trial Examination Period	You may cancel your Contract within 20 days of receipt or any longer period as your state may require (“Trial Examination Period”). Upon cancellation, we will return your purchase payments adjusted, to the extent federal or state law permits, to reflect the investment experience of any amounts allocated to the Variable Account, including the deduction of mortality and expense risk charges and administrative expense charges. The amount you receive will be less applicable federal and state income tax withholding. If you cancel your Contract during the Trial Examination Period, the amount we refund to you will not include any Credit Enhancement. See “Trial Examination Period” for details.
Expenses	Each Portfolio pays expenses that you will bear indirectly if you invest in a Variable Sub-Account. You also will bear the following expenses: Allstate Advisor Contracts • Annual mortality and expense risk charge equal to 1.10% of average daily net assets. • Withdrawal charges ranging from 0% to 7% of purchase payments withdrawn. Allstate Advisor Plus Contracts • Annual mortality and expense risk charge equal to 1.40% of average daily net assets. • Withdrawal charges ranging from 0% to 8.5% of purchase payments withdrawn. Allstate Advisor Preferred Contracts (with 5-year Withdrawal Charge Option) • Annual mortality and expense risk charge equal to 1.40% of average daily net assets. • Withdrawal charges ranging from 0% to 7% of purchase payments withdrawn. Allstate Advisor Preferred Contracts (with 3-year Withdrawal Charge Option) • Annual mortality and expense risk charge equal to 1.50% of average daily net assets. • Withdrawal charges ranging from 0% to 7% of purchase payments withdrawn.

Allstate Advisor Preferred Contracts (with No Withdrawal Charge Option)

• Annual mortality and expense risk charge equal to 1.60% of average daily net assets.

• No withdrawal charge.

All Contracts

• Annual administrative expense charge of 0.19% (up to 0.35% for future Contracts).

• Annual contract maintenance charge of $30 (waived in certain cases).

• If you select the Maximum Anniversary Value (MAV) Death Benefit Option (“MAV Death Benefit Option”) you will pay an additional mortality and expense risk charge of 0.20%* (up to 0.30% for Options added in the future).

• If you select Enhanced Beneficiary Protection (Annual Increase) Option, you will pay an additional mortality and expense risk charge of 0.30%*.

• If you select the Earnings Protection Death Benefit Option you will pay an additional mortality and expense risk charge of 0.25% or 0.40% (up to 0.35% or 0.50% for Options added in the future) depending on the age of the oldest Owner and oldest Annuitant on the date we receive the completed application or request to add the benefit, whichever is later (“Rider Application Date”).

• If you select the TrueReturn^SM Accumulation Benefit Option (“TrueReturn Option”) you would pay an additional annual fee (“Rider Fee”) of 0.50% (up to 1.25% for Options added in the future) of the Benefit Base in effect on each Contract anniversary (“Contract Anniversary”) during the Rider Period. You may not select the TrueReturn Option together with a Retirement Income Guarantee Option or any Withdrawal Benefit Option.

• If you select the SureIncome Option, you would pay an additional annual fee (“SureIncome Option Fee”) of 0.50% of the Benefit Base on each Contract Anniversary (see the SureIncome Option Fee section). You may not select the SureIncome Option together with a Retirement Income Guarantee Option, a TrueReturn Option or any other Withdrawal Benefit Option.

• If you select the SureIncome Plus Withdrawal Benefit Option (“SureIncome Plus Option”) you would pay an additional annual fee (“SureIncome Plus Option Fee”) of 0.65% (up to 1.25% for Options added in the future) of the Benefit Base on each Contract Anniversary (see the SureIncome Plus Option Fee section). You may not select the SureIncome Plus Option together with a Retirement Income Guarantee Option, a TrueReturn Option or any other Withdrawal Benefit Option.

• If you select the SureIncome For Life Withdrawal Benefit Option (“SureIncome For Life Option”) you would pay an additional annual fee (“SureIncome For Life Option Fee”) of 0.65% (up to 1.25% for Options added in the future) of the Benefit Base on each Contract Anniversary (see the SureIncome For Life Option Fee section). You may not select the SureIncome For Life Option together with a Retirement Income Guarantee Option, a TrueReturn Option or any other Withdrawal Benefit Option.

• We discontinued offering Retirement Income Guarantee Option 1 (“RIG 1”) as of January 1, 2004 (up to May 1, 2004 in certain states). If you elected RIG 1 prior to May 1, 2004, you will pay an additional annual fee (“Rider Fee”) of 0.40%* of the Income Base in effect on a Contract Anniversary.

• We discontinued offering Retirement Income Guarantee Option 2 (“RIG 2”) as of January 1, 2004 (up to May 1, 2004 in certain states). If you elected RIG 2 prior to May 1, 2004, you will pay an additional annual Rider Fee of 0.55%* of the Income Base in effect on a Contract Anniversary.

• If you select the Income Protection Benefit Option you will pay an additional mortality and expense risk charge of 0.50% (up to 0.75% for Options added in the future) during the Payout Phase of your Contract.

• If you select the Spousal Protection Benefit (Co-Annuitant) Option or Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts (“CSP”) you would pay an additional annual fee (“Rider Fee”) of 0.10%** (up to 0.15% for Options added in the future) of the Contract Value (“Contract Value”) on each Contract Anniversary. These Options are only available for certain types of IRA Contracts, which are Contracts issued with an Individual Retirement Annuity or Account (“IRA”) under Section 408 of the Internal Revenue Code. The CSP is only available for certain Custodial Individual Retirement Accounts established under Section 408 of the Internal Revenue Code. For Contracts purchased on or after January 1, 2005, we may discontinue offering the Spousal Protection Benefit (Co-Annuitant) Option at any time prior to the time you elect to receive it.**

** No Rider Fee was charged for these Options for Contract Owners who added these Options prior to January 1, 2005. See page 9 for details.

• Transfer fee equal to 1.00% (subject to increase to up to 2.00%) of the amount transferred after the 12^th transfer in any Contract Year (“Contract Year”), which we measure from the date we issue your Contract or a Contract Anniversary.

• State premium tax (if your state imposes one).

• Not all Options are available in all states.

We may discontinue any of these options at any time prior to the time you elect to receive it.

* Different rates apply to Contract Owners who added these options prior to May 1, 2003. See page 9 for details.


Investment Alternatives	Each Contract offers several investment alternatives including: • Fixed Account Options that credit interest at rates we guarantee, and • Various* Variable Sub-Accounts investing in Portfolios offering professional money management by these investment advisers: • Fidelity Management & Research Company • Franklin Advisers, Inc. • Franklin Advisory Services, LLC • Franklin Mutual Advisers, LLC • Invesco Advisers, Inc. • Lord, Abbett & Co. LLC • OppenheimerFunds, Inc. • Putnam Investment Management, LLC • Strategic Advisors, Inc. • Templeton Asset Management Ltd. • Templeton Investment Counsel, LLC • Morgan Stanley Investment Management Inc. *Certain Variable Sub-Accounts may not be available depending on the date you purchased your Contract. In addition, Certain Variable Sub-Accounts are closed to Contract Owners not invested in the specified Variable Sub-Accounts by a designated date. Please see pages 42-44 for more information. Not all Fixed Account Options are available in all states or with all Contracts. To find out current rates being paid on the Fixed Account Option(s), or to find out how the Variable Sub-Accounts have performed, please call us at 1-800-457-7617.
Special Services		For your convenience, we offer these special services: • Automatic Portfolio Rebalancing Program • Automatic Additions Program • Dollar Cost Averaging Program • Systematic Withdrawal Program • TrueBalance^SM Asset Allocation Program


Income Payments	You can choose fixed income payments, variable income payments, or a combination of the two. You can receive your income payments in one of the following ways (you may select more than one income plan): • life income with guaranteed number of payments • joint and survivor life income with guaranteed number of payments • guaranteed number of payments for a specified period • life income with cash refund • joint life income with cash refund • life income with installment refund • joint life income with installment refund Prior to May 1, 2004, Allstate Life also offered two Retirement Income Guarantee Options that guarantee a minimum amount of fixed income payments you can receive if you elect to receive income payments. In addition, we offer an Income Protection Benefit Option that guarantees that your variable income payments will not fall below a certain level.
Death Benefits	If you, the Annuitant, or Co-Annuitant die before the Payout Start Date, we will pay a death benefit subject to the conditions described in the Contract. In addition to the death benefit included in your Contract (“Return of Premium Death Benefit” or “ROP Death Benefit”), the death benefit options we currently offer include: • MAV Death Benefit Option; • Enhanced Beneficiary Protection (Annual Increase) Option; and • Earnings Protection Death Benefit Option The SureIncome Plus Option and SureIncome For Life Option also include a death benefit option, the SureIncome Return of Premium Death Benefit, (“SureIncome ROP Death Benefit”).
Transfers	Before the Payout Start Date, you may transfer your Contract Value among the investment alternatives, with certain restrictions. The minimum amount you may transfer is $100 or the amount remaining in the investment alternative, if less. The minimum amount that can be transferred into the Standard Fixed Account or Market Value Adjusted Account Options is $100. A charge may apply after the 12^th transfer in each Contract Year.
Withdrawals	You may withdraw some or all of your Contract Value at any time during the Accumulation Phase and during the Payout Phase in certain cases. In general, you must withdraw at least $50 at a time. Withdrawals taken prior to the Payout Start Date are generally considered to come from the earnings in the Contract first. If the Contract is tax-qualified, generally all withdrawals are treated as distributions of earnings. Withdrawals of earnings are taxed as ordinary income and, if taken prior to age 59¹/₂, may be subject to an additional 10% federal tax penalty. A withdrawal charge and a Market Value Adjustment may also apply. Unless a Withdrawal Benefit Option is in effect under your Contract: if any withdrawal reduces your Contract Value to less than $1,000, we will treat the request as a withdrawal of the entire Contract Value; and your Contract will terminate if you withdraw all of your Contract Value.

How the Contracts Work

Each Contract basically works in two ways.

First, each Contract can help you (we assume you are the “Contract Owner”) save for retirement because you can invest in your Contract’s investment alternatives and generally pay no federal income taxes on any earnings until you withdraw them. You do this during what we call the “Accumulation Phase” of the Contract. The Accumulation Phase begins on the date we issue your Contract (we call that date the “Issue Date”) and continues until the Payout Start Date, which is the date we apply your money to provide income payments. During the Accumulation Phase, you may allocate your purchase payments to any combination of the Variable Sub-Accounts and/or Fixed Account Options. If you invest in a Fixed Account Option, you will earn a fixed rate of interest that we declare periodically. If you invest in any of the Variable Sub-Accounts, your investment return will vary up or down depending on the performance of the corresponding Portfolios.

Second, each Contract can help you plan for retirement because you can use it to receive retirement income for life and/or for a pre-set number of years, by selecting one of the income payment options (we call these “Income Plans”) described on page 62. You receive income payments during what we call the “Payout Phase” of the Contract, which begins on the Payout Start Date and continues until we make the last payment required by the Income Plan you select. During the Payout Phase, if you select a fixed income payment option, we guarantee the amount of your payments, which will remain fixed. If you select a variable income payment option, based on one or more of the Variable Sub-Accounts, the amount of your payments will vary up or down depending on the performance of the corresponding Portfolios. The amount of money you accumulate under your Contract during the Accumulation Phase and apply to an Income Plan will determine the amount of your income payments during the Payout Phase.

The timeline below illustrates how you might use your Contract.

Other income payment options are also available. See “Income Payments.”

As the Contract Owner, you exercise all of the rights and privileges provided by the Contract. If you die, any surviving Contract Owner or, if there is none, the Beneficiary will exercise the rights and privileges provided by the Contract. See “The Contracts.” In addition, if you die before the Payout Start Date, we will pay a death benefit to any surviving Contract Owner or, if there is none, to your Beneficiary. See “Death Benefits.”

Please call us at 1-800-457-7617 if you have any question about how the Contracts work.

Expense Table

The table below lists the expenses that you will bear directly or indirectly when you buy a Contract. The table and the examples that follow do not reflect premium taxes that may be imposed by the state where you reside. For more information about Variable Account expenses, see “Expenses,” below. For more information about Portfolio expenses, please refer to the prospectuses for the Portfolios.

Contract Owner Transaction Expenses

Withdrawal Charge (as a percentage of purchase payments withdrawn)*



	Number of Complete Years Since We Received the Purchase Payment Being Withdrawn/Applicable Charge:
Contract:	0	1	2	3	4	5	6	7	8+
Allstate Advisor	7 %	7 %	6 %	5 %	4 %	3 %	2 %	0 %	0 %
Allstate Advisor Plus	8.5 %	8.5 %	8.5 %	7.5 %	6.5 %	5.5 %	4 %	2.5 %	0 %
Allstate Advisor Preferred with:
5-Year Withdrawal Charge Option	7 %	6 %	5 %	4 %	3 %	0 %
3-Year Withdrawal Charge Option	7 %	6 %	5 %	0 %
No Withdrawal Charge Option	None

All Contracts:
Annual Contract Maintenance Charge	$30**
Transfer Fee	up to 2.00% of the amount transferred***

* Each Contract Year, you may withdraw a portion of your purchase payments (and/or your earnings, in the case of Charitable Remainder Trusts) without incurring a withdrawal charge (“Free Withdrawal Amount”). See “Withdrawal Charges” for more information.

** Waived in certain cases. See “Expenses.”

*** Applies solely to the 13th and subsequent transfers within a Contract Year, excluding transfers due to dollar cost averaging and automatic portfolio rebalancing. We are currently assessing a transfer fee of 1.00% of the amount transferred, however, we reserve the right to raise the transfer fee to up to 2.00% of the amount transferred.

Variable Account Annual Expenses (as a percentage of average daily net asset value deducted from each Variable Sub-Account)

If you select the basic Contract without any optional benefits, your Variable Account expenses would be as follows:



Basic Contract (without any optional benefit)	Mortality and Expense Risk Charge	Administrative Expense Charge*	Total Variable Account Annual Expense
Allstate Advisor	1.10%	0.19%	1.29%
Allstate Advisor Plus	1.40%	0.19%	1.59%
Allstate Advisor Preferred (5-year Withdrawal Charge Option)	1.40%	0.19%	1.59%
Allstate Advisor Preferred (3-year Withdrawal Charge Option)	1.50%	0.19%	1.69%
Allstate Advisor Preferred (No Withdrawal Charge Option)	1.60%	0.19%	1.79%

* We reserve the right to raise the administrative expense charge to 0.35%. However, we will not increase the charge once we issue your Contract.

Each Contract also offers optional riders that may be added to the Contract. For each optional rider you select, you would pay the following additional mortality and expense risk charge associated with each rider.

MAV Death Benefit Option

Enhanced Beneficiary Protection (Annual Increase) Option

Earnings Protection Death Benefit Option (issue age 0-70)

Earnings Protection Death Benefit Option (issue age 71-79)

0.20%* (up to 0.30% for Options added in the future)

0.30%*

0.25% (up to 0.35% for Options added in the future)

0.40% (up to 0.50% for Options added in the future)

* For Contract Owners who added the MAV Death Benefit Option or Enhanced Beneficiary Protection (Annual Increase) Option prior to May 1, 2003, the additional mortality and expense risk charge associated with each Option is 0.15%.

If you select the Options with the highest possible combination of mortality and expense risk charges, your Variable Account expenses would be as follows, assuming current expenses:



Contract with the MAV Death Benefit Option, Enhanced Beneficiary Protection (Annual Increase) Option, and Earnings Protection Death Benefit Option (issue age 71-79)	Mortality and Expense Risk Charge*	Administrative Expense Charge*	Total Variable Account Annual Expense
Allstate Advisor	2.00%	0.19%	2.19%
Allstate Advisor Plus	2.30%	0.19%	2.49%
Allstate Advisor Preferred (5-year Withdrawal Charge Option)	2.30%	0.19%	2.49%
Allstate Advisor Preferred (3-year Withdrawal Charge Option)	2.40%	0.19%	2.59%
Allstate Advisor Preferred (No Withdrawal Charge Option)	2.50%	0.19%	2.69%

* As described above the administrative expense charge and the mortality and expense charge for certain Options may be higher for future Contracts. However, we will not increase the administrative expense charge once we issue your Contract, and we will not increase the charge for an Option once we add the Option to your Contract.

TrueReturn^SM Accumulation Benefit Option Fee

(annual rate as a percentage of Benefit Base on each Contract Anniversary)



TrueReturn^SM Accumulation Benefit Option	0.50%*

* Up to 1.25% for Options added in the future. See “TrueReturn^SM Accumulation Benefit Option” for details.

SureIncome Withdrawal Benefit Option Fee

(annual rate as a percentage of Benefit Base on each Contract Anniversary)



SureIncome Withdrawal Benefit Option	0.50%*

* Up to 1.25% for SureIncome Options added in the future. See “SureIncome Withdrawal Benefit Option” for details.

SureIncome Plus Withdrawal Benefit Option Fee

(annual rate as a percentage of Benefit Base on each Contract Anniversary)



SureIncome Plus Withdrawal Benefit Option	0.65%*

* Up to 1.25% for SureIncome Plus Options added in the future. See “SureIncome Plus Withdrawal Benefit Option” for details.

SureIncome For Life Withdrawal Benefit Option Fee

(annual rate as a percentage of Benefit Base on each Contract Anniversary)



SureIncome For Life Withdrawal Benefit Option	0.65%*

* Up to 1.25% for SureIncome For Life Options added in the future. See “SureIncome For Life Withdrawal Benefit Option” for details.

Retirement Income Guarantee Option Fee*

If you selected RIG 1, you would pay a Rider Fee at the annual rate of 0.40%** of the Income Base in effect on a Contract Anniversary. If you selected RIG 2, you would pay an additional Rider Fee at the annual rate of 0.55%** of the Income Base in effect on a Contract Anniversary. See “Retirement Income Guarantee Options” for details.

* We discontinued offering the Retirement Income Guarantee Options as of January 1, 2004 (up to May 1, 2004 in certain states). Fees shown apply to Contract Owners who selected an Option prior to January 1, 2004 (up to May 1, 2004 in certain states).

** For Contract Owners who added RIG 1 prior to May 1, 2003, the annual rate is 0.25%. For Contract Owners who added RIG 2 prior to May 1, 2003, the annual rate is 0.45%.

Spousal Protection Benefit (Co-Annuitant) Option Fee

(as a percentage of Contract Value on each Contract Anniversary)



Spousal Protection Benefit (Co-Annuitant) Option	0.10%*

* Applies to Contract Owners who select the Option on or after January 1, 2005. Up to 0.15% for options added in the future.

Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts Fee

(as a percentage of Contract Value on each Contract Anniversary)



Spousal Protection Benefit (Co-Annuitant) Option	0.10%*

* Applies to Contract Owners who select the Option on or after January 1, 2005. Up to 0.15% for options added in the future.

If you select the Spousal Protection Benefit (Co-Annuitant) Option or Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts on or after January 1, 2005, you will pay a Rider Fee at the annual rate of 0.10% of the Contract Value on each Contract Anniversary. We reserve the right to increase the annual Rider Fee to up to 0.15% of the Contract Value. If you selected either of these Options prior to January 1, 2005, there is no charge associated with your Option. See “Spousal Protection Benefit (Co-Annuitant) Option Fee and Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts Fee” for details.

Income Protection Benefit Option

The Contracts are also available with the Income Protection Benefit Option. See “Income Payments – Income Protection Benefit Option,” below, for a description of the Option. The charge for the Income Protection Benefit Option is currently 0.50% of the average daily net Variable Account assets supporting the variable income payments to which the Income Protection Benefit Option applies. The charge for the Income Protection Benefit Option applies during the Payout Phase. We reserve the right to raise the Income Protection Benefit Option charge to up to 0.75%. Once your Income Protection Benefit Option is in effect, however, we may not change the fee that applies to your Contract. See “Expenses – Mortality and Expense Risk Charge,” below, for details.

PORTFOLIO ANNUAL EXPENSES – Minimum and Maximum

The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Contract. Advisers and/or other service providers of certain Portfolios may have agreed to waive their fees and/or reimburse Portfolio expenses in order to keep the Portfolios’ expenses below specified limits. The range of expenses shown in this table does not show the effect of any such fee waiver or expense reimbursement. More detail concerning each Portfolio’s fees and expenses appears in the prospectus for each Portfolio.

PORTFOLIO ANNUAL EXPENSES



	Minimum	Maximum
Total Annual Portfolio Operating Expenses⁽¹⁾ (expenses that are deducted from Portfolio assets, which may include management fees, distribution and/or services (12b-1) fees, and other expenses)	0.32%	2.28%

(1) Expenses are shown as a percentage of Portfolio average daily net assets (before any waiver or reimbursement) as of December 31, 2015 (except as otherwise noted).

Example 1

This Example is intended to help you compare the cost of investing in the Contracts with the cost of investing in other variable annuity contracts. These costs include Contract owner transaction expenses, Contract fees, Variable Account annual expenses, and Portfolio fees and expenses.

The example shows the dollar amount of expenses that you would bear directly or indirectly if you:

• invested $10,000 in the Contract for the time periods indicated;

• earned a 5% annual return on your investment;

• surrendered your Contract, or you began receiving income payments for a specified period of less than 120 months, at the end of each time period;

• elected the MAV Death Benefit Option and the Enhanced Beneficiary Protection (Annual Increase) Option;

• elected the Earnings Protection Death Benefit Option (assuming issue age 71-79);

• elected the Spousal Protection Benefit (Co-Annuitant) Option; and

• elected the SureIncome Plus Withdrawal Benefit Option.

The example does not include any taxes or tax penalties you may be required to pay if you surrender your Contract.

The first line of the example assumes that the maximum fees and expenses of any of the Portfolios are charged. The second line of the example assumes that the minimum fees and expenses of any of the Portfolios are charged. Your actual expenses may be higher or lower than those shown below.



	Allstate Advisor				Allstate Advisor Plus				Allstate Advisor Preferred (with 5 Year Withdrawal Charge Option)
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 1,211	$ 2,357	$ 3,420	$ 6,164	$ 1,366	$ 2,647	$ 3,752	$ 6,359	$ 1,239	$ 2,351	$ 3,457	$ 6,364
Costs Based on Minimum Annual Portfolio Expenses	$ 1,013	$ 1,788	$ 2,515	$ 4,582	$ 1,168	$ 2,084	$ 2,862	$ 4,829	$ 1,041	$ 1,788	$ 2,567	$ 4,834



	Allstate Advisor Preferred (with 3-Year Withdrawal Charge Option)				Allstate Advisor Preferred (with No Withdrawal Charge Option)
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 1,248	$ 2,376	$ 3,240	$ 6,425	$ 662	$ 1,978	$ 3,282	$ 6,493
Costs Based on Minimum Annual Portfolio Expenses	$ 1,051	$ 1,815	$ 2,355	$ 4,912	$ 466	$ 1,419	$ 2,402	$ 4 ,997

Example 2

This Example uses the same assumptions as Example 1 above, except that it assumes you decided not to surrender your Contract, or you began receiving income payments for a specified period of at least 120 months, at the end of each time period.


	Allstate Advisor				Allstate Advisor Plus				Allstate Advisor Preferred (with 5 Year Withdrawal Charge Option)
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 616	$ 1,847	$ 3,080	$ 6,164	$ 643	$ 1,925	$ 3,200	$ 6,359	$ 644	$ 1,926	$ 3,202	$ 6,364
Costs Based on Minimum Annual Portfolio Expenses	$ 418	$ 1,278	$ 2,175	$ 4,582	$ 446	$ 1,362	$ 2,310	$ 4,829	$ 446	$ 1,363	$ 2,312	$ 4,834


	Allstate Advisor Preferred (with 3-Year Withdrawal Charge Option)				Allstate Advisor Preferred (with No Withdrawal Charge Option)
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 653	$ 1,951	$ 3,240	$ 6,425	$ 662	$ 1,978	$ 3,282	$ 6,493
Costs Based on Minimum Annual Portfolio Expenses	$ 456	$ 1,390	$ 2,355	$ 4,912	$ 466	$ 1,419	$ 2,402	$ 4,997

Please remember that you are looking at examples and not a representation of past or future expenses. Your rate of return may be higher or lower than 5%, which is not guaranteed. The examples do not assume that any Portfolio expense waivers or reimbursement arrangements are in effect for the periods presented. The examples reflect the Free Withdrawal Amounts, if applicable, and the deduction of the annual contract maintenance charge of $30 each year. The above examples assume you have selected the MAV Death Benefit Option and the Enhanced Beneficiary Protection (Annual Increase) Option, the Earnings Protection Death Benefit Option (assuming the oldest Contract Owner or Annuitant is age 71 or older, and all are age 79 or younger on the Rider Application Date), and the Spousal Protection Benefit (Co-Annuitant) Option and the SureIncome Plus Withdrawal Benefit Option. Examples for the Allstate Advisor Preferred Contracts assume the election of the 5-year Withdrawal Charge Option. If any or all of these features were not elected, the expense figures shown above would be slightly lower.

Financial Information

To measure the value of your investment in the Variable Sub-Accounts during the Accumulation Phase, we use a unit of measure we call the “Accumulation Unit.” Each Variable Sub-Account has a separate value for its Accumulation Units we call “Accumulation Unit Value.” Accumulation Unit Value is analogous to, but not the same as, the share price of a mutual fund.

Accumulation Unit Values for the lowest and highest available combinations of Contract charges that affect Accumulation Unit Values for each Contract are shown in Appendix K of this prospectus. The Statement of Additional Information contains the Accumulation Unit Values for all other available combinations of Contract charges that affect Accumulation Unit Values for each Contract.

The Contracts

CONTRACT OWNER

Each Contract is an agreement between you, the Contract Owner, and Allstate Life, a life insurance company. As the Contract Owner, you may exercise all of the rights and privileges provided to you by the Contract. That means it is up to you to select or change (to the extent permitted):

• the investment alternatives during the Accumulation and Payout Phases,

• the amount and timing of your purchase payments and withdrawals,

• the programs you want to use to invest or withdraw money,

• the income payment plan(s) you want to use to receive retirement income,

• the Annuitant (either yourself or someone else) on whose life the income payments will be based,

• the Beneficiary or Beneficiaries who will receive the benefits that the Contract provides when the last surviving Contract Owner or the Annuitant dies, and

• any other rights that the Contract provides, including restricting income payments to Beneficiaries.

If you die, any surviving joint Contract Owner or, if none, the Beneficiary may exercise the rights and privileges provided to them by the Contract. If the sole surviving Contract Owner dies after the Payout Start Date, the Primary Beneficiary will receive any guaranteed income payments scheduled to continue.

If the Annuitant dies prior to the Payout Start Date and the Contract Owner is a grantor trust not established by a business, the new Contract Owner will be the Beneficiary(ies).

The Contract cannot be jointly owned by both a non-living person and a living person unless the Contract Owner(s) assumed ownership of the Contract as a Beneficiary(ies). The maximum age of any Contract Owner on the date we receive the completed application for each Contract is 90.

If you select the Enhanced Beneficiary Protection (MAV) Option, the Enhanced Beneficiary Protection (Annual Increase) Option, or the Earnings Protection Death Benefit Option, the maximum age of any Contract Owner on the Rider Application Date is currently age 79. If you select the Spousal Protection Benefit (Co-Annuitant) Option or the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts (CSP), the maximum age of any Contract Owner or beneficial owner for CSP on the Rider Application Date is currently age 90. If you select the SureIncome Withdrawal Benefit Option, the maximum age of any Contract Owner on the Rider Application Date is age 85. If you select the SureIncome Plus Withdrawal Benefit Option, the maximum age of any Contract Owner on the Rider Application Date is age 85. If you select the SureIncome For Life Withdrawal Benefit Option, the minimum and maximum ages of the oldest Contract Owner (oldest annuitant if Contract Owner is a non-living person) on the Rider Application Date are ages 50 and 79, respectively.

The Contract can also be purchased as an IRA or TSA (also known as a 403(b)). The endorsements required to qualify these annuities under the Internal Revenue Code of 1986, as amended, (“Code”) may limit or modify your rights and privileges under the Contract. We use the term “Qualified Contract” to refer to a Contract issued as an IRA, 403(b), or with a Qualified Plan.

Except for certain retirement plans, you may change the Contract Owner at any time by written notice in a form satisfactory to us. Until we receive your written notice to change the Contract Owner, we are entitled to rely on the most recent information in our files. We will provide a change of ownership form to be signed by you and filed with us. Once we accept the change, the change will take effect as of the date you signed the request. We will not be liable for any payment or settlement made prior to accepting the change. Accordingly, if you wish to change the Contract Owner, you should deliver your written notice to us promptly. Each change is subject to any payment we make or other action we take before we accept it. Changing ownership of this Contract may cause adverse tax consequences and may not be allowed under Qualified Contracts. Please consult with a competent tax advisor prior to making a request for a change of Contract Owner.

ANNUITANT

The Annuitant is the individual whose age determines the latest Payout Start Date and whose life determines the amount and duration of income payments (other than under Income Plan 3). You may not change the Annuitant at any time. You may designate a joint Annuitant, who is a second person on whose life income payments depend, at the time you select an Income Plan. Additional restrictions may apply in the case of Qualified Plans. The maximum age of the Annuitant on the date we receive the completed application for each Contract is age 90.

If you select the Enhanced Beneficiary Protection (MAV) Death Benefit Option, Enhanced Beneficiary Protection (Annual Increase) Option or the Earnings Protection Death Benefit Option, the maximum age of any Annuitant on the Rider Application Date is age 79.

If you select the Spousal Protection Benefit (Co-Annuitant) Option, the maximum age of any Annuitant on the Rider Application Date is age 90.

If you select the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts, the maximum age of any Annuitant on the Rider Application Date is age 90.

If you select the Income Protection Benefit Option, the oldest Annuitant and joint Annuitant (if applicable) must be age 75 or younger on the Payout Start Date.

If you select the SureIncome Withdrawal Benefit Option, the maximum age of any Annuitant on the Rider Application Date is age 85. If you select the SureIncome Plus Withdrawal Benefit Option, the maximum age of any Annuitant on the Rider Application Date is age 85. If you select the SureIncome For Life Withdrawal Benefit Option, the minimum and maximum ages of the oldest annuitant, if the Contract Owner is a non-living person, on the Rider Application Date are ages 50 and 79, respectively.

If you select an Income Plan that depends on the Annuitant or a joint Annuitant’s life, we may require proof of age and sex before income payments begin and proof that the Annuitant or joint Annuitant is still alive before we make each payment.

CO-ANNUITANT

Spousal Protection Benefit (Co-Annuitant) Option

Contract Owners of IRA Contracts that meet the following conditions and that elect the Spousal Protection Benefit Option may name their spouse as a Co-Annuitant:

• the individually owned Contract must be either a traditional, Roth, or Simplified Employee Pension IRA;

• the Contract Owner must be age 90 or younger on the Rider Application Date;

• the Co-Annuitant must be age 79 or younger on the Rider Application Date; and

• the Co-Annuitant must be the sole Primary Beneficiary under the Contract.

Under the Spousal Protection Benefit (Co-Annuitant) Option, the Co-Annuitant will be considered to be an Annuitant during the Accumulation Phase, except the Co-Annuitant will not be considered to be an Annuitant for purposes of determining the Payout Start Date or upon the death of the Co-Annuitant. You may change the Co-Annuitant to a new spouse only if you provide proof of remarriage in a form satisfactory to us. At any time, there may only be one Co-Annuitant under your Contract. See “Spousal Protection Benefit Option and Death of Co-Annuitant” for more information.

Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts.

Contracts that meet the following conditions and that elect the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts may name the spouse of the Annuitant as a Co-Annuitant:

• the beneficially owned Contract must be a Custodial traditional IRA, Custodial Roth IRA, or a Custodial Simplified Employee Pension IRA;

• the Annuitant must be the beneficial owner of the Custodial traditional IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA;

• the Co-Annuitant must be the legal spouse of the Annuitant and only one Co-Annuitant may be named;

• the Co-Annuitant must be the sole beneficiary of the Custodial traditional IRA, Custodial Roth IRA, or the Custodial Simplified Employee Pension IRA;

• the Annuitant must be age 90 or younger on the Rider Application Date; and

• the Co-Annuitant must be age 79 or younger on the Rider Application Date.

Under the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts, the Co-Annuitant will be considered to be an Annuitant during the Accumulation Phase, except the Co-Annuitant will not be considered to be an Annuitant for purposes of determining the Payout Start Date or upon the death of the Co-Annuitant. The Co-Annuitant is not considered the beneficial owner of the Custodial Traditional IRA, Custodial Roth IRA, or the Custodial Simplified Employee Pension IRA. See “Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts and Death of Co-Annuitant” for more information.

BENEFICIARY

You may name one or more Primary and Contingent Beneficiaries when you apply for a Contract. The Primary Beneficiary is the person who may, in accordance with the terms of the Contract, elect to receive the death settlement (“Death Proceeds”) or become the new Contract Owner pursuant to the Contract if the sole surviving Contract Owner dies before the Payout Start Date. A Contingent Beneficiary is the person selected by the Contract Owner who will exercise the rights of the Primary Beneficiary if all named Primary Beneficiaries die before the death of the sole surviving Contract Owner.

Accordingly, if you wish to change your Beneficiary, you should deliver your written notice to us promptly. Each Beneficiary change is subject to any payment made by us or any other action we take before we accept the change.

You may restrict income payments to Beneficiaries by providing us with a written request. Once we accept the written request, the restriction will take effect as of the date you signed the request. Any restriction is subject to any payment made by us or any other action we take before we accept the request.

If you did not name a Beneficiary or, unless otherwise provided in the Beneficiary designation, if a named Beneficiary is no longer living and there are no other surviving Primary or Contingent Beneficiaries when the sole surviving Contract Owner dies, the new Beneficiary will be:

• your spouse or, if he or she is no longer alive,

• your surviving children equally, or if you have no surviving children,

• your estate.

If more than one Beneficiary survives you (or the Annuitant, if the Contract Owner is a grantor trust), we will divide the Death Proceeds among the surviving Beneficiaries according to your most recent written instructions. If you have not given us written instructions in a form satisfactory to us, we will pay the Death Proceeds in equal amounts to the surviving Beneficiaries. If there is more than one Beneficiary in a class (e.g., more than one Primary Beneficiary) and one of the Beneficiaries predeceases the Contract Owner (the Annuitant if the Contract Owner is a grantor trust), the remaining Beneficiaries in that class will divide the deceased Beneficiary’s share in proportion to the original share of the remaining Beneficiaries.

For purposes of this Contract, in determining whether a living person, including a Contract Owner, Primary Beneficiary, Contingent Beneficiary, or Annuitant (“Living Person A”) has survived another living person, including a Contract Owner, Primary Beneficiary, Contingent Beneficiary, or Annuitant (“Living Person B”), Living Person A must survive Living Person B by at least 24 hours. Otherwise, Living Person A will be conclusively deemed to have predeceased Living Person B.

Where there are multiple Beneficiaries, we will only value the Death Proceeds at the time the first Beneficiary submits the necessary documentation in good order. Any Death Proceeds amounts attributable to any Beneficiary which remain in the Variable Sub-Accounts are subject to investment risk. If there is more than one Beneficiary taking shares of the Death Proceeds, each Beneficiary will be treated as a separate and independent owner of his or her respective share of the Death Proceeds. Each Beneficiary will exercise all rights related to his or her share of the Death Proceeds, including the sole right to select a death settlement option, subject to any restrictions previously placed upon the Beneficiary. Each Beneficiary may designate a Beneficiary(ies) for his or her respective share, but that designated Beneficiary(ies) will be restricted to the death settlement option chosen by the original Beneficiary.

If there is more than one Beneficiary and one of the Beneficiaries is a corporation, trust or other non-living person, all Beneficiaries will be considered to be non-living persons.

MODIFICATION OF THE CONTRACT

Only an Allstate Life officer may approve a change in or waive any provision of the Contract. Any change or waiver must be in writing. None of our agents has the authority to change or waive the provisions of the Contract. We may not change the terms of the Contract without your consent, except to conform the Contract to applicable law or changes in the law. If a provision of the Contract is inconsistent with state law, we will follow state law.

ASSIGNMENT

You may not assign an interest in this Contract as collateral or security for a loan. However, you may assign periodic income payments under this Contract prior to the Payout Start Date. No Beneficiary may assign benefits under the Contract until they are due. We will not be bound by any assignment until the assignor signs it and files it with us. We are not responsible for the validity of any assignment. Federal law prohibits or restricts the assignment of benefits under many types of retirement plans and the terms of such plans may themselves contain restrictions on assignments. An assignment may also result in taxes or tax penalties. You should consult with an attorney before trying to assign periodic income payments under your Contract.

Purchases

MINIMUM PURCHASE PAYMENTS

The minimum initial purchase payment for Non- Qualified Contracts is $10,000, ($2,000 for Contracts issued with an IRA or TSA). All subsequent purchase payments under a Contract must be $1,000 or more ($50 for automatic payments). For Allstate Advisor Plus Contracts, purchase payments do not include any Credit Enhancements. You may make purchase payments at any time prior to the Payout Start Date; however, any additional payments after the initial purchase payment may be limited in some states. Please consult with your representative for details. The total amount of purchase payments we will accept for each Contract without our prior approval is $1,000,000. We reserve the right to accept a lesser initial purchase payment amount or lesser subsequent purchase payment amounts. We reserve the right to limit the availability of the investment alternatives for additional investments. We also reserve the right to reject any application. We may apply certain limitations, restrictions, and/or underwriting standards as a condition of acceptance of purchase payments.

AUTOMATIC ADDITIONS PROGRAM

You may make subsequent purchase payments of $50 or more per month by automatically transferring money from your bank account. Please consult with your sales representative for detailed information. The Automatic Additions Program is not available for making purchase payments into the Dollar Cost Averaging Fixed Account Option.

ALLOCATION OF PURCHASE PAYMENTS

At the time you apply for a Contract, you must decide how to allocate your purchase payment among the investment alternatives. The allocation you specify on your application will be effective immediately. All allocations must be in whole percents that total 100% or in whole dollars. You can change your allocations by calling us at 1-800-457-7617.

We will allocate your purchase payments to the investment alternatives according to your most recent instructions on file with us. Unless you notify us otherwise, we will allocate subsequent purchase payments according to the allocation for the previous purchase payment. We will effect any change in allocation instructions at the time we receive written notice of the change in good order.

We will credit the initial purchase payment that accompanies your completed application to your Contract within 2 business days after we receive the payment at our home office. If your application is incomplete, we will ask you to complete your application within 5 business days. If you do so, we will credit your initial purchase payment to your Contract within that 5 business day period. If you do not, we will return your purchase payment at the end of the 5 business day period unless you expressly allow us to hold it until you complete the application. We will credit subsequent purchase payments to the Contract at the close of the business day on which we receive the purchase payment at our home office.

We use the term “business day” to refer to each day Monday through Friday that the New York Stock Exchange is open for business. We also refer to these days as “Valuation Dates.” Our business day closes when the New York Stock Exchange closes for regular trading, usually 4:00 p.m. Eastern Time (3:00 p.m. Central Time). If we receive your purchase payment after 3:00 p.m. Central Time on any Valuation Date, we will credit your purchase payment using the Accumulation Unit Values computed on the next Valuation Date.

There may be circumstances where the New York Stock Exchange is open, however, due to inclement weather, natural disaster or other circumstances beyond our control, our offices may be closed or our business processing capabilities may be restricted. Under those circumstances, your Contract Value may fluctuate based on changes in the Accumulation Unit Values, but you may not be able to transfer Contract Value, or make a purchase or redemption request.

With respect to any purchase payment that is pending investment in our Variable Account, we may hold the amount temporarily in a suspense account and may earn interest on amounts held in that suspense account. You will not be credited with any interest on amounts held in that suspense account.

CREDIT ENHANCEMENT

For Allstate Advisor Plus Contracts, each time you make a purchase payment, we will add to your Contract Value a Credit Enhancement equal to 4% of the purchase payment if the oldest Contract Owner and oldest Annuitant are age 85 or younger on the date we receive the completed application for the Contract (“Application Date”). If the oldest Contract Owner or oldest Annuitant is age 86 or older and both are 90 or younger on the Application Date, we will add to your Contract Value a Credit Enhancement equal to 2% of the purchase payment. An additional Credit Enhancement will be added to your Contract if the cumulative purchase payments (including the purchase payment being made) less cumulative withdrawals exceed a certain threshold. The thresholds apply individually to each Allstate Advisor Plus Contract you own. The additional Credit Enhancements and their corresponding thresholds are as follows:



Additional Credit Enhancement for Large Contracts	Cumulative Purchase Payments less Cumulative Withdrawals must exceed:
0.50% of the purchase payment	$ 500,000
1.00% of the purchase payment	$ 1,000,000

If you exercise your right to cancel the Contract during the Trial Examination Period, the amount we refund to you will not include any Credit Enhancement. See “Trial Examination Period” below for details. The Allstate Advisor Plus Contract may not be available in all states.

We will allocate any Credit Enhancements to the investment alternatives according to the allocation instructions you have on file with us at the time we receive your purchase payment. We will allocate each Credit Enhancement among the investment alternatives in the same proportions as the corresponding purchase payment. We do not consider Credit Enhancements to be investments in the Contract for income tax purposes.

We use a portion of the withdrawal charge and mortality and expense risk charge to help recover the cost of providing the Credit Enhancement under the Contract. See “Expenses.” Under certain circumstances (such as a period of poor market performance) the cost associated with the Credit Enhancement may exceed the sum of the Credit Enhancement and any related earnings. You should consider this possibility before purchasing the Contract.

TRIAL EXAMINATION PERIOD

You may cancel your Contract by providing us with written notice within the Trial Examination Period, which is the 20 day period after you receive the Contract, or such longer period that your state may require. If you exercise this “Right to Cancel,” the Contract terminates and we will pay you the full amount of your purchase payments allocated to the Fixed Account. We also will return your purchase payments allocated to the Variable Account adjusted, to the extent federal or state law permits, to reflect investment gain or loss, including the deduction of mortality and expense risk charges and administrative expense charges, that occurred from the date of allocation through the date of cancellation. The amount you receive will be less applicable federal and state income tax withholding. If your Contract is qualified under Code Section 408(b), we will refund the greater of any purchase payments or the Contract Value.

For Allstate Advisor Plus Contracts, we have received regulatory relief to enable us to recover the amount of any Credit Enhancement applied to Contracts that are cancelled during the Trial Examination Period. The amount we return to you upon exercise of this Right to Cancel will not include any Credit Enhancement or the amount of charges deducted prior to cancellation, but will reflect, except in states where we are required to return the amount of your purchase payments, any investment gain or loss associated with your Variable Account purchase payments and with the full amount of the Credit Enhancement, including the deduction of mortality and expense risk charges and administrative expense charges.

We reserve the right to allocate your purchase payments to the Putnam VT Government Money Market – Class IB Sub-Account during the Trial Examination Period.

For Contracts purchased in California by persons age 60 and older, you may elect to defer until the end of the Trial Examination Period allocation of your purchase payment to the Variable Sub-Accounts. Unless you instruct otherwise, upon making this election, your purchase payment will be allocated to the Putnam VT Government Money Market – Class IB Sub-Account. On the next Valuation Date 40 days after the Issue Date, your Contract Value will then be reallocated in accordance with your most recent investment allocation instructions.

State laws vary and may require a different period, other variations or adjustments. Please refer to your Contract for any state specific information.

Contract Value

On the Issue Date, the Contract Value is equal to your initial purchase payment (for Allstate Advisor Plus Contracts, your initial purchase payment plus the Credit Enhancement).

Thereafter, your Contract Value at any time during the Accumulation Phase is equal to the sum of the value of your Accumulation Units in the Variable Sub-Accounts you have selected, plus your value in the Fixed Account Option(s) offered by your Contract.

ACCUMULATION UNITS

To determine the number of Accumulation Units of each Variable Sub-Account to allocate to your Contract, we divide (i) the amount of the purchase payment or transfer you have allocated to a Variable Sub-Account by (ii) the Accumulation Unit Value of that Variable Sub-Account next computed after we receive your payment or transfer. For example, if we receive a $10,000 purchase payment allocated to a Variable Sub-Account when the Accumulation Unit Value for the Sub-Account is $10, we would credit 1,000 Accumulation Units of that Variable Sub-Account to your Contract. For Allstate Advisor Plus Contracts, we would credit your Contract additional Accumulation Units of the Variable Sub-Account to reflect the Credit Enhancement paid on your purchase payment. See “Credit Enhancement.” Withdrawals and transfers from a Variable Sub-Account would, of course, reduce the number of Accumulation Units of that Sub-Account allocated to your Contract.

ACCUMULATION UNIT VALUE

As a general matter, the Accumulation Unit Value for each Variable Sub-Account for each Contract will rise or fall to reflect:

• changes in the share price of the Portfolio in which the Variable Sub-Account invests, and

• the deduction of amounts reflecting the mortality and expense risk charge, administrative expense charge, and any provision for taxes that have accrued since we last calculated the Accumulation Unit Value.

We determine any applicable withdrawal charges, Rider Fees (if applicable), transfer fees, and contract maintenance charges separately for each Contract. They do not affect the Accumulation Unit Value. Instead, we obtain payment of those charges and fees by redeeming Accumulation Units. For details on how we compute Accumulation Unit Values, please refer to the Statement of Additional Information.

We determine a separate Accumulation Unit Value for each Variable Sub-Account for each Contract on each Valuation Date. We also determine a separate set of Accumulation Unit Values that reflect the cost of each optional benefit, or available combination thereof, offered under the Contract.

You should refer to the prospectuses for the Funds for a description of how the assets of each Portfolio are valued, since that determination directly bears on the Accumulation Unit Value of the corresponding Variable Sub-Account and, therefore, your Contract Value.

TRUERETURN^SM ACCUMULATION BENEFIT OPTION

We offer the TrueReturn^SM Accumulation Benefit Option, which is available for an additional fee. The TrueReturn Option guarantees a minimum Contract Value on the “Rider Maturity Date.” The Rider Maturity Date is determined by the length of the Rider Period which you select. The Option provides no minimum Contract Value if the Option terminates before the Rider Maturity Date. See “Termination of the TrueReturn Option” below for details on termination.

The TrueReturn Option is available at issue of the Contract, or may be added later, subject to availability and issue requirements. You may not add the TrueReturn Option to your Contract after Contract issue without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the TrueReturn Option. Currently, you may have only one TrueReturn Option in effect on your Contract at one time. You may only have one of the following in effect on your Contract at the same time: a TrueReturn Option, a Retirement Income Guarantee Option or a Withdrawal Benefit Option. The TrueReturn Option has no maximum issue age, however the Rider Maturity Date must occur before the latest Payout Start Date, which is the later of the Annuitant’s 99th birthday or the 10th Contract Anniversary. Once added to your Contract, the TrueReturn Option may be cancelled at any time on or after the 5th Rider Anniversary by notifying us in writing in a form satisfactory to us.

The “Rider Anniversary” is the anniversary of the Rider Date. We reserve the right to extend the date on which the TrueReturn Option may be cancelled to up to the 10th Rider Anniversary at any time in our sole discretion. Any change we make will not apply to a TrueReturn Option that was added to your Contract prior to the implementation date of the change.

When you add the TrueReturn Option to your Contract, you must select a Rider Period and a Guarantee Option. The Rider Period and Guarantee Option you select determine the AB Factor, which is used to determine the Accumulation Benefit, described below. The “Rider Period” begins on the Rider Date and ends on the Rider Maturity Date. The “Rider Date” is the date the TrueReturn Option was made a part of your Contract. We currently offer Rider Periods ranging from 8 to 20 years depending on the Guarantee Option you select. You may select any Rider Period from among those we currently offer, provided the Rider Maturity Date occurs prior to the latest Payout Start Date. We reserve the right to offer additional Rider Periods in the future, and to discontinue offering any of the Rider Periods at any time. Each Model Portfolio Option available under a Guarantee Option has specific investment requirements that

are described in the “Investment Requirements” section below and may depend upon the Rider Date of your TrueReturn Option. We reserve the right to offer additional Guarantee Options in the future, and to discontinue offering any of the Guarantee Options at any time. After the Rider Date, the Rider Period and Guarantee Option may not be changed.

The TrueReturn Option may not be available in all states. We may discontinue offering the TrueReturn Option at any time to new Contract Owners and to existing Contract Owners who did not elect the Option prior to the date of discontinuance.

Accumulation Benefit.

On the Rider Maturity Date, if the Accumulation Benefit is greater than the Contract Value, then the Contract Value will be increased to equal the Accumulation Benefit. The excess amount of any such increase will be allocated to the Putnam VT Government Money Market – Class IB Sub-Account. You may transfer the excess amount out of the Putnam VT Government Money Market – Class IB Sub-Account and into another investment alternative at any time thereafter. However, each transfer you make will count against the 12 transfers you can make each Contract Year without paying a transfer fee. Prior to the Rider Maturity Date, the Accumulation Benefit will not be available as a Contract Value, Settlement Value, or Death Proceeds. Additionally, we will not pay an Accumulation Benefit if the TrueReturn Option is terminated for any reason prior to the Rider Maturity Date. After the Rider Maturity Date, the TrueReturn Option provides no additional benefit.

The “Accumulation Benefit” is equal to the Benefit Base multiplied by the AB Factor. The “AB Factor” is determined by the Rider Period and Guarantee Option you selected as of the Rider Date. The following table shows the AB Factors available for the Rider Periods and Guarantee Options we currently offer.


AB Factors
Rider Period (number of years)	Guarantee Option 1	Guarantee Option 2
8	100.0 %	NA
9	112.5 %	NA
10	125.0 %	100.0 %
11	137.5 %	110.0 %
12	150.0 %	120.0 %
13	162.5 %	130.0 %
14	175.0 %	140.0 %
15	187.5 %	150.0 %
16	200.0 %	160.0 %
17	212.5 %	170.0 %
18	225.0 %	180.0 %
19	237.5 %	190.0 %
20	250.0 %	200.0 %

The following examples illustrate the Accumulation Benefit calculations under Guarantee Options 1 and 2 on the Rider Maturity Date. For the purpose of illustrating the Accumulation Benefit calculation, the examples assume the Benefit Base is the same on the Rider Date and the Rider Maturity Date.

Example 1: Guarantee Option 1



Guarantee Option:	1
Rider Period:	15
AB Factor:	187.5%
Rider Date:	1/2/04
Rider Maturity Date:	1/2/19
Benefit Base on Rider Date:	$50,000
Benefit Base on rider Maturity Date:	$ 50,000



On the Rider Maturity Date (1/2/19):
Accumulation Benefit	= Benefit Base on Rider Maturity Date × AB Factor
	= $50,000 × 187.5%
	= $93,750

Example 2: Guarantee Option 2



Guarantee Option:	2
Rider Period:	15
AB Factor:	150.0%
Rider Date:	1/2/04
Rider Maturity Date:	1/2/19
Benefit Base on Rider Date:	$50,000
Benefit Base on rider Maturity Date:	$ 50,000



On the Rider Maturity Date (1/2/19):
Accumulation Benefit	= Benefit Base on Rider Maturity Date × AB Factor
	= $50,000 × 150.0%
	= $75,000

Guarantee Option 1 offers a higher AB Factor and more rider periods than Guarantee Option 2. Guarantee Option 1 and Guarantee Option 2 have different investment restrictions. See “Investment Requirements” below for more information.

Benefit Base.

The Benefit Base is used solely for purposes of determining the Rider Fee and the Accumulation Benefit. The Benefit Base is not available as a Contract Value, Settlement Value, or Death Proceeds. On the Rider Date, the “Benefit Base” is equal to the Contract Value. After the Rider Date, the Benefit Base will be recalculated for purchase payments and withdrawals as follows:

• The Benefit Base will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made prior to or on the first Contract Anniversary following the Rider Date. Subject to the terms and conditions of your Contract, you may add purchase payments after this date, but they will not be included in the calculation of the Benefit Base. Therefore, if you plan to make purchase payments after the first Contract Anniversary following the Rider Date, you should consider carefully whether this Option is appropriate for your needs.

• The Benefit Base will be decreased by a Withdrawal Adjustment for each withdrawal you make. The Withdrawal Adjustment is equal to (a) divided by (b), with the result multiplied by (c), where:

(a) = the withdrawal amount;

(b) = the Contract Value immediately prior to the withdrawal; and

Withdrawals taken prior to annuitization (referred to in this prospectus as the Payout Phase) are generally considered to come from the earnings in the Contract first. If the Contract is tax-qualified, generally all withdrawals are treated as distributions of earnings. Withdrawals of earnings are taxed as ordinary income and, if taken prior to age 59¹/₂, may be subject to an additional 10% federal tax penalty. A withdrawal charge also may apply. See Appendix G for numerical examples that illustrate how the Withdrawal Adjustment is applied.

The Benefit Base will never be less than zero.

Investment Requirements.

If you add the TrueReturn Option to your Contract, you must adhere to certain requirements related to the investment alternatives in which you may invest during the Rider Period. The specific requirements will depend on the model portfolio option (“Model Portfolio Option”) you have selected and the effective date of your TrueReturn Option. These requirements are described below in more detail. These requirements may include, but are not limited to, maximum investment limits on certain Variable Sub-Accounts or on certain Fixed Account Options, exclusion of certain Variable Sub-Accounts or of certain Fixed Account Options, required minimum allocations to certain Variable Sub-Accounts, and restrictions on transfers to or from certain investment alternatives. We may also require that you use the Automatic Portfolio Rebalancing Program. We may change the specific requirements that are applicable to a Guarantee Option or a Model Portfolio Option available under a Guarantee Option at any time in our sole discretion. Any changes we make will not apply to a TrueReturn Option that was made a part of your Contract prior to the implementation date of the change, except for changes made due to a change in investment alternatives available under the Contract. Any changes we make will apply to a new TrueReturn Option elected subsequent to the change pursuant to the Rider Trade-In Option.

When you add the TrueReturn Option to your Contract, you must allocate your entire Contract Value as follows:

1) to a Model Portfolio Option available with the Guarantee Option you selected, as defined below; or

2) to the DCA Fixed Account Option and then transfer all purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and interest according to a Model Portfolio Option available with the Guarantee Option you selected; or

3) to a combination of (1) and (2) above.

For (2) and (3) above, the requirements for the DCA Fixed Account Option must be met. See the “Dollar Cost Averaging Fixed Account Option” section of this prospectus for more information.

On the Rider Date, you must select only one of the Model Portfolio Options in which to allocate your Contract Value. After the Rider Date, you may transfer your entire Contract Value to any of the other Model Portfolio Options available with your Guarantee Option. We currently offer several Model Portfolio Options with each of the available Guarantee Options. The Model Portfolio Options that are available under Guarantee Options may differ depending upon the effective date of your TrueReturn Option. Please refer to the Model Portfolio Option 1, Model Portfolio Option 2, TrueBalance^SM Model Portfolio Options, and Fidelity VIP Freedom Funds Model Portfolio Options sections below for more details. We may add other Model Portfolio Options in the future. We also may remove Model Portfolio Options in the future anytime prior to the date you select such Model Portfolio Option. In addition, if the investment alternatives available under the Contract change, we may revise the Model Portfolio Options. The following table summarizes the Model Portfolio Options currently available for use with each Guarantee Option under the TrueReturn Option:



Guarantee Option 1	Guarantee Option 2



Guarantee Option 1	Guarantee Option 2
* Model Portfolio Option 1 * TrueBalance Conservative Model Portfolio Option * TrueBalance Moderately Conservative Model Portfolio Option * Fidelity VIP Freedom Income Fund Model Portfolio Option * Fidelity VIP Freedom 2010 Fund Model Portfolio Option	* Model Portfolio Option 2 * TrueBalance Conservative Model Portfolio Option * TrueBalance Moderately Conservative Model Portfolio Option * TrueBalance Moderate Model Portfolio Option * TrueBalance Moderately Aggressive Model Portfolio Option * TrueBalance Aggressive Model Portfolio Option * Fidelity VIP Freedom Income Fund Model Portfolio Option * Fidelity VIP Freedom 2010 Fund Model Portfolio Option * Fidelity VIP Freedom 2020 Fund Model Portfolio Option * Fidelity VIP Freedom 2030 Fund Model Portfolio Option

Note: The TrueBalance Model Portfolio Options were added to the TrueReturn Option on May 1, 2005. TrueBalance model portfolios selected prior to May 1, 2005, may not be used with the TrueReturn Option. The Fidelity VIP Freedom Funds Model Portfolio Options are available as Model Portfolio Options under Guarantee Option 1 and Guarantee Option 2 (Rider Date prior to October 1, 2004). For Guarantee Option 2 (Rider Date on or after October 1, 2004), the Fidelity VIP Freedom Funds are part of the available Variable Sub-Accounts listed under Model Portfolio Option 2. Please note that only certain Fidelity VIP Freedom Funds Model Portfolio Options are available with your TrueReturn Option as summarized in the table above.

You may not allocate any of your Contract Value to the Standard Fixed Account Option or to the MVA Fixed Account Option. You must transfer any portion of your Contract Value that is allocated to the Standard Fixed Account Option or to the MVA Fixed Account Option to the Variable Sub-Accounts prior to adding the TrueReturn Option to your Contract. Transfers from the MVA Fixed Account Option may be subject to a Market Value Adjustment. You may allocate any portion of your purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) to the DCA Fixed Account Option on the Rider Date, provided the DCA Fixed Account Option is available with your Contract and in your state. See the “Dollar Cost Averaging Fixed Account Option” section of this prospectus for more information. We use the term “Transfer Period Account” to refer to each purchase payment allocation made to the DCA Fixed Account Option for a specified term length. At the expiration of a Transfer Period Account any remaining amounts in the Transfer Period Account will be transferred to the Variable Sub-Accounts according to the percentage allocations for the Model Portfolio Option you selected.

Any subsequent purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made to your Contract will be allocated to the Variable Sub-Accounts according to your specific instructions or your allocation for the previous purchase payment (for Model Portfolio Option 1) or the percentage allocation for your current Model Portfolio Option (for TrueBalance Model Portfolio Options) unless you request that the purchase payment (and Credit Enhancement for Allstate Advisor Plus Contracts) be allocated to the DCA Fixed Account Option. Purchase payments allocated to the DCA Fixed Account Option must be $100 or more. Any withdrawals you request will reduce your Contract Value invested in each of the investment alternatives on a pro rata basis in the proportion that your Contract Value in each bears to your total Contract Value in all Variable Sub-Accounts, unless you request otherwise.

Model Portfolio Option 1

If you choose Model Portfolio Option 1 or transfer your entire Contract Value into Model Portfolio Option 1 under Guarantee Option 1, you must allocate a certain percentage of your Contract Value into each of three asset categories. Please note that certain investment alternatives are not available under Model Portfolio Option 1. You may choose the Variable Sub-Accounts in which you want to invest, provided you maintain the percentage allocation requirements for each category. You may also make transfers among the Variable Sub-Accounts within each category at any time, provided you maintain the percentage allocation requirements for each category. However, each transfer you make will count against the 12 transfers you can make each Contract Year without paying a transfer fee.

Effective October 1, 2004, certain Variable Sub-Accounts under Model Portfolio 1 were reclassified into different asset categories. These changes apply to TrueReturn Options effective prior to and on or after October 1, 2004. The following table describes the percentage allocation requirements for Model Portfolio Option 1 and Variable Sub-Accounts available under each category⁽¹⁾:

Model Portfolio Option 1

20% Category A

50% Category B

30% Category C

0% Category D

Category A

Putnam VT Government Money Market Fund – Class IB Sub-Account

Category B

FTVIP Franklin U.S. Government Securities VIP Fund – Class 2 Sub-Account

Lord Abbett Series – Bond-Debenture Sub-Account

Oppenheimer Core Bond/VA – Service Shares Sub-Account

Oppenheimer Global Strategic Income/VA – Service Shares Sub-Account

Putnam VT High Yield – Class IB Sub-Account

Putnam VT Income – Class IB Sub-Account

UIF Emerging Markets Debt, Class II Sub-Account

UIF U.S. Real Estate, Class II Sub-Account⁽⁸⁾

Category C

Fidelity^® VIP Contrafund^® – Service Class 2 Sub-Account

Fidelity^® VIP Index 500 – Service Class 2 Sub-Account

Fidelity^® VIP Mid Cap – Service Class 2 Sub-Account

FTVIP Franklin Growth and Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Large Cap Growth VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small Cap Value VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Shares VIP Fund – Class 2 Sub-Account

FTVIP Templeton Developing Markets VIP Fund – Class 2 Sub-Account

FTVIP Templeton Foreign VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account⁽¹⁾

FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Account⁽¹⁾

Lord Abbett Series – Fundamental Equity Sub-Account

Lord Abbett Series – Growth and Income Sub-Account

Lord Abbett Series – Growth Opportunities Sub-Account

Lord Abbett Series – Mid Cap Stock Sub-Account

Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Sub-Account⁽⁵⁾

Oppenheimer Conservative Balanced Fund/VA – Service⁽⁵⁾

Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account⁽⁶⁾

Oppenheimer Main Street^®/VA – Service Shares Sub-Account

Oppenheimer Main Street Small Cap Fund – Class 2 Shares Sub-Account

Putnam VT Equity Income – Class IB Sub-Account

Putnam VT Global Asset Allocation – Class IB Sub-Account

Putnam VT Growth and Income – Class IB Sub-Account

Putnam VT International Equity – Class IB Sub-Account

Putnam VT Investors – Class IB Sub-Account

Putnam VT Research – Class IB Sub-Account⁽²⁾

Putnam VT George Putnam Balanced Fund – Class IB

Putnam VT Global Utilities – Class IB Sub-Account⁽²⁾

Putnam VT Voyager – Class IB Sub-Account

Invesco V.I. Equity and Income – Series II Sub-Account

UIF Global Franchise, Class II Sub-Account

UIF Mid Cap Growth, Class II Sub-Account

Invesco V.I. American Value – Series I Sub-Account & Invesco V.I. American Value – Series II Sub-Account⁽³⁾

Invesco V. I Comstock – Series II Sub-Account

Invesco V. I. American Franchise – Series II Sub-Account

Invesco V. I. Growth and Income – Series II Sub-Account

Category D (Variable Sub-Accounts not available under Model Portfolio Option 1)

Fidelity^® VIP Freedom Income – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2010 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2020 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2030 – Service Class 2 Sub-Account

Fidelity^® VIP Growth Opportunities – Service Class 2 Sub-Account⁽⁷⁾
Oppenheimer Global Fund/VA – Class 2 Shares Sub-Account

Putnam VT Global Health Care – Class IB Sub-Account⁽²⁾

Putnam VT Multi-Cap Growth – Class IB Sub-Account⁽²⁾

UIF Growth, Class I Sub-Account⁽³⁾

UIF Growth, Class II Sub-Account⁽³⁾

UIF Small Company Growth, Class II Sub-Account

Invesco V. I. Mid Cap Growth – Series II Sub-Account⁽⁴⁾

Each calendar quarter, we will use the Automatic Portfolio Rebalancing Program to automatically rebalance your Contract Value in each Variable Sub-Account and return it to the percentage allocation requirements for Model Portfolio Option 1. We will use the percentage allocations as of your most recent instructions.

(1) The FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account and the FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Account, which were closed to new investments effective May 1, 2003, are not available with the TrueReturn Option. You must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts offered with the TrueReturn Option prior to adding the TrueReturn Option to your Contract.*

(2) The Putnam VT Global Health Care – Class IB Sub-Account (Category D under TrueReturn), the Putnam VT Multi-Cap Growth – Class IB Sub-Account (Category D under TrueReturn), the Putnam VT Research – Class IB Sub-Account (Category C under TrueReturn), and the Putnam VT Global Utilities – Class IB Sub-Account (Category C under TrueReturn) were offered only with Contracts issued prior to October 1, 2004, and closed to new investments effective October 1, 2004. If you add the TrueReturn Option to your Contract on or after October 1, 2004, you must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts available with the TrueReturn Option prior to adding the TrueReturn Option to your Contract.*

(3) The UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account are offered with Contracts issued on or after May 1, 2004. Generally Contract Owners of Contracts issued prior to May 1, 2004, may invest only in the UIF Growth, Class I Sub-Account and the Invesco V.I. American Value – Series I Sub-Account. Contracts issued prior to May 1, 2004 that participate in certain TrueBalance model portfolios may invest in UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account.

(4) Effective May 1, 2006, the Invesco V.I. Mid Cap Growth – Series II was closed to new investments. If you are currently invested in the Variable Sub-Account that invests in this Portfolio, you may continue your investment. If, prior to May 1, 2006, you enrolled in one of our automatic transaction programs such as automatic additions, portfolio rebalancing, or dollar cost averaging, we will continue to effect automatic transactions into the Variable Sub-Account in accordance with that program. Outside of these automatic transaction programs, additional allocations will not be allowed.*

/VA – Service Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date.

Contract Owners who had contract value invested in either Variable Sub-Account as of their respective closure dates may continue to submit additional investments into the Variable Sub-Accounts thereafter, although they will not be permitted to invest in the Variable Sub-Accounts if they withdraw or otherwise transfer their entire contract value from the Variable Sub-Account following the closure dates. Contract Owners who did not have contract value invested in either Variable Sub-Accounts as of their specified closure dates may not invest in the Variable Sub-Accounts.

(6) Effective as of January 31, 2014, the Oppenheimer Capital Appreciation Fund/VA – Class 2 was closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date. Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Account thereafter, although they will not be permitted to invest in the Variable Sub-Account if they withdrew or otherwise transferred their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the Variable Sub-Account as of the closure date will not be permitted to invest in the Variable Sub-Account.

(7) On or about April 27, 2015, the Fidelity^® VIP Growth Opportunities Portfolio – Service Class 2 acquired the Fidelity^® VIP Growth Stock Portfolio – Service Class 2.

(8) Effective as of February 23, 2016, the UIF U.S. Real Estate Portfolio, Class II was closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date. Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Account thereafter, although they will not be permitted to invest in the Variable Sub-Account if they withdrew or otherwise transferred their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the Variable Sub-Account as of the closure date will not be permitted to invest in the Variable Sub-Account.

* As noted above, certain Variable Sub-Accounts are closed to new investments. If you invested in these Variable Sub-Accounts prior to the effective close date, you may continue your investments unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account. If prior to the effective close date, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing or dollar cost averaging, we will continue to effect automatic transactions to these Variable Sub-Accounts in accordance with that program unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account. Outside of these automatic transaction programs, additional allocations will not be allowed. If you choose to add this TrueReturn Option on or after the effective close date, you must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts available with this TrueReturn Option prior to adding it to your Contract.

Model Portfolio Option 2

The investment requirements under Model Portfolio Option 2 depend on the Rider Date of your TrueReturn Option.

Model Portfolio Option 2 (Rider Date prior to October 1, 2004)

If your TrueReturn Option Rider Date is prior to October 1, 2004 and you choose Model Portfolio Option 2 or transfer your entire Contract Value into Model Portfolio Option 2, you may allocate your Contract Value among any of a selected group of available Variable Sub-Accounts listed below. You may choose the Variable Sub-Accounts in which you want to invest, provided you maintain the percentage allocation requirements for each category. You may also make transfers among the Variable Sub-Accounts within each category at any time, provided you maintain the percentage allocation requirements for each category. However, each transfer you make will count against the 12 transfers you can make each Contract Year without paying a transfer fee.

The following table describes the percentage allocation requirements for Model Portfolio Option 2 (Rider Date prior to October 1, 2004) and the Variable Sub-Accounts available under each category⁽¹⁾:

Model Portfolio Option 2

(Rider Date Prior to October 1, 2004)

10% Category A

20% Category B

50% Category C

20% Category D

Category A

Putnam VT Government Money Market Fund – Class IB Sub-Account

Category B

FTVIP Franklin U.S. Government Securities VIP Fund – Class 2 Sub-Account

Lord Abbett Series – Bond-Debenture Sub-Account

Oppenheimer Core Bond/VA – Service Shares Sub-Account

Oppenheimer Global Strategic Income/VA – Service Shares Sub-Account

Putnam VT High Yield – Class IB Sub-Account

Putnam VT Income – Class IB Sub-Account

UIF Emerging Markets Debt, Class II Sub-Account

UIF U.S. Real Estate, Class II Sub-Account⁽⁸⁾

Category C

Fidelity^® VIP Contrafund^® – Service Class 2 Sub-Account

Fidelity^® VIP Index 500 – Service Class 2 Sub-Account

Fidelity^® VIP Mid Cap – Service Class 2 Sub-Account

FTVIP Franklin Growth and Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Large Cap Growth VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Shares VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account⁽¹⁾

FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Accounts⁽¹⁾

Lord Abbett Series – Fundamental Equity Sub-Account

Lord Abbett Series – Growth and Income Sub-Account

Lord Abbett Series – Growth Opportunities Sub-Account

Lord Abbett Series – Mid Cap Stock Sub-Account

Oppenheimer Conservative Balanced Fund/VA – Service⁽⁵⁾

Oppenheimer Main Street^®/VA – Service Shares Sub-Account

Putnam VT Equity Income – Class IB Sub-Account

Putnam VT Global Asset Allocation – Class IB Sub-Account

Putnam VT Growth and Income – Class IB Sub-Account

Putnam VT Research – Class IB Sub-Account⁽²⁾

Putnam VT George Putnam Balanced Fund – Class IB Sub-Account

Putnam VT Global Utilities – Class IB Sub-Account⁽²⁾

Invesco V.I. Equity and Income – Series II Sub-Account

UIF Mid Cap Growth, Class II Sub-Account

Invesco V.I. American Value Fund – Series I Sub-Account and Invesco V.I. American Value Fund – Series II Sub-Account⁽³⁾

Invesco V.I. Comstock – Series II Sub-Account

Invesco V.I. Growth and Income Portfolio, Series II Sub-Account

Category D

Fidelity^® VIP Growth Opportunities – Service Class 2 Sub-Account⁽⁷⁾

FTVIP Franklin Small Cap Value VIP Fund – Class 2 Sub-Account

FTVIP Templeton Developing Markets VIP Fund – Class 2 Sub-Account

FTVIP Templeton Foreign VIP Fund – Class 2 Sub-Account

Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account⁽⁵⁾

Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account⁽⁶⁾

Oppenheimer Global Fund/VA – Class 2 Shares Sub-Account

Oppenheimer Main Street Small Cap^®/VA – Service Shares Sub-Account

Putnam VT Global Health Care – Class IB Sub-Account⁽²⁾

Putnam VT International Equity – Class IB Sub-Account

Putnam VT Investors – Class IB Sub-Account

Putnam VT Multi-Cap Growth Fund – Class IB Sub-Account⁽²⁾

Putnam VT Voyager – Class IB Sub-Account

UIF Growth, Class I Sub-Account⁽³⁾

UIF Growth, Class II Sub-Account⁽³⁾

UIF Global Franchise, Class II Sub-Account

UIF Small Company Growth, Class II Sub-Account

Invesco V. I. American Franchise, Class II Sub-Account

Invesco V. I. Mid Cap Growth, Class II Sub-Account⁽⁴⁾

The following Variable Sub-Accounts are not available under Model Portfolio Option 2 (Rider Date Prior to October 1, 2004): Fidelity VIP Freedom Income – Service Class 2 Sub-Account, Fidelity VIP Freedom 2010 – Service Class 2 Sub-Account, Fidelity VIP Freedom 2020 – Service Class 2 Sub-Account and Fidelity VIP Freedom 2030 – Service Class 2 Sub-Account. Instead, the Fidelity VIP Freedom Funds are available as Model Portfolio Options (see table under Investment Requirements Above).

Each calendar quarter, we will use the Automatic Portfolio Rebalancing Program to automatically rebalance your Contract Value in each Variable Sub-Account and return it to the percentage allocation requirements for Model Portfolio Option 2 (Rider Date prior to October 1, 2004). We will use the percentage allocations as of your most recent instructions.

(5) Effective as of August 30, 2010, the Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date. Effective as of November 19, 2010, the Oppenheimer Conservative Balanced /VA – Service Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date.

(7) On or about April 27, 2015, the Fidelity^® VIP Growth Opportunities Portfolio – Service Class 2 acquired the Fidelity^® VIP Growth Stock Portfolio – Service Class 2.

otherwise transferred their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the Variable Sub-Account as of the closure date will not be permitted to invest in the Variable Sub-Account.

Rider Date on or after October 1, 2004

If your TrueReturn Option Rider Date is on or after October 1, 2004, and you choose Model Portfolio Option 2 or transfer your entire Contract Value into Model Portfolio Option 2, you may allocate your Contract Value among any of a selected group of available Variable Sub-Accounts listed below. However, you may not allocate your Contract Value among any of the excluded Variable Sub-Accounts listed below. You may choose to invest in or transfer among any of the available Variable Sub-Accounts. However, each transfer you make will count against the 12 transfers you can make each Contract Year without paying a transfer fee.

The following table lists the available and excluded Variable Sub-Accounts under Model Portfolio Option 2 (Rider Date on or after October 1, 2004)⁽¹⁾:

Model Portfolio Option 2

(Rider Date on or after October 1, 2004)

Available

Fidelity^® VIP Freedom Income – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2010 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2020 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2030 – Service Class 2 Sub-Account

Fidelity^® VIP Contrafund^® – Service Class 2 Sub-Account

Fidelity^® VIP Index 500 – Service Class 2 Sub-Account

Fidelity^® VIP Mid Cap – Service Class 2 Sub-Account

FTVIP Franklin Growth and Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Large Cap Growth VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small Cap Value VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2 Sub-Account

FTVIP Franklin U.S. Government Securities VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Shares VIP Fund – Class 2 Sub-Account

FTVIP Templeton Developing Markets VIP Fund – Class 2 Sub-Account

FTVIP Templeton Foreign VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account⁽¹⁾

FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Account⁽¹⁾

Lord Abbett Series – Fundamental Equity Sub-Account

Lord Abbett Series – Bond-Debenture Sub-Account

Lord Abbett Series – Growth and Income Sub-Account

Lord Abbett Series – Growth Opportunities Sub-Account

Lord Abbett Series – Mid Cap Stock Sub-Account

Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account⁽⁴⁾

Oppenheimer Conservative Balanced Fund/VA – Service⁽⁴⁾

Oppenheimer Core Bond/VA – Service Shares Sub-Account

Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account⁽⁵⁾

Oppenheimer Main Street^®/VA – Service Shares Sub-Account

Oppenheimer Main Street Small Cap^®/VA – Service Shares Sub-Account

Oppenheimer Global Strategic Income/VA – Service Shares Sub-Account

Putnam VT Equity Income – Class IB Sub-Account

Putnam VT Global Asset Allocation – Class IB Sub-Account

Putnam VT Growth and Income – Class IB Sub-Account

Putnam VT High Yield – Class IB Sub-Account

Putnam VT Income – Class IB Sub-Account

Putnam VT International Equity – Class IB Sub-Account

Putnam VT Investors – Class IB Sub-Account

Putnam VT Government Money Market Fund – Class IB Sub-Account

Putnam VT George Putnam Balanced Fund – Class IB Sub-Account

Putnam VT Voyager – Class IB Sub-Account

UIF Emerging Markets Debt, Class II Sub-Account

UIF Global Franchise, Class II Sub-Account

UIF Mid Cap Growth, Class II Sub-Account

Invesco V.I. American Value, Class I Sub-Account & Invesco V.I. American Value, Class II Sub-Account⁽²⁾

UIF U.S. Real Estate, Class II Sub-Account⁽⁶⁾

Invesco V.I. American Franchise – Series II Sub-Account

Invesco V.I. Comstock – Class II Sub-Account

Invesco V.I. Growth and Income – Series II Sub-Account

Excluded

Fidelity^® VIP Growth Opportunities – Service Class 2 Sub-Account

Oppenheimer Global Fund/ VA – Class 2 Shares Sub-Account

UIF Growth, Class I Sub-Account &UIF Growth, Class II Sub-Account⁽²⁾

UIF Small Company Growth, Class II Sub-Account

Invesco V.I. Mid Cap Growth – Series II Sub-Account⁽³⁾

(2) The UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account are offered with Contracts issued on or after May 1, 2004. Generally Contract Owners of Contracts issued prior to May 1, 2004, may invest only in the UIF Growth, Class I Sub-Account and the Invesco V.I. American Value – Series I Sub-Account. Contracts issued prior to May 1, 2004 that participate in certain TrueBalance model portfolios may invest in UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account.

(3) Effective May 1, 2006, the Invesco V.I. Mid Cap Growth – Series II was closed to new investments. If you are currently invested in the Variable Sub-Account that invests in this Portfolio, you may continue your investment. If, prior to May 1, 2006, you enrolled in one of our automatic transaction programs such as automatic additions, portfolio rebalancing, or dollar cost averaging, we will continue to effect automatic transactions into the Variable Sub-Account in accordance with that program. Outside of these automatic transaction programs, additional allocations will not be allowed.*

(4) Effective as of August 30, 2010, the following Variable Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date: Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account. Effective as of November 19, 2010, the Oppenheimer Conservative Balanced/VA – Service Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date.

Contract Owners who had contract value invested in these Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Accounts thereafter, although they will not be permitted to invest in the Variable Sub-Accounts if they withdraw or otherwise transfer their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in these Variable Sub-Accounts as of the specified closure date may not invest in the Variable Sub-Accounts.

(5) Effective as of January 31, 2014, the Oppenheimer Capital Appreciation Fund/VA – Class 2 was closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date. Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Account thereafter, although they will not be permitted to invest in the Variable Sub-Account if they withdrew or otherwise transferred their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the Variable Sub-Account as of the closure date will not be permitted to invest in the Variable Sub-Account.

(6) Effective as of February 23, 2016, the UIF U.S. Real Estate Portfolio, Class II was closed to all Contract Owners except those Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date. Contract Owners who had contract value invested in the Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Account thereafter, although they will not be permitted to invest in the Variable Sub-Account if they withdrew or otherwise transferred their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the Variable Sub-Account as of the closure date will not be permitted to invest in the Variable Sub-Account.

* As noted above, certain Variable Sub-Accounts are closed to new investments. If you invested in these Variable Sub-Accounts prior to the effective close date, you may continue your investments unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account.. If prior to the effective close date, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing or dollar cost averaging, we will continue to effect automatic transactions to these Variable Sub-Accounts in accordance with that program unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account. Outside of these automatic transaction programs, additional allocations will not be allowed. If you choose to add this TrueReturn Option on or after the effective close date, you must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts available with this TrueReturn Option prior to adding it to your Contract.

TrueBalance^SM Model Portfolio Options.

If you choose one of the TrueBalance^SM Model Portfolio Options or transfer your entire Contract Value into one of the TrueBalance^SM Model Portfolio Options, you may not choose the Variable Sub-Accounts or make transfers among the Variable Sub-Accounts in the TrueBalance Model Portfolio Option. Each TrueBalance Model Portfolio involves an allocation of assets among a group of pre-selected Variable Sub-Accounts. You cannot make transfers among the Variable Sub-Accounts nor vary the Variable Sub-Accounts that comprise a TrueBalance Model Portfolio Option. If you choose a TrueBalance Model Portfolio Option, we will invest and periodically reallocate your Contract Value according to the allocation percentages and requirements for the TrueBalance Model Portfolio Option you have selected currently. For more information regarding the TrueBalance program, see the “TrueBalance^SM Asset Allocation Program” section of this prospectus. However, note that the restrictions described in this section, specifically the restrictions on transfers and the requirement that all of your Contract Value be allocated to a TrueBalance Model Portfolio Option, apply to the TrueBalance program only if you have added the TrueReturn Option to your Contract.

Please note only certain TrueBalance Model Portfolio Options are available with your TrueReturn Option as summarized in the table under Investment Requirements above.

Cancellation of the TrueReturn Option.

You may not cancel the TrueReturn Option or make transfers, changes to your investment allocations, or changes to the Automatic Portfolio Rebalancing Program that are inconsistent with the investment restrictions applicable to your Guarantee Option and/or Model Portfolio Option prior to the 5th Rider Anniversary. Failure to comply with the investment requirements for any reason may result in the cancellation of the TrueReturn Option. On or after the 5th Rider Anniversary, we will cancel the TrueReturn Option if you make transfers, changes to your investment allocations, or changes to the Automatic Portfolio Rebalancing Program that are inconsistent with the investment requirements applicable to your Guarantee Option and/or Model Portfolio Option. We will not cancel the TrueReturn Option or make any changes to your investment allocations or to the Automatic Portfolio Rebalancing Program that are inconsistent with the investment restrictions applicable to your Guarantee Option until we receive notice from you that you wish to cancel the TrueReturn Option. No Accumulation Benefit will be paid if you cancel the Option prior to the Rider Maturity Date.

Death of Owner or Annuitant.

until terminated. If the Contract is not continued under Option D, then the TrueReturn Option will terminate on the date we receive a Complete Request for Settlement of the Death Proceeds.

Rider Trade-In Option.

We offer a “Rider Trade-In Option” that allows you to cancel your TrueReturn Option and immediately add a new TrueReturn Option (“New Option”), provided all of the following conditions are met:

• The trade-in must occur on or after the 5th Rider Anniversary and prior to the Rider Maturity Date. We reserve the right to extend the date at which time the trade-in may occur to up to the 10th anniversary of the Rider Date at any time in our sole discretion. Any change we make will not apply to a TrueReturn Option that was added to your Contract prior to the implementation date of the change.

• The New Option will be made a part of your Contract on the date the existing TrueReturn Option is cancelled, provided it is cancelled for reasons other than the termination of your Contract.

• The New Option must be a TrueReturn Option that we make available for use with the Rider Trade-In Option.

• The issue requirements and terms and conditions of the New Option must be met as of the date the New Option is made a part of your Contract.

For example, if you trade-in your TrueReturn Option:

• the new Rider Fee will be based on the Rider Fee percentage applicable to a new TrueReturn Option at the time of trade-in;

• the Benefit Base for the New Option will be based on the Contract Value as of the new Rider Date;

• the AB Factor will be determined by the Rider Periods and Guarantee Options available with the New Option;

• the Model Portfolio Options will be determined by the Model Portfolio Options offered with the Guarantee Options available with the New Option;

• any waiting period for canceling the New Option will start again on the new Rider Date;

• any waiting period for exercising the Rider Trade-In Option will start again on the new Rider Date; and

• the terms and conditions of the Rider Trade-In Option will be according to the requirements of the New Option.

We are also making the Withdrawal Benefit Options available at the time of your first utilization of this TrueReturn Rider Trade-In Option. We may discontinue offering any of these Withdrawal Benefit Options under the Rider Trade-In Option with respect to new TrueReturn Options added in the future at anytime at our discretion. If we do so, TrueReturn Options issued prior to this time will continue to have a Withdrawal Benefit Option available at the time of the first utilization of this TrueReturn Rider Trade-In Option. You may cancel your TrueReturn Option and immediately add a new SureIncome Option, a new SureIncome Plus Option, or a new SureIncome For Life Option, provided all of the following conditions are met:

• The trade-in must occur on or after the 5th Rider Anniversary and prior to the Rider Maturity Date. At our discretion, we reserve the right to extend the date at which time the trade-in may occur up to the 10th anniversary of the Rider Date at any time. Any change we make will not apply to a TrueReturn Option that was added to your Contract prior to the implementation date of the change.

• The new Withdrawal Benefit Option will be made a part of your Contract on the date the existing TrueReturn Option is cancelled, provided it is cancelled for reasons other than the termination of your Contract.

• The new Withdrawal Benefit Option must be a Withdrawal Benefit Option that we make available for use with this Rider Trade-In Option.

• The issue requirements and terms and conditions of the new Withdrawal Benefit Option must be met as of the date the new Withdrawal Benefit Option is made a part of your Contract. Currently, if you select the SureIncome or SureIncome Plus Withdrawal Benefit Option by utilizing the Rider Trade-In Option, the maximum age of any Contract Owner or Annuitant on the Rider Application Date is age 85. For other Withdrawal Benefit Options that may be selected in the future utilizing the Rider Trade-In Option, issue age requirements may differ.

You should consult with your sales representative before trading in your TrueReturn Option.

Termination of the TrueReturn Option.

The TrueReturn Option will terminate on the earliest of the following to occur:

• on the Rider Maturity Date;

• on the Payout Start Date;

• on the date your Contract is terminated;

• on the date the Option is cancelled;

• on the date we receive a Complete Request for Settlement of the Death Proceeds; or

• on the date the Option is replaced with a New Option under the Rider Trade-In Option.

We will not pay an Accumulation Benefit if the TrueReturn Option is terminated for any reason prior to the Rider Maturity Date.

Fidelity VIP Freedom Funds Model Portfolio Options.

If you choose one of the Fidelity VIP Freedom Funds Model Portfolio Options or transfer your entire Contract Value into one of the Fidelity VIP Freedom Funds Model Portfolio Options we will invest your Contract Value entirely into the Fidelity VIP Freedom Sub-Account associated with the Fidelity VIP Freedom Funds Model Portfolio Option you have currently selected. The following table lists the Fidelity VIP Freedom Sub-Account associated with each Fidelity VIP Freedom Funds Model Portfolio Option:



Fidelity VIP Freedom Funds Model Portfolio Options	Fidelity VIP Freedom Sub-Account
Fidelity VIP Freedom Income Fund Model Portfolio Option	Fidelity VIP Freedom Income – Service Class 2 Sub-Account
Fidelity VIP Freedom 2010 Fund Model Portfolio Option	Fidelity VIP Freedom 2010 – Service Class 2 Sub-Account
Fidelity VIP Freedom 2020 Fund Model Portfolio Option	Fidelity VIP Freedom 2020 – Service Class 2 Sub-Account
Fidelity VIP Freedom 2030 Fund Model Portfolio Option	Fidelity VIP Freedom 2030 – Service Class 2 Sub-Account

The Fidelity VIP Freedom Funds Model Portfolio Options are available as Model Portfolio Options under Guarantee Option 1 and Guarantee Option 2 (Rider Date prior to October 1, 2004). For Guarantee Option 2 (Rider Date on or after October 1, 2004), the Fidelity VIP Freedom Funds are part of the available Variable Sub-Accounts listed under Model Portfolio Option 2. Please note only certain Fidelity VIP Freedom Funds Model Portfolio Options are available with your TrueReturn Option as summarized in the table under Investment Requirements above.

WITHDRAWAL BENEFIT OPTIONS

“Withdrawal Benefit Options” is used to refer collectively to the SureIncome Withdrawal Benefit Option, the SureIncome Plus Withdrawal Benefit Option, and the SureIncome For Life Withdrawal Benefit Option. “Withdrawal Benefit Option” is used to refer to any one of the Withdrawal Benefit Options.

Some broker-dealers or banks may limit the availability of one or more Withdrawal Benefit Option. Your individual sales representative will describe any limitations to you.

SUREINCOME WITHDRAWAL BENEFIT OPTION

We offer the SureIncome Withdrawal Benefit Option (“SureIncome Option”), which is available for an additional fee.

The SureIncome Option provides a guaranteed withdrawal benefit that gives you the right to take limited partial withdrawals that total an amount equal to your purchase payments plus any applicable credit enhancements (subject to certain restrictions). Therefore, regardless of the subsequent fluctuations in the value of your Contract Value, you are entitled to a Benefit Payment each Benefit Year until your Benefit Base is exhausted (terms defined below).

The SureIncome Option guarantees an amount up to the “Benefit Payment Remaining” which will be available for withdrawal from the Contract each “Benefit Year” until the “Benefit Base” (defined below) is reduced to zero. If the Contract Value is reduced to zero and the Benefit Base is still greater than zero, we will distribute an amount equal to the Benefit Base to the Contract owner as described below under the “Withdrawal Benefit Payout Phase”.

For purposes of the SureIncome Option, “withdrawal” means the gross amount of a withdrawal before any applicable charges such as withdrawal charges, fees, taxes or adjustments including any applicable Market Value Adjustments and surrender charges. Under the SureIncome Option, we do not treat a withdrawal that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value.

The “Rider Date” is the date the SureIncome Option was made a part of your Contract. The initial Benefit Year is the period between the Rider Date and the first Contract Anniversary after the Rider Date. Each subsequent Benefit Year is identical to the Contract Year.

The SureIncome Option is available at issue of the Contract, or may be added later, subject to availability and issue requirements. You may not add the SureIncome Option to your Contract after Contract issue without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the SureIncome Option. Currently, you may have only one Withdrawal Benefit Option (SureIncome, SureIncome Plus or SureIncome For Life) in effect on your Contract at one time. You may only have one of the following in effect on your Contract at the same time: a Withdrawal Benefit Option, a TrueReturn Option, or a Retirement Income Guarantee Option. The SureIncome Option is only available if the oldest Contract Owner and oldest Annuitant are age 85 or younger on the effective date of the Rider (the “Rider Application Date”). (The maximum age may depend on your state.) The SureIncome Option is not available to be added to a Contract categorized as a Tax Sheltered Annuity as defined under Internal Revenue Code Section 403(b) at this time. We reserve the right to make the SureIncome Option available to such Contracts on a nondiscriminatory basis in the future at our discretion. Once added to your Contract, the SureIncome Option may be cancelled at any time on or after the 5th calendar year anniversary of the Rider Date by notifying us in writing in a form satisfactory to us.

We may discontinue offering, at any time without prior notice, the SureIncome Option to new Contract Owners and to existing Contract Owners who did not elect the SureIncome Option prior to the date of discontinuance.

Withdrawal Benefit Factor

The “Withdrawal Benefit Factor” is used to determine the “Benefit Payment” and Benefit Payment Remaining. We currently offer a Withdrawal Benefit Factor equal to 8%. We reserve the right to make other Withdrawal Benefit Factors available in the future for new SureIncome Options and/or to eliminate the current Withdrawal Benefit Factor. Once a Withdrawal Benefit Factor has been established for a SureIncome Option, it cannot be changed after the Rider Date unless that SureIncome Option is terminated.

Benefit Payment and Benefit Payment Remaining

The Benefit Payment is the amount available at the beginning of each Benefit Year that you may withdraw during that Benefit Year. The Withdrawal Benefit Factor and the Benefit Base are used to determine your Benefit Payment. The Benefit Payment Remaining is the amount remaining after any previous withdrawals in a Benefit Year that you may withdraw without reducing your Benefit Base by more than the amount of the withdrawal and without reducing your Benefit Payment available in future Benefit Years. Please note that any purchase payments or withdrawals made on a Contract Anniversary would be applied to the Benefit Year that just ended on that Contract Anniversary.

The Benefit Payment Remaining is equal to the Benefit Payment at the beginning of each Benefit Year.

During each Benefit Year the Benefit Payment Remaining will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor (currently 8% for new SureIncome Options) and reduced by the amount of each withdrawal. The Benefit Payment Remaining will never be less than zero.

On the Rider Date, the Benefit Payment is equal to the greater of:

• The Contract Value multiplied by the Withdrawal Benefit Factor (currently 8% for new SureIncome Options); or

• The value of the Benefit Payment of the previous Withdrawal Benefit Option (attached to your Contract) which is being terminated under a rider trade-in option (see “Rider Trade-In Option” below for more information), if applicable.

After the Rider Date, the Benefit Payment will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor and affected by withdrawals as follows:

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment is unchanged.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment will be the lesser of:

• The Benefit Payment immediately prior to the withdrawal; or

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal, multiplied by the Withdrawal Benefit Factor.

The Benefit Payment Remaining at the time of a withdrawal during a calendar year will be increased on a nondiscriminatory basis in order to satisfy IRS minimum distribution requirements on the Contract under which this Option has been elected. The Benefit Payment Remaining will be increased by the excess of the IRS minimum distribution required on the Contract as calculated at the end of the previous calendar year and the Benefit Payment at the end of the previous calendar year. For the purposes of this calculation, the Benefit Payment Remaining will not be increased if a Withdrawal Benefit Option was not attached to this Contract as of the end of the previous calendar year. Note that any systematic withdrawal programs designed to satisfy IRS minimum distribution requirements may need to be modified to ensure guarantees under this Option are not impacted by the withdrawals. This modification may result in uneven payment amounts throughout the year.

Benefit Base

The Benefit Base is not available as a Contract Value or Settlement Value. The Benefit Base is used solely to help calculate the Rider Fee, the amount that may be withdrawn and payments that may be received under the SureIncome Option. On the Rider Date, the Benefit Base is equal to the Contract Value. After the Rider Date, the Benefit Base will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and decreased by withdrawals as follows:

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be reduced by the amount of the withdrawal.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be the lesser of:

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal; or

• The Benefit Base immediately prior to withdrawal less the amount of the withdrawal.

The Benefit Base may also be reduced in other situations as detailed in the “Contract Owner and Assignment of Payments or Interest” section below.

If the Benefit Base is reduced to zero, this SureIncome Option will terminate.

For numerical examples that illustrate how the values defined under the SureIncome Option are calculated, see Appendix H.

Contract Owner and Assignment of Payments or Interest

If you change the Contract Owner or assign any payments or interest under this Contract, as allowed, to any living or non-living person other than your spouse on or after the first calendar year anniversary of the Rider Date, the Benefit Base will be recalculated to be the lesser of the Contract Value and the Benefit Base at the time of assignment.

Contract Value

If your Contract Value is reduced to zero due to fees or withdrawals and your Benefit Base is still greater than zero, your Contract will immediately enter the Withdrawal Benefit Payout Phase. Under the SureIncome Option, we currently do not treat a withdrawal that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value. We reserve the right to change this at any time.

Withdrawal Benefit Payout Phase

Under the Withdrawal Benefit Payout Phase, the Accumulation Phase of the Contract ends and the Contract enters the Payout Phase subject to the following:

The “Withdrawal Benefit Payout Start Date” is the date the Withdrawal Benefit Payout Phase is entered and the Accumulation Phase of the Contract ends.

No further withdrawals, purchase payments or any other actions associated with the Accumulation Phase can be made after the Withdrawal Benefit Payout Start Date.

Under the Withdrawal Benefit Payout Phase, the Payout Start Date is the first day of the next Benefit Year after the Withdrawal Benefit Payout Start Date. We reserve the right to allow other Payout Start Dates on a nondiscriminatory basis without prior notice.

During the Withdrawal Benefit Payout Phase, we will make scheduled fixed income payments to the Owner (or new Contract Owner) at the end of each month starting one month after the Payout Start Date. The amount of each payment will be equal to the Benefit Payment divided by 12, unless a payment frequency other than monthly is requested. The request must be in a form acceptable to us and processed by us before the first payment is made. (The amount of each payment will be adjusted accordingly; i.e., if the payment frequency requested is quarterly, the amount of each payment will be equal to the Benefit Payment divided by 4.) Payments will be made over a period certain such that total payments made will equal the Benefit Base on the Payout Start Date; therefore, the final payment may be less than each of the previous payments. If your Contract is subject to Internal Revenue Code Section 401(a)(9), the period certain cannot exceed that which is required by such section and the regulations promulgated thereunder. Therefore, the amount of each payment under the SureIncome Option may be larger so that the sum of the payments made over this period equals the Benefit Base on the Payout Start Date. Additionally, if your Contract is subject to Internal Revenue Code Section 401(a)(9), we will not permit a change in the payment frequency or level.

If your Contract is not subject to Internal Revenue Code Section 401(a)(9), we reserve the right to allow other payment frequencies or levels on a nondiscriminatory basis without prior notice. In no event will we allow more than one change in the payment frequency or level during a Contract Year.

If the Owner dies before all payments have been made, the remaining payments will continue to be made to the new Contract Owner as scheduled.

Once all scheduled payments have been paid, the Contract will terminate.

Generally, you may not make withdrawals, purchase payments or take any other actions associated with the Accumulation Phase after the commencement of the Withdrawal Benefit Payout Start Date.

Investment Requirements

If you add a SureIncome Option to your Contract, you must adhere to certain requirements related to the investment alternatives in which you may invest. These requirements are described in “Investment Requirements (Applicable to All Withdrawal Benefit Options)” below.

Cancellation of the SureIncome Option

You may not cancel the SureIncome Option prior to the 5th calendar year anniversary of the Rider Date. On or after the 5th calendar year anniversary of the Rider Date you may cancel the rider by notifying us in writing in a form satisfactory to us. We reserve the right to extend the date at which time the cancellation may occur to up to the 10th calendar year anniversary of the Rider Date at any time in our sole discretion. Any such change we make will not apply to a SureIncome Option that was added to your Contract prior to the implementation date of the change.

Rider Trade-In Option

We offer a “Rider Trade-In Option” that allows you to cancel your SureIncome Option and immediately add a new Withdrawal Benefit Option (“New SureIncome Option”). We currently offer the SureIncome Option or SureIncome Plus Withdrawal Benefit Option as New SureIncome Options available under the Rider Trade-In Option. We may also offer other Options (“New Options”) under the Rider Trade-In Option. However, you may only select one Option under this Rider Trade-In Option at the time you cancel

your SureIncome Option. Currently, we are also making the TrueReturn Accumulation Benefit Option available at the time of your first utilization of this Rider Trade-In Option so that you have the ability to switch from the SureIncome Option to the TrueReturn Accumulation Benefit Option. We may discontinue offering the TrueReturn Option under the Rider Trade-In Option for New SureIncome Options added in the future at anytime at our discretion. If we do so, SureIncome Options issued prior to this time will continue to have a Withdrawal Benefit Option and TrueReturn Option available at the time of the first utilization of this SureIncome Rider Trade-In Option.

This Rider Trade-in Option is available provided all of the following conditions are met:

• The trade-in must occur on or after the 5th calendar year anniversary of the Rider Date. We reserve the right to extend the date at which time the trade-in may occur to up to the 10th calendar year anniversary of the Rider Date at any time in our sole discretion. Any change we make will not apply to a SureIncome Option that was added to your Contract prior to the implementation date of the change.

• The New SureIncome Option or any New Option will be made a part of your Contract on the date the existing Option is cancelled, provided it is cancelled for reasons other than the termination of your Contract.

• The New SureIncome Option or any New Option must be an Option that we make available for use with this Rider Trade-In Option.

• The issue requirements and terms and conditions of the New SureIncome Option or the New Option must be met as of the date any such Option is made a part of your Contract. Currently, if you select the SureIncome or SureIncome Plus Withdrawal Benefit Option utilizing the Rider Trade-in Option, the maximum age of any Contract Owner or Annuitant on the Rider Application Date is age 85. For a New SureIncome Option or New Option that may be offered and selected in the future utilizing the Rider Trade-In Option, issue age requirements may differ.

If the New Option is a New SureIncome Option, it must provide that the new Benefit Payment be greater than or equal to your current Benefit Payment as of the date the Rider Trade-In Option is exercised, if applicable.

You should consult with your sales representative before trading in your SureIncome Option.

Death of Owner or Annuitant

If the Owner or Annuitant dies and the Contract is continued under Option D of the Death of Owner or Death of Annuitant provisions of your Contract, then the SureIncome Option will continue unless the Contract Owner (or new Contract Owner) elects to cancel the SureIncome Option. If the SureIncome Option is continued, it will remain in effect until terminated. If the Contract is not continued under Option D above, then the SureIncome Option will terminate on the date we receive a Complete Request for Settlement of the Death Proceeds.

If the Contract death settlement options are governed by an Endorsement and such Endorsement allows for the continuation of the Contract upon the death of the Owner or Annuitant by the spouse, the SureIncome Option will continue unless the new Owner elects to cancel the SureIncome Option. If the SureIncome Option is continued, it will remain in effect until terminated pursuant to Termination of the SureIncome Option below. If the Contract is not continued, then the SureIncome Option will terminate on the date we received a complete request for settlement of the Death Proceeds.

Termination of the SureIncome Option

The SureIncome Option will terminate on the earliest of the following to occur:

• The Benefit Base is reduced to zero;

• On the Payout Start Date (except if the Contract enters the Withdrawal Benefit Payout Phase as defined under the Withdrawal Benefit Payout Phase section);

• On the date the Contract is terminated;

• On the date the SureIncome Option is cancelled;

• On the date we receive a Complete Request for Settlement of the Death Proceeds; or

• On the date the SureIncome Option is replaced with a New Option under the Rider Trade-In Option.

SUREINCOME PLUS WITHDRAWAL BENEFIT OPTION

We offer the SureIncome Plus Withdrawal Benefit Option (“SureIncome Plus Option”), except in a limited number of states where it is not currently available, for an additional fee. The SureIncome Plus Option provides a guaranteed withdrawal benefit that gives you the right to take limited partial withdrawals, which may increase during the first 10 years of the Option, that total an amount equal to your purchase payments plus any applicable credit enhancements, subject to certain restrictions. Therefore, regardless of the subsequent fluctuations in the value of your Contract Value, you are entitled to a Benefit Payment each Benefit Year until your Benefit Base is exhausted (see defined terms below). The SureIncome Plus Option also provides an additional death benefit option.

zero and the Benefit Base is still greater than zero, we will distribute an amount equal to the Benefit Base to the Contract Owner as described below under the “Withdrawal Benefit Payout Phase”. Prior to the commencement of the Withdrawal Benefit Payout Phase, the SureIncome Plus Option also provides an additional death benefit option, the SureIncome Return of Premium Death Benefit (“SureIncome ROP Death Benefit”). This death benefit option is described below under “Death of Owner or Annuitant” and in the Death Benefits section starting on page 71.

For purposes of the SureIncome Plus Option, “withdrawal” means the gross amount of a withdrawal before any applicable charges such as withdrawal charges, fees, taxes or adjustments including any applicable Market Value Adjustments and surrender charges. Under the SureIncome Plus Option, we do not treat a withdrawal that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value.

The “Rider Date” is the date the SureIncome Plus Option was made a part of your Contract. The initial Benefit Year is the period between the Rider Date and the first Contract Anniversary after the Rider Date. Each subsequent Benefit Year is identical to the Contract Year.

The SureIncome Plus Option is available at issue of the Contract, or may be added later, subject to availability and issue requirements. You may not add the SureIncome Plus Option to your Contract after Contract issue without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the SureIncome Plus Option. Currently, you may have only one Withdrawal Benefit Option in effect on your Contract at one time. You may not have more than one of the following in effect on your Contract at the same time: a Withdrawal Benefit Option, a TrueReturn Option, or a Retirement Income Guarantee Option. The SureIncome Plus Option is only available if the oldest Contract Owner and oldest Annuitant are age 85 or younger on the effective date of the Rider (the “Rider Application Date”). (The maximum age may depend on your state.) The SureIncome Plus Option may not be added to a Contract categorized as a Tax Sheltered Annuity as defined under Internal Revenue Code Section 403(b) at this time. We reserve the right to make the SureIncome Plus Option available to such Contracts on a nondiscriminatory basis in the future at our discretion. Once added to your Contract, the SureIncome Plus Option may not be cancelled at any time.

We may discontinue offering the SureIncome Plus Option at any time to new Contract Owners and to existing Contract Owners who did not elect the SureIncome Plus Option prior to the date of discontinuance.

Withdrawal Benefit Factor

The “Withdrawal Benefit Factor” is used to determine the “Benefit Payment” and Benefit Payment Remaining. We currently offer a Withdrawal Benefit Factor equal to 8%. We reserve the right to make other Withdrawal Benefit Factors available in the future for new SureIncome Plus Options and/or to eliminate the current Withdrawal Benefit Factor. Once a Withdrawal Benefit Factor has been established for a SureIncome Plus Option, it cannot be changed after the Rider Date.

Benefit Payment and Benefit Payment Remaining

The Benefit Payment is the amount available at the beginning of each Benefit Year that you may withdraw during that Benefit Year. The Withdrawal Benefit Factor and the Benefit Base are used to determine your Benefit Payment. The Benefit Payment Remaining is the amount remaining after any previous withdrawals in a Benefit Year that you may withdraw without reducing your Benefit Base and your SureIncome ROP Death Benefit by more than the amount of the withdrawal and without reducing your Benefit Payment available in future Benefit Years. Please note that any purchase payments or withdrawals made on a Contract Anniversary would be applied to the Benefit Year that just ended on that Contract Anniversary.

The Benefit Payment Remaining is equal to the Benefit Payment at the beginning of each Benefit Year.

During each Benefit Year the Benefit Payment Remaining will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor (currently 8% for new SureIncome Plus Options) and reduced by the amount of each withdrawal. The Benefit Payment Remaining will never be less than zero.

On the Rider Date, the Benefit Payment is equal to the greater of:

• The Contract Value multiplied by the Withdrawal Benefit Factor (currently 8% for new SureIncome Plus Options); or

• The value of the Benefit Payment of the previous Withdrawal Benefit Option (attached to your Contract) which is being terminated under a rider trade-in option, if applicable. See Rider Trade-In Option, above, under SureIncome Withdrawal Benefit Option for more information.

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment is unchanged.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment will be the lesser of:

• The Benefit Payment immediately prior to the withdrawal; or

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal, multiplied by the Withdrawal Benefit Factor.

As used in the above calculation, Contract Value incorporates the impact of any purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) received on the date of this withdrawal, but before the application of any SureIncome Plus Withdrawal Benefit Option Fee, Spousal Protection Benefit Option Fee, Spousal Protection Benefit Option for Custodial Individual Retirement Accounts Fee or Contract Maintenance Charge that may be applicable.

On each of the ten Contract Anniversaries after the Rider Date, the amount of the Benefit Payment may be increased based upon the maximum anniversary value of the Contract according to the following calculation. The Benefit Payment will be recalculated to the greater of:

• The Benefit Payment following the application of all purchase payments and withdrawals on that Contract Anniversary; and

• The Contract Value on that Contract Anniversary, following the application of all purchase payments, withdrawals, and expenses multiplied by the Withdrawal Benefit Factor.

Benefit Base

The Benefit Base is not available as a Contract Value or Settlement Value. The Benefit Base is used solely to help calculate the Rider Fee, the amount that may be withdrawn and payments that may be received under the SureIncome Plus Option. On the Rider Date, the Benefit Base is equal to the Contract Value. After the Rider Date, the Benefit Base will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and decreased by withdrawals as follows:

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be reduced by the amount of the withdrawal.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be the lesser of:

• The Contract Value immediately prior to the withdrawal less the amount of the withdrawal; or

• The Benefit Base immediately prior to the withdrawal less the amount of the withdrawal.

On each of the ten Contract Anniversaries after the Rider Date, the amount of the Benefit Base may be increased based upon the maximum anniversary value of the Contract according to the following calculation. The Benefit Base will be recalculated to the greater of:

• The Benefit Base following the application of all purchase payments and withdrawals on that Contract Anniversary; and

• The Contract Value on that Contract Anniversary, following the application of all purchase payments, withdrawals and expenses.

The Benefit Base may also be reduced in other situations as detailed in the “Contract Owner and Assignment of Payments or Interest” section below.

If the Benefit Base is reduced to zero, this SureIncome Plus Option will terminate.

For numerical examples that illustrate how the values defined under the SureIncome Plus Option are calculated, see Appendix I.

Contract Owner and Assignment of Payments or Interest

If you change the Contract Owner or assign any payments or interest under the Contract, as allowed, to any living or non-living person other than your spouse on or after the first calendar year anniversary of the Rider Date, the Benefit Base will be recalculated to be the lesser of the Contract Value or the Benefit Base at the time of assignment.

Contract Value

that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value. We reserve the right to change this at any time.

Withdrawal Benefit Payout Phase

Under the Withdrawal Benefit Payout Phase, the Accumulation Phase of the Contract ends and the Contract enters the Payout Phase.

The “Withdrawal Benefit Payout Start Date” is the date the Withdrawal Benefit Payout Phase is entered and the Accumulation Phase of the Contract ends. No further withdrawals, purchase payments or any other actions associated with the Accumulation Phase of the Contract can be made after the Withdrawal Benefit Payout Start Date. Since the Accumulation Phase ends at this point, the SureIncome ROP Death Benefit no longer applies.

During the Withdrawal Benefit Payout Phase, we will make scheduled fixed income payments to the Owner (or new Contract Owner) at the end of each month starting one month after the commencement of the Payout Start Date. The amount of each payment will be equal to the Benefit Payment divided by 12, unless a payment frequency other than monthly is requested. The request must be in a form acceptable to us and processed by us before the first payment is made. (The amount of each payment will be adjusted accordingly; i.e., if the payment frequency requested is quarterly, the amount of each payment will be equal to the Benefit Payment divided by 4.) Payments will be made over a period certain such that total payments made will equal the Benefit Base on the Payout Start Date; therefore, the final payment may be less than each of the previous payments. If your Contract is subject to Internal Revenue Code Section 401(a)(9), the period certain cannot exceed that which is required by such section and the regulations promulgated thereunder. Therefore, the amount of each payment under the SureIncome Plus Option may be larger so that the sum of the payments made over this period equals the Benefit Base on the Payout Start Date. Additionally, if your Contract is subject to Internal Revenue Code Section 401(a)(9), we will not permit a change in the payment frequency or level.

If the Owner dies before all payments have been made, the remaining payments will continue to be made to the new Contract Owner as scheduled.

Once all scheduled payments have been paid, the Contract will terminate.

Generally, you may not make withdrawals, purchase payments or take any other actions associated with the Accumulation Phase after the Withdrawal Benefit Payout Start Date.

Investment Requirements

If you add a SureIncome Plus Option to your Contract, you must adhere to certain requirements related to the investment alternatives in which you may invest. These requirements are described in “Investment Requirements (Applicable to All Withdrawal Benefit Options)” below.

Death of Owner or Annuitant

If the Owner or the Annuitant dies and the Contract is continued under Option D of the Death of Owner or Death of Annuitant provisions of your Contract, then the SureIncome Plus Option will continue unless the Contract Owner (or new Contract Owner) elects to cancel the SureIncome Plus Option. If the SureIncome Plus Option is continued, it will remain in effect until terminated. If the Contract is not continued under Option D above, then the SureIncome Plus Option will terminate on the date we receive a Complete Request for Settlement of the Death Proceeds.

If the Contract death settlement options are governed by an Endorsement and such Endorsement allows for the continuation of the Contract upon the death of the Owner or Annuitant by the spouse, the SureIncome Plus Option will continue unless the new Owner elects to cancel the SureIncome Plus Option. If the SureIncome Plus Option is continued, it will remain in effect until terminated pursuant to Termination of the SureIncome Plus Option below. If the Contract is not continued, then the SureIncome Plus Option will terminate on the date we received a complete request for settlement of the Death Proceeds.

The SureIncome Plus Option also makes available the SureIncome ROP Death Benefit. On the Rider Date, the SureIncome ROP Death Benefit is equal to the Contract Value. After the Rider Date, the SureIncome ROP Death Benefit will be increased by purchase payments (and Credit Enhancements in the case of Allstate Advisor Plus Contracts) and decreased by withdrawals as follows:

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the SureIncome ROP Death Benefit will be reduced by the amount of the withdrawal.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the SureIncome ROP Death Benefit will be the lesser of:

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal; or

• The SureIncome ROP Death Benefit immediately prior to withdrawal less the amount of the withdrawal.

As used in the above calculation, Contract Value incorporates the impact of any purchase payments (and Credit Enhancements in the case of Allstate Advisor Plus Contracts) received on the date of this withdrawal, but before the application of any SureIncome Plus Withdrawal Benefit Option Fee, Spousal Protection Benefit Option Fee, Spousal Protection Benefit Option for Custodial Individual Retirement Accounts Fee or Contract Maintenance Charge that may be applicable.

For numerical examples that illustrate how the SureIncome ROP Death Benefit under the SureIncome Plus Option is calculated, see Appendix I.

Refer to the Death Benefits section (page 71) for more details on the SureIncome ROP Death Benefit.

Termination of the SureIncome Plus Option

The SureIncome Plus Option will terminate on the earliest of the following to occur:

• The Benefit Base is reduced to zero;

• On the Payout Start Date (except if the Contract enters the Withdrawal Benefit Payout Phase as defined under the Withdrawal Benefit Payout Phase section);

• On the date the Contract is terminated;

• On the date the SureIncome Plus Option is cancelled as detailed under Death of Owner or Annuitant above; or

• On the date we receive a Complete Request for Settlement of the Death Proceeds.

SUREINCOME FOR LIFE WITHDRAWAL BENEFIT OPTION

We offer the SureIncome For Life Withdrawal Benefit Option (“SureIncome For Life Option”), except in a limited number of states where it is not currently available, for an additional fee. The SureIncome For Life Option provides a guaranteed withdrawal benefit that gives you the right to take limited partial withdrawals, which may increase during the first 10 years of the Option, as long as the SureIncome Covered Life is alive, subject to certain restrictions. Therefore, regardless of subsequent fluctuations in the value of your Contract Value, you are entitled to a Benefit Payment each Benefit Year until the death of the SureIncome Covered Life (as defined below), subject to certain restrictions. The SureIncome For Life Option also provides an additional death benefit option.

The SureIncome For Life Option guarantees an amount up to the “Benefit Payment Remaining” which will be available for withdrawal from the Contract each “Benefit Year” as long as the SureIncome Covered Life is alive, subject to certain restrictions. The “SureIncome Covered Life” is the oldest Contract Owner, or the oldest Annuitant if the Contact Owner is a non-living entity, on the Rider Date. If the Contract Value is reduced to zero and the Benefit Payment is still greater than zero, we will distribute an amount equal to the Benefit Payment each year to the Contract Owner as described below under the “Withdrawal Benefit Payout Phase” as long as the SureIncome Covered Life is alive. Prior to the commencement of the Withdrawal Benefit Payout Phase, the SureIncome For Life Option also provides an additional death benefit option, the SureIncome Return of Premium Death Benefit (“SureIncome ROP Death Benefit”). This Option is described below under “Death of Owner or Annuitant” and in the Death Benefits section starting on page 71.

For purposes of the SureIncome For Life Option, “withdrawal” means the gross amount of a withdrawal before any applicable charges such as withdrawal charges, fees, taxes or adjustments including any applicable Market Value Adjustments and surrender charges. Under the SureIncome For Life Option, we do not treat a withdrawal that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value.

The “Rider Date” is the date the SureIncome For Life Option was made a part of your Contract. The initial Benefit Year is the period between the Rider Date and the first Contract Anniversary after the Rider Date. Each subsequent Benefit Year is identical to the Contract Year.

The SureIncome For Life Option is available at issue of the Contract, or may be added later, subject to availability and issue requirements. You may not add the SureIncome For Life Option to your Contract after Contract issue without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the SureIncome For Life Option. Currently, you may have only one Withdrawal Benefit Option in effect on your Contract at one time. You may only have one of the following in effect on your Contract at the same time: a Withdrawal Benefit Option, a TrueReturn Option, or a Retirement Income Guarantee Option. The SureIncome For Life Option is only available if the oldest Contract Owner or the oldest Annuitant, if the Contract Owner is a non-living entity (i.e., the SureIncome Covered Life) is between the ages of 50 and 79, inclusive, on the effective date of the Rider (the “Rider Application Date”). (The maximum age may depend on your state.) The SureIncome For Life Option may not be added to a Contract categorized as a Tax Sheltered Annuity as defined under Internal Revenue Code Section 403(b) at this time. We reserve the right to make the SureIncome For Life Option available to such Contracts on a nondiscriminatory basis in the future at our discretion. Once added to your Contract, the SureIncome For Life Option may not be cancelled at any time.

We may discontinue offering the SureIncome For Life Option at any time to new Contract Owners and to existing Contract Owners who did not elect the SureIncome For Life Option prior to the date of discontinuance.

Withdrawal Benefit Factor

Benefit Payout Phase, the Withdrawal Benefit Factor used in these determinations may change as shown below. Generally speaking, during this period the Withdrawal Benefit Factor will increase as the SureIncome Covered Life grows older. On the earlier of the date of the first withdrawal after the issuance of the SureIncome for Life Option or the date the Contract enters the Withdrawal Benefit Payout Phase, the Withdrawal Benefit Factor will be fixed at the then applicable rate, based on the then current attained age of the SureIncome Covered Life, and will be used in all subsequent determinations of Benefit Payments and Benefit Payments Remaining. After this date the Withdrawal Benefit Factor will not change.

We currently offer the following Withdrawal Benefit Factors:



Attained Age of SureIncome Covered Life	Withdrawal Benefit Factor
50 – 59	4 %
60 – 69	5 %
70 +	6 %

The Withdrawal Benefit Factors and age ranges applicable to your Contract are set on the Rider Date. They cannot be changed after the SureIncome For Life Option has been added to your Contract. We reserve the right to make other Withdrawal Benefit Factors available in the future for new SureIncome For Life Options, change the age ranges to which they apply, and/or to eliminate currently available Withdrawal Benefit Factors.

Benefit Payment and Benefit Payment Remaining

The Benefit Payment is the amount available at the beginning of each Benefit Year that you may withdraw during that Benefit Year. The Withdrawal Benefit Factor and the Benefit Base are used to determine your Benefit Payment. The Benefit Payment Remaining is the amount remaining after any previous withdrawals in a Benefit Year that you may withdraw without reducing your Benefit Base and your SureIncome ROP Death Benefit by more than the amount of the withdrawal and without reducing your Benefit Payment available in future Benefit Years. Please note that any premiums or withdrawals made on a Contract Anniversary are applied to the Benefit Year that just ended on that Contract Anniversary.

The Benefit Payment Remaining is equal to the Benefit Payment at the beginning of each Benefit Year.

On the Rider Date, the Benefit Payment is equal to the Contract Value multiplied by the Withdrawal Benefit Factor based on the current attained age of the SureIncome Covered Life.

After the Rider Date, the Benefit Payment and Benefit Payment Remaining will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor based on the current attained age of the SureIncome Covered Life. On the date of the first withdrawal after the Rider Date the Benefit Payment and Benefit Payment Remaining will equal the Withdrawal Benefit Factor based on the current attained age of the SureIncome Covered Life multiplied by the Benefit Base immediately after application of any purchase payments, but prior to the withdrawal on that date. The Withdrawal Benefit Factor used in all future calculations will not change.

After the first withdrawal, the Benefit Payment Remaining will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor. The Benefit Payment Remaining is reduced by the amount of any withdrawal. The Benefit Payment Remaining will never be less than zero.

After the first withdrawal, the Benefit Payment will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) multiplied by the Withdrawal Benefit Factor. The Benefit Payment is affected by withdrawals as follows:

• If a withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment is unchanged.

• If a withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Payment will be the lesser of:

• The Benefit Payment immediately prior to the withdrawal; or

• The Benefit Base immediately after the withdrawal multiplied by the Withdrawal Benefit Factor.

If the Benefit Payment is reduced to zero, the SureIncome For Life Option will terminate.

• The Benefit Payment following application of all purchase payments and withdrawals on that Contract Anniversary; or

• The Contract Value on that Contract Anniversary, following the application of all purchase payments, withdrawals and expenses, multiplied by the Withdrawal Benefit Factor currently applicable.

Payment Remaining will be increased by the excess of the IRS minimum distribution required on the Contract as calculated at the end of the previous calendar year and the Benefit Payment at the end of the previous calendar year. For the purposes of this calculation, the Benefit Payment Remaining will not be increased if a Withdrawal Benefit Option was not attached to this Contract as of the end of the previous calendar year. Note that any systematic withdrawal programs designed to satisfy IRS minimum distribution requirements may need to be modified to ensure guarantees under this Option are not impacted by the withdrawals. This modification may result in uneven payment amounts throughout the year.

Benefit Base

The Benefit Base is not available as a Contract Value or Settlement Value. The Benefit Base is used solely to help calculate the Rider Fee, the amount that may be withdrawn and payments that may be received under the SureIncome For Life Option. On the Rider Date, the Benefit Base is equal to the Contract Value. After the Rider Date, the Benefit Base will be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and decreased by withdrawals as follows:

• If the withdrawal is less than or equal to the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be reduced by the amount of the withdrawal.

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the Benefit Base will be the lesser of:

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal; or

• The Benefit Base immediately prior to withdrawal less the amount of the withdrawal (this value cannot be less than zero).

As used in the above calculation, Contract Value incorporates the impact of any purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) received on the date of this withdrawal, but before the application of any SureIncome For Life Withdrawal Benefit Option Fee, Spousal Protection Benefit Option Fee, Spousal Protection Benefit Option for Custodial Individual Retirement Accounts Fee or Contract Maintenance Charge that may be applicable.

• The Benefit Base following the application of all purchase payments and withdrawals on that Contract Anniversary; and

• The Contract Value on that Contract Anniversary, following the application of all purchase payments, withdrawals and expenses.

For numerical examples that illustrate how the values defined under the SureIncome For Life Option are calculated, see Appendix J.

Contract Value

If your Contract Value is reduced to zero due to fees or withdrawals and your Benefit Payment is still greater than zero, your Contract will immediately enter the Withdrawal Benefit Payout Phase. Under the SureIncome For Life Option, we currently do not treat a withdrawal that reduces the Contract Value to less than $1,000 as a withdrawal of the entire Contract Value. We reserve the right to change this at any time.

Withdrawal Benefit Payout Phase

Under the Withdrawal Benefit Payout Phase, the Accumulation Phase of the Contract ends and the Contract enters the Payout Phase.

The “Withdrawal Benefit Payout Start Date” is the date the Withdrawal Benefit Payout Phase is entered and the Accumulation Phase of the Contract ends. No further withdrawals, purchase payments or any other actions associated with the Accumulation Phase of the Contract can be made after the Withdrawal Benefit Payout Start Date. Since the Accumulation Phase of the Contract ends at this point, the SureIncome ROP Death Benefit no longer applies.

During the Withdrawal Benefit Payout Phase, we will make scheduled fixed income payments to the Owner (or new Contract Owner) at the end of each month starting one month after the Payout Start Date. The amount of each payment will be equal to the Benefit Payment divided by 12, unless a payment frequency other than monthly is requested. The request must be in a form acceptable to us and processed by us before the first payment is made. (The amount of each payment will be adjusted accordingly; i.e. if the payment frequency requested is quarterly, the amount of each payment will be equal to the Benefit Payment divided by 4.) Payments will be made until the later of the death of the SureIncome Covered Life or over a period certain based on the total payments made equaling at least the Benefit Base on the Payout Start Date. If your Contract is subject to Internal Revenue Code Section 401(a)(9), the period certain cannot exceed that which is required by such section and the regulations promulgated thereunder. Therefore, the amount of each payment under the SureIncome For Life Option may be larger during the period certain so that the sum of the payments made over this period equals the Benefit Base on the Payout Start Date. Additionally, if your Contract is subject to Internal Revenue Code Section 401(a)(9), we will not permit a change in the payment frequency or level.

If the Owner dies before all payments have been made, the remaining payments will continue to be made to the new Contract Owner as scheduled.

Once all scheduled payments have been paid, the Contract will terminate.

Generally, you may not make withdrawals, purchase payments or take any other actions associated with the Accumulation Phase after the commencement of the Withdrawal Benefit Payout Start Date.

Investment Requirements

If you add a SureIncome For Life Option to your Contract, you must adhere to certain requirements related to the investment alternatives in which you may invest. These requirements are described in “Investment Requirements (Applicable to All Withdrawal Benefit Options)” below.

Death of Owner or Annuitant

If the SureIncome Covered Life dies during the Accumulation Phase of the Contract, the SureIncome For Life Option will terminate on the date of the SureIncome Covered Life’s death. If the Contract Owner or the Annuitant who is not the SureIncome Covered Life dies and the Contract is continued under Option D of the Death of Owner or Death of Annuitant provisions of your Contract, then the SureIncome For Life Option will continue unless the Contract Owner (or new Contract Owner) elects to cancel the SureIncome For Life Option. If the SureIncome For Life Option is continued, it will remain in effect until terminated. If the Contract is not continued under Option D, then the SureIncome For Life Option will terminate on the date we receive a Complete Request for Settlement of the Death Proceeds.

The SureIncome For Life Option also makes available the SureIncome ROP Death Benefit. The SureIncome ROP Death Benefit is only available upon the death of the SureIncome Covered Life. If a Contract Owner, Annuitant or Co-Annuitant who is not the SureIncome Covered Life dies, the SureIncome ROP Death Benefit is not applicable. On the Rider Date, the SureIncome ROP Death Benefit is equal to the Contract Value. After the Rider Date, the SureIncome ROP Death Benefit will be increased by purchase payments (and Credit Enhancements in the case of Allstate Advisor Plus Contracts) and decreased by withdrawals as follows:

• If the withdrawal is greater than the Benefit Payment Remaining in effect immediately prior to the withdrawal, the SureIncome ROP Death Benefit will be the lesser of:

• The Contract Value immediately prior to withdrawal less the amount of the withdrawal; or

• The SureIncome ROP Death Benefit immediately prior to withdrawal less the amount of the withdrawal.

As used in the above calculation, Contract Value incorporates the impact of any purchase payments (and Credit Enhancements in the case of Allstate Advisor Plus Contracts) received on the date of this withdrawal, but before the application of any SureIncome For Life Withdrawal Benefit Option Fee, Spousal Protection Benefit Option Fee, Spousal Protection Benefit Option for Custodial Individual Retirement Accounts Fee or Contract Maintenance Charge applicable.

For numerical examples that illustrate how the SureIncome ROP Death Benefit under the SureIncome For Life Option is calculated, see Appendix J.

Refer to the Death Benefits section page 71 for more details on the SureIncome ROP Death Benefit.

Termination of the SureIncome For Life Option

The SureIncome For Life Option will terminate on the earliest of the following to occur:

• The Benefit Payment is reduced to zero;

• On the Payout Start Date (except if the Contract enters the Withdrawal Benefit Payout Phase as defined under the Withdrawal Benefit Payout Phase section);

• On the date the Contract is terminated;

• On the date the SureIncome Covered Life is removed from the Contract for any reason, and is no longer a Contract Owner or Annuitant under the Contract (if the Covered Life continues as only the Beneficiary, the Option will terminate);

• On the date the SureIncome For Life Option is cancelled as detailed under Death of Owner or Annuitant section above;

• On the date we receive a Complete Request for Settlement of the Death Proceeds; or

• On the date the SureIncome Covered Life dies if the SureIncome Covered Life dies prior to the Payout Start Date.

INVESTMENT REQUIREMENTS (APPLICABLE TO ALL WITHDRAWAL BENEFIT OPTIONS)

If you add a Withdrawal Benefit Option to your Contract, you must adhere to certain requirements related to the investment alternatives in which you may invest. The specific requirements are described below in more detail and will depend on your current Model Portfolio Option and your Withdrawal Benefit Factor(s). These requirements may include, but are not limited to, maximum investment limits on certain Variable Sub-Accounts or on certain Fixed Account Options, exclusion of certain Variable Sub-Accounts or of certain Fixed Account Options, required minimum allocations to certain Variable Sub-Accounts, and restrictions on transfers to or from certain investment alternatives. We may also require that you use the Automatic Portfolio Rebalancing Program. We may change the specific requirements that are applicable at any time in our sole discretion. Any changes we make will not apply to a Withdrawal Benefit Option that was made a part of your Contract prior to the implementation date of the change, except for changes made due to a change in investment alternatives available under the Contract. This restriction does not apply to a New SureIncome Option or to a New Option elected pursuant to the Rider Trade-In Option. We reserve the right to have requirements unique to specific Withdrawal Benefit Factors if we make other Withdrawal Benefit Factors available in the future including specific model portfolio options (“Model Portfolio Options”) as described below available only to certain Withdrawal Benefit Factors.

When you add a Withdrawal Benefit Option to your Contract, you must allocate your entire Contract Value as follows:

1) to a Model Portfolio Option available as described below;

2) to the DCA Fixed Account Option and then transfer all purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and interest to an available Model Portfolio Option; or

3) to a combination of (1) and (2) above.

For (2) and (3) above, the requirements for the DCA Fixed Account Option must be met. See the “Dollar Cost Averaging Fixed Account Option” section of this prospectus for more information.

On the Rider Date, you must select only one of the Model Portfolio Options to which to allocate your Contract Value. After the Rider Date, you may transfer your entire Contract Value to any of the other available Model Portfolio Options. We currently offer several Model Portfolio Options. The Model Portfolio Options that are available may differ depending upon the effective date of your Withdrawal Benefit Option and your Withdrawal Benefit Factor. Please refer to the Model Portfolio Option and TrueBalance^SM Model Portfolio Options sections of this prospectus for more details. We may add other Model Portfolio Options in the future. We also may remove Model Portfolio Options in the future anytime prior to the date you select such Model Portfolio Option. In addition, if the investment alternatives available under the Contract change, we may revise the Model Portfolio Options. The following table summarizes the Model Portfolio Options currently available for use:

* Model Portfolio Option 1

* TrueBalance Conservative Model Portfolio Option

* TrueBalance Moderately Conservative Model Portfolio Option

* TrueBalance Moderate Model Portfolio Option

* TrueBalance Moderately Aggressive Model Portfolio Option

* TrueBalance Aggressive Model Portfolio Option

Note: The TrueBalance Model Portfolio Options were first made available in connection with a Withdrawal Benefit Option on May 1, 2005. Any TrueBalance model portfolios offered under the TrueBalance Asset Allocation Program prior to May 1, 2005, may not be used in connection with a Withdrawal Benefit Option.

You may not allocate any of your Contract Value to the Standard Fixed Account Option or to the Market Value Adjusted Fixed Account Option. You must transfer any portion of your Contract Value that is allocated to the Standard Fixed Account Option or to the Market Value Adjusted Fixed Account Option to the Variable Sub-Accounts prior to adding a Withdrawal Benefit Option to your Contract. Transfers from the Market Value Adjusted Fixed Account Option may be subject to a Market Value Adjustment. You may allocate any portion of your purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) to the DCA Fixed Account Option on the Rider Date, provided the DCA Fixed Account Option is available with your Contract and in your state. See the “Dollar Cost Averaging Fixed Account Option” section of this prospectus for more information. We use the term “Transfer Period Account” to refer to each purchase payment allocation made to the DCA Fixed Account Option for a specified term length. At the expiration of a Transfer Period Account, any remaining amounts in the Transfer Period Account will be transferred to the Variable Sub-Accounts according to your most recent percentage allocation selections for your Model Portfolio Option.

Any subsequent purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made to your Contract will be allocated to the Variable Sub-Accounts according to your specific instructions or your allocation for the previous purchase payment (for Model Portfolio Option 1) or the percentage allocation for your current Model Portfolio Option (for TrueBalance Model Portfolio Options) unless you request that the purchase payment (and Credit Enhancement for Allstate Advisor Plus Contracts) be allocated to the DCA Fixed Account Option. Purchase payments allocated to the DCA Fixed Account Option must be $100 or more. Any withdrawals you request will reduce your Contract Value invested in each of the investment alternatives on a pro rata basis in the proportion that your Contract Value in each bears to your total Contract Value in all investment alternatives, unless you request otherwise.

Model Portfolio Option 1.

If you choose Model Portfolio Option 1 or transfer your entire Contract Value into Model Portfolio Option 1, we have divided the Variable Sub-Accounts into two separate categories: “Available” and “Excluded.” Currently, you may allocate up to 100% of your Contract Value to the Available Variable Sub-Accounts in any manner you choose. You may not allocate ANY PORTION of your Contract Value to the Excluded Variable Sub-Accounts. You may make transfers among any of the Available Variable Sub-Accounts. However, each transfer you make will count against the 12 transfers you can make each Contract Year without paying a transfer fee.

Currently the Available Variable Sub-Accounts and the Excluded Variable Sub-Accounts are as follows⁽¹⁾:

Available

Fidelity^® VIP Freedom Income – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2010 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2020 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2030 – Service Class 2 Sub-Account

Fidelity^® VIP Contrafund^® – Service Class 2 Sub-Account

Fidelity^® VIP Index 500 – Service Class 2 Sub-Account

Fidelity^® VIP Mid Cap – Service Class 2 Sub-Account

FTVIP Franklin Growth and Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Large Cap Growth VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small Cap Value VIP Fund – Class 2 Sub-Account

FTVIP Franklin U.S. Government Securities VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Shares VIP Fund – Class 2 Sub-Account

FTVIP Templeton Developing Markets VIP Fund – Class 2 Sub-Account

FTVIP Templeton Foreign VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account⁽¹⁾

FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Account⁽¹⁾

Lord Abbett Series – Fundamental Equity Sub-Account

Lord Abbett Series – Bond-Debenture Sub-Account

Lord Abbett Series – Growth and Income Sub-Account

Lord Abbett Series – Growth Opportunities Sub-Account

Lord Abbett Series – Mid Cap Stock Sub-Account

Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account⁽⁴⁾

Oppenheimer Conservative Balanced Fund/ VA – Service⁽⁴⁾

Oppenheimer Core Bond/VA – Service Shares Sub-Account

Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account⁽⁵⁾

Oppenheimer Main Street^®/VA – Service Shares Sub-Account

Oppenheimer Main Street Small Cap Fund/VA – Class 2 Shares Sub-Account

Oppenheimer Global Strategic Income/VA – Service Shares Sub-Account

Putnam VT Equity Income – Class IB Sub-Account

Putnam VT Global Asset Allocation – Class IB Sub-Account

Putnam VT Growth and Income – Class IB Sub-Account

Putnam VT High Yield – Class IB Sub-Account

Putnam VT Income – Class IB Sub-Account

Putnam VT International Equity – Class IB Sub-Account

Putnam VT Investors – Class IB Sub-Account

Putnam VT Government Money Market Fund – Class IB Sub-Account

Putnam VT George Putnam Balanced Fund – Class IB Sub-Account

Putnam VT Voyager – Class IB Sub-Account

UIF Emerging Markets Debt, Class II Sub-Account

UIF Global Franchise, Class II Sub-Account

UIF Mid Cap Growth, Class II Sub-Account

Invesco V.I. American Value, Class I Sub-Account & Invesco V.I. American Value, Class II Sub-Account⁽²⁾

UIF U.S. Real Estate, Class II Sub-Account⁽⁶⁾

Invesco V.I. American Franchise – Series II Sub-Account

Invesco V.I. Comstock – Series II Sub-Account

Invesco V.I. Growth and Income – Series II Sub-Account

Excluded

Fidelity^® VIP Growth Opportunities – Service Class 2 Sub-Account

Oppenheimer Global Fund/VA – Class 2 Shares Sub-Account

UIF Growth, Class I Sub-Account &UIF Growth, Class II Sub-Account⁽²⁾

UIF Small Company Growth, Class II Sub-Account

Invesco V. I. Mid Cap Growth – Series II Sub-Account⁽³⁾

(1) The FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account and the FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Account, which were closed to new investments effective May 1, 2003, are not available with the SureIncome Option. You must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts offered with the SureIncome Option prior to adding the SureIncome Option to your Contract.*

(2) The Invesco V.I. American Value – Series II Sub-Account is offered with Contracts issued on or after May 1, 2004. Generally Contract Owners of Contracts issued prior to May 1, 2004, may invest only in the Invesco V.I. American Value – Series I Sub-Account. Contracts issued prior to May 1, 2004 that participate in certain TrueBalance model portfolios may invest in UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account.

(4) Effective as of August 30, 2010, the Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date. Effective as of November 19, 2010, the Oppenheimer Conservative Balanced/VA – Service Shares Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date.

Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date may continue to submit additional investments into the Variable Sub-Accounts thereafter, although they will not be permitted to invest in the Variable Sub-Accounts if they withdraw or otherwise transfer their entire contract value from the Variable Sub-Account following the closure date. Contract Owners who did not have contract value invested in the indicated Variable Sub-Accounts as of the specified closure date may not invest in the Variable Sub-Accounts.

* As noted above, certain Variable Sub-Accounts are closed to new investments. If you invested in these Variable Sub-Accounts prior to the effective close date, you may continue your investments unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account. If prior to the effective close date, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing or dollar cost averaging, we will continue to effect automatic transactions to these Variable Sub-Accounts in accordance with that program unless you subsequently withdraw or otherwise transfer your entire Contract Value from that Variable Sub-Account. Outside of these automatic transaction programs, additional allocations will not be allowed. If you choose to add any Withdrawal Benefit Option on or after the effective close date, you must transfer any portion of your Contract Value that is allocated to these Variable Sub-Accounts to any of the remaining Variable Sub-Accounts available with a Withdrawal Benefit Option prior to adding it to your Contract.

TrueBalance^SM Model Portfolio Options.

If you choose one of the TrueBalance^SM Model Portfolio Options or transfer your entire Contract Value into one of the TrueBalance^SM Model Portfolio Options, you may not choose the Variable Sub-Accounts or make transfers among the Variable Sub-Accounts that comprise that TrueBalance Model Portfolio Option. Each TrueBalance Model Portfolio involves an allocation of assets among a group of pre-selected Variable Sub-Accounts. You cannot make transfers among the Variable Sub-Accounts nor vary the Variable Sub-Accounts that comprise a TrueBalance Model Portfolio Option. If you choose a TrueBalance Model Portfolio Option, we will invest and periodically reallocate your Contract Value according to the allocation percentages and requirements for the TrueBalance Model Portfolio Option you have selected currently. For more information regarding the TrueBalance program, see the “TrueBalance^SM Asset Allocation Program” section of this prospectus. However, note that the restrictions described in this section, specifically the restrictions on transfers and the requirement that all of your Contract Value be allocated to a TrueBalance Model Portfolio Option, apply to the TrueBalance program only if you have added a Withdrawal Benefit Option to your Contract.

Investment Alternatives: The Variable Sub-Accounts

You may allocate your purchase payments to various Variable Sub-Accounts. Each Variable Sub-Account invests in the shares of a corresponding Portfolio. Each Portfolio has its own investment objective(s) and policies. We briefly describe the Portfolios below.

For more complete information about each Portfolio, including expenses and risks associated with each Portfolio, please refer to the prospectuses for the Funds. We will mail to you a prospectus for each Portfolio related to the Variable Sub-Accounts to which you allocate your purchase payment.

You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives when making an allocation to the Variable Sub-Accounts. To obtain any or all of the underlying Portfolio prospectuses, please contact us at 1-800-457-7617 or go to www.accessallstate.com.

* Certain Variable Sub-Accounts may not be available depending on the date you purchased your Contract. In addition, Certain Variable Sub-Accounts are closed to Contract Owners not invested in the specified Variable Sub-Accounts by a designated date. Please see page 43 for more information.




Portfolio:	Each Portfolio Seeks:	Investment Adviser:
Fidelity ^® VIP Contrafund^® Portfolio – Service Class 2	Long-term capital appreciation	Fidelity Management & Research Company (FMR)
Fidelity ^® VIP Freedom 2010 Portfolio – Service Class 2	High total return with a secondary objective of principal preservation as the fund approaches its target date and beyond	Fidelity Management & Research Company (FMR)
Fidelity ^® VIP Freedom 2020 Portfolio – Service Class 2	High total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
Fidelity ^® VIP Freedom 2030 Portfolio – Service Class 2	High total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
Fidelity ^® VIP Freedom Income Portfolio – Service Class 2	High total return with a secondary objective of principal preservation	Fidelity Management & Research Company (FMR)
Fidelity ^® VIP Growth Opportunities Portfolio – Service Class 2⁽⁷⁾	Capital growth
Fidelity ^® VIP Index 500 Portfolio – Service Class 2	Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the Standard & Poor’s 500^(SM) Index (“S&P 500”)
Fidelity ^® VIP Mid Cap Portfolio – Service Class 2	Long-term growth of capital
FTVIP Franklin Growth and Income VIP Fund – Class 2	Capital appreciation with current income as a secondary goal.	Franklin Advisers, Inc.
FTVIP Franklin Income VIP Fund – Class 2	Maximize income while maintaining prospects for capital appreciation.
FTVIP Franklin Large Cap Growth VIP Fund – Class 2	Capital appreciation
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2⁽¹⁾	Long-term capital growth.
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2	Income
FTVIP Templeton Global Bond VIP Fund – Class 2⁽¹⁾	High current income, consistent with preservation of capital, with capital appreciation as a secondary consideration.
FTVIP Franklin Small Cap Value VIP Fund – Class 2	Long-term total return.	Franklin Advisory Services, LLC
FTVIP Mutual Global Discovery VIP Fund – Class 2	Capital appreciation	Franklin Mutual Advisers, LLC
FTVIP Mutual Shares VIP Fund – Class 2	Capital appreciation with income as a secondary goal	Franklin Mutual Advisers, LLC
FTVIP Templeton Developing Markets VIP Fund – Class 2	Long-term capital appreciation.	Templeton Asset Management Ltd.
FTVIP Templeton Foreign VIP Fund – Class 2	Long-term capital growth.	Templeton Investment Counsel, LLC
Lord Abbett Series Fund Inc. – Fundamental Equity Portfolio	Long-term growth of capital and income without excessive fluctuations in market value	Lord, Abbett & Co. LLC
Lord Abbett Series Fund Inc. – Bond-Debenture Portfolio	High current income and the opportunity for capital appreciation to produce a high total return
Lord Abbett Series Fund Inc. – Growth and Income Portfolio	Long-term growth of capital and income without excessive fluctuations in market value
Lord Abbett Series Fund Inc. – Growth Opportunities Portfolio	Capital appreciation
Lord Abbett Series Fund Inc. – Mid Cap Stock Portfolio	Capital appreciation through investments, primarily in equity securities, which are believed to be undervalued in the marketplace

Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2⁽⁵⁾	Capital appreciation.	OppenheimerFunds, Inc.
Oppenheimer Conservative Balanced Fund/VA – Service	Total return.
Oppenheimer Core Bond Fund/VA – Service Shares	Total return.
Oppenheimer Capital Appreciation Fund/VA – Class 2⁽⁶⁾	Capital appreciation.
Oppenheimer Global Fund/VA – Class 2 Shares	Capital appreciation.
Oppenheimer Main Street Fund^®/VA – Service Shares	Capital appreciation.
Oppenheimer Main Street Small Cap Fund/VA – Class 2 Shares	Capital appreciation.
Oppenheimer Global Strategic Income Fund/VA – Service Shares	Total return.
Putnam VT Equity Income Fund – Class IB	Capital growth and current income.	Putnam Investment Management, LLC (“Putnam Management”)
Putnam VT George Putnam Balanced Fund – Class IB	A balanced investment composed of a well diversified portfolio of stocks and bonds, which produce both capital growth and current income.
Putnam VT Global Asset Allocation Fund – Class IB	Long-term return consistent with the preservation of capital.




Portfolio:	Each Portfolio Seeks:	Investment Adviser:
Putnam VT Growth and Income Fund – Class IB	Capital growth and current income.
Putnam VT Global Health Care Fund – Class IB⁽²⁾	Capital appreciation.
Putnam VT High Yield Fund – Class IB	High current income. Capital growth is a secondary goal when consistent with achieving high current income.
Putnam VT Income Fund – Class IB	High current income consistent with what Putnam Management believes to be prudent risk.
Putnam VT International Equity Fund – Class IB	Capital appreciation.
Putnam VT Investors Fund – Class IB	Long-term growth of capital and any increased income that results from this growth.
Putnam VT Government Money Market Fund – Class IB⁹ (formerly, Putnam VT Money Market Fund – Class B)	As high a rate of current income as Putnam Management believes is consistent with preservation of capital and maintenance of liquidity.
Putnam VT Multi-Cap Growth Fund – Class IB⁽²⁾	Long-term capital appreciation.
Putnam VT Research Fund – Class IB⁽²⁾	Capital appreciation.
Putnam VT Global Utilities Fund – Class IB⁽²⁾	Capital growth and current income.
Putnam VT Voyager Fund – Class IB	Capital appreciation.
UIF Growth Portfolio, Class I & UIF Growth Portfolio, Class II⁽⁴⁾	Long-term capital appreciation by investing primarily in growth-oriented equity securities of large capitalization companies.	Morgan Stanley Investment Management Inc.
UIF Emerging Markets Debt Portfolio, Class II	High total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries.
UIF Global Franchise Portfolio, Class II	Long-term capital appreciation.
UIF Mid Cap Growth Portfolio, Class II	Long-term capital growth by investing primarily in common stocks and other equity securities.
UIF Small Company Growth Portfolio, Class II	Long-term capital appreciation by investing primarily in growth-oriented equity securities of small companies.
UIF U.S. Real Estate Portfolio, Class II⁽⁸⁾	Above average current income and long-term capital appreciation by investing primarily in equity securities of companies in the U.S. real estate industry, including real estate investment trusts.
Invesco V. I. American Franchise Fund – Series II	Capital growth.	Invesco Advisers, Inc.
Invesco V.I. Comstock Fund – Series II	Capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.
Invesco V.I. Equity and Income Portfolio – Series II	Capital appreciation and current income.
Invesco V.I. Growth and Income Fund – Series II	Long-term growth of capital and income.
Invesco V.I. Mid Cap Growth Fund – Series II⁽³⁾	Capital growth
Invesco V.I. American Value Fund – Series I & Invesco V.I. American Value Fund – Series II⁽⁴⁾	Above-average total return over a market cycle of three to five years by investing in common stocks and other equity securities.

(1) Effective May 1, 2003, the FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2 Sub-Account and the FTVIP Templeton Global Bond VIP Fund – Class 2 Sub-Accounts are no longer available for new investments. If you are currently invested in these Variable Sub-Accounts you may continue those investments. If, prior to May 1, 2003, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing, or dollar cost averaging, we will continue to effect automatic transactions into these Variable Sub-accounts in accordance with that program. Outside of these automatic transaction programs, additional allocations will not be allowed.

(2) Effective October 1, 2004, the Putnam VT Global Health Care – Class IB Sub-Account, Putnam VT Multi-Cap Growth – Class IB Sub-Account, Putnam VT Research – Class IB Sub-Account and the Putnam VT Global Utilities – Class IB Sub-Account Portfolios are no longer available for new investments. If you are currently invested in these Variable Sub-Accounts, you may continue your investment. If, prior to October 1, 2004, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing, or dollar cost averaging, we will continue to effect automatic transactions into these Variable Sub-Accounts in accordance with that program. Outside of these automatic transaction programs, additional allocations will not be allowed.

(3) Effective May 1, 2006, the Invesco V.I. Mid Cap Growth Portfolio – Series II no longer available for new investments. If you are currently invested in the Variable Sub-Account that invests in this Portfolio you may continue your investment. If, prior to May 1, 2006, you enrolled in one of our automatic transaction programs, such as automatic additions, portfolio rebalancing, or dollar cost averaging, we will continue to effect automatic transactions into the Variable Sub-Account in accordance with that program. Outside of these automatic transaction programs, additional allocations will not be allowed.

(4) The Variable Sub-Accounts that invest in the UIF Growth Portfolio, Class II and the Invesco V.I. American Value Fund – Series II are offered with Contracts issued on or after May 1, 2004. Contracts issued prior to May 1, 2004, may only invest in the Variable Sub-Accounts that invest in the UIF Growth Portfolio, Class I and the Invesco V.I. American Value Fund – Series I Contracts issued prior to May 1, 2004 that participate in certain TrueBalance model portfolios may invest in UIF Growth, Class II Sub-Account and the Invesco V.I. American Value Fund – Series II.

(5) Effective as of August 30, 2010, the following Variable Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date: Oppenheimer Discovery Mid Cap Growth Fund/VA – Class 2 Shares Sub-Account

Effective as of November 19, 2010, the following Variable Sub-Account closed to all Contract Owners except those Contract Owners who had contract value invested in the indicated Variable Sub-Account as of the closure date: Oppenheimer Conservative Balanced /VA – Service Shares Sub-Account

(7) On or about April 27, 2015, the Fidelity^® VIP Growth Opportunities Portfolio – Service Class 2 acquired the Fidelity^® VIP Growth Stock – Service Class 2.

(9) Effective on or about April 30, 2016, the Putnam VT Money Market Fund – Class IB intends to implement several changes to enable it to operate as a government money market fund. In addition, the name of the Fund will change to Putnam VT Government Money Market Fund – Class IB.

Amounts you allocate to Variable Sub-Accounts may grow in value, decline in value, or grow less than you expect, depending on the investment performance of the Portfolios in which those Variable Sub-Accounts invest. You bear the investment risk that the Portfolios might not meet their investment objectives. Shares of the Portfolios are not deposits in, or obligations of, or guaranteed or endorsed by, any bank and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other agency.

Variable insurance portfolios might not be managed by the same portfolio managers who manage retail mutual funds with similar names. These portfolios are likely to differ from similarly named retail mutual funds in assets, cash flow, and tax matters. Accordingly, the holdings and investment results of a variable insurance portfolio can be expected to be higher or lower than the investment results of a similarly named retail mutual fund.

TRUEBALANCE^SM ASSET ALLOCATION PROGRAM

The TrueBalance asset allocation program (“TrueBalance program”) is no longer offered for new enrollments. If you enrolled in the TrueBalance program prior to January 31, 2008, you may remain in the program. If you terminate your enrollment or otherwise transfer your Contract Value out of the program, you may not re-enroll.

There is no additional charge for the TrueBalance program. Participation in the TrueBalance program may be limited if you have elected certain Contract Options that impose restrictions on the investment alternatives which you may invest, such as the Income Protection Benefit Option, the TrueReturn Accumulation Benefit Option or a Withdrawal Benefit Option. See the sections of this prospectus discussing these Options for more information.

Asset allocation is the process by which your Contract Value is invested in different asset classes in a way that matches your risk tolerance, time horizon, and investment goals. Theoretically, different asset classes tend to behave differently under various economic and market conditions. By spreading your Contract Value across a range of asset classes, you may, over time, be able to reduce the risk of investment volatility and potentially enhance returns. Asset allocation does not guarantee a profit or protect against loss in a declining market.

Your sales representative helps you determine whether participating in an asset allocation program is appropriate for you. You complete a questionnaire to identify your investment style. Based on your investment style, you select one asset allocation model portfolio among the available model portfolios which may range from conservative to aggressive. Your Contract Value is allocated among the Variable Sub-Accounts according to your selected model portfolio. Not all Variable Sub-Accounts are available in any one model portfolio, and you must only allocate your Contract Value to the limited number of Variable Sub-Accounts available in the model portfolio you select. You should not select a model portfolio without first consulting with your sales representative.

Allstate Life and the principal underwriter of the Contracts, Allstate Distributors, L.L.C. (“Allstate Distributors”), do not intend to provide any personalized investment advice in connection with the TrueBalance program and you should not rely on this program as providing individualized investment recommendations to you.

Allstate Life retained an independent investment management firm (“investment management firm”) to construct the TrueBalance model portfolios. The investment management firm does not provide advice to Allstate Life’s Contract Owners. Neither Allstate Life nor the investment management firm is acting for any Contract Owner as a “fiduciary” or as an “investment manager,” as such terms are defined under applicable laws and regulations relating to the Employee Retirement Income Security Act of 1974 (ERISA).

The investment management firm does not take into account any information about any Contract Owner or any Contract Owner’s assets when creating, providing or maintaining any TrueBalance model portfolio. Individual Contract Owners should ultimately rely on their own judgment and/or the judgment of a financial advisor in making their investment decisions. Neither Allstate Life nor the investment management firm is responsible for determining the suitability of the TrueBalance model portfolios for the Contract Owners’ purposes.

Each of the five model portfolios specifies an allocation among a mix of Variable Sub-Accounts that is designed to meet the investment goals of the applicable investment style. On the business day we approve your participation in the TrueBalance program, we automatically reallocate any existing Contract Value in the Variable Sub-Accounts according to the model portfolio you selected. If any portion of your existing Contract Value is allocated to the Standard Fixed Account or MVA Fixed Account Options and you wish to allocate any portion of it to the model portfolio, you must transfer that portion to the Variable Sub-Accounts. In addition, as long as you participate in the TrueBalance program, you must allocate all of your purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) to the Fixed Account Options and/or the Variable Sub-Accounts currently offered in your model portfolio. Any purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) you allocate to the DCA Fixed

Account Option will be automatically transferred, along with interest, in equal monthly installments to the Variable Sub-Accounts according to the model portfolio you selected.

We use the term “Transfer Period Account” to refer to each purchase payment allocation made to the DCA Fixed Account Option for a specified term length. For TrueBalance model portfolios selected on or after May 1, 2005, at the expiration of a Transfer Period Account any remaining amounts in the Transfer Period Account will be transferred to the Variable Sub-Account according to the percentage allocation for the model portfolio you selected.

Allstate Life may offer new or revised TrueBalance model portfolios at any time, and may retain a different investment management firm to create any such new or revised TrueBalance model portfolios. Allstate Life will not automatically reallocate your Contract Value allocated to the Variable Sub-Accounts to match any new or revised model portfolios that are offered. If you are invested in the TrueBalance model portfolio, your Morgan Stanley Financial Advisor will notify you of any new or revised TrueBalance model portfolios that may be available. If you wish to invest in accordance with a new or revised TrueBalance model portfolio, you must submit a transfer request to transfer your Contract Value in your existing TrueBalance model portfolio in accordance with the new TrueBalance model portfolio. If you do not request a transfer to a new TrueBalance model portfolio, we will continue to rebalance your Contract Value in accordance with your existing TrueBalance model portfolio. At any given time, you may only elect a TrueBalance model portfolio that is available at the time of election.

You may select only one model portfolio at a time. However, you may change your selection of model portfolio at any time, provided you select a currently available model portfolio. Each change you make in your model portfolio selection will count against the 12 transfers you can make each Contract Year without paying a transfer fee. You should consult with your sales representative before making a change to your model portfolio selection to determine whether the new model portfolio is appropriate for your needs.

Since the performance of each Variable Sub-Account may cause a shift in the percentage allocated to each Variable Sub-Account, at least once every calendar quarter we will automatically rebalance all of your Contract Value in the Variable Sub-Accounts according to your currently selected model portfolio.

Unless you notify us otherwise, any purchase payments you make after electing the TrueBalance program will be allocated to your model portfolio and/or to the Fixed Account Options according to your most recent instructions on file with us. Once you elect to participate in the TrueBalance program, you may allocate subsequent purchase payments to any of the Fixed Account Options available with your Contract and/or to any of the Variable Sub-Accounts included in your model portfolio, but only according to the allocation specifications of that model portfolio. You may not allocate subsequent purchase payments to a Variable Sub-Account that is not included in your model portfolio. Subsequent purchase payments allocated to the Variable Sub-Accounts will be automatically rebalanced at the end of the next calendar quarter according to the allocation percentages for your currently selected model portfolio.

The following applies to TrueBalance model portfolios selected prior to May 1, 2005. TrueBalance model portfolios selected prior to May 1, 2005, are not available with the TrueReturn Option or a Withdrawal Benefit Option:

For TrueBalance model portfolios selected prior to May 1, 2005, you may make transfers to any of the available investment alternatives, except the DCA Fixed Account Option. However, all of your Contract Value in the Variable Sub-Accounts will be automatically rebalanced at the end of the next calendar quarter according to the percentage allocations for your currently selected model portfolio. Transfers to investment alternatives that are not included in the model portfolio you selected may be inconsistent with the investment style you selected and with the purpose of the TrueBalance program. You should consult with your sales representative before making transfers outside the model portfolio allocations.

The following applies to TrueBalance model portfolios selected on or after May 1, 2005, with the TrueReturn Option or a Withdrawal Benefit Option:

For TrueBalance model portfolios selected on or after May 1, 2005, with the TrueReturn Option or SureIncome Option, you must allocate all of your Contract Value to a TrueBalance Model Portfolio Option, and you may not choose the Variable Sub-Accounts or make transfers among the Variable Sub-Accounts in the TrueBalance Model Portfolio Option. If you choose a TrueBalance Model Portfolio Option, we will invest and periodically reallocate your Contract Value according to the allocation percentages and requirements for the TrueBalance Model Portfolio Option you selected. You may, however, elect to reallocate your entire Contract Value from one Model Portfolio Option to another Model Portfolio Option available with your Option.

If you own the TrueReturn Accumulation Benefit Option, on the Rider Maturity Date the Contract Value may be increased due to the Option. Any increase will be allocated to the Putnam VT Government Money Market. You may make transfers from this Variable Sub-Account to the Fixed Account Options (as allowed) or the Variable Sub-Accounts included in your model portfolio, but only according to the allocation specification of that model portfolio. All of your Contract Value in the Variable Sub-Accounts will be automatically rebalanced at the next calendar quarter according to the allocation percentages for your currently selected model portfolio.

The following applies to TrueBalance model portfolios selected on or after May 1, 2005, without the TrueReturn Option or a Withdrawal Benefit Option:

For TrueBalance model portfolios selected on or after May 1, 2005, without the TrueReturn or SureIncome Option, you may not make transfers from the Variable Sub-Accounts to any of the other Variable Sub-Accounts. You may make transfers, as allowed under the contract, from the Fixed Account Options to other Fixed Account Options or to the Variable Sub-Accounts included in your model

portfolio, but only according to the allocation specifications of that model portfolio. You may make transfers from the Variable Sub-Accounts to any of the Fixed Account Options, except the DCA Fixed Account Option. Transfers to Fixed Account Options may be inconsistent with the investment style you selected and with the purpose of the TrueBalance program. However, all of your Contract Value in the Variable Sub-Accounts will be automatically rebalanced at the next calendar quarter according to the percentage allocations for your currently selected model portfolio. You should consult with your sales representative before making transfers.

If you make a partial withdrawal from any of the Variable Sub-Accounts, your remaining Contract Value in the Variable Sub-Accounts will be automatically rebalanced at the end of the next calendar quarter according to the percentage allocations for your currently selected model portfolio allocations. If you are participating in the Systematic Withdrawal Program when you add the TrueBalance program or change your selection of model portfolios, you may need to update your withdrawal instructions. If you have any questions, please consult your sales representative.

Your participation in the TrueBalance program is subject to the program’s terms and conditions, and you may change model portfolios or terminate your participation in the TrueBalance program at any time by notifying us in a form satisfactory to us. We reserve the right to modify or terminate the TrueBalance program at any time.

Investment Alternatives: The Fixed Account Options

You may allocate all or a portion of your purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) to the Fixed Account Options. The Fixed Account Options we offer include the Dollar Cost Averaging Fixed Account Option, the Standard Fixed Account Option, and the Market Value Adjusted Fixed Account Option. We may offer additional Fixed Account Options in the future. Some Options are not available in all states. In addition, Allstate Life may limit the availability of some Fixed Account Options. Please consult with your representative for current information. The Fixed Account supports our insurance and annuity obligations. The Fixed Account consists of our general assets other than those in segregated asset accounts. We have sole discretion to invest the assets of the Fixed Account, subject to applicable law. Any money you allocate to the Fixed Account does not entitle you to share in the investment experience of the Fixed Account.

DOLLAR COST AVERAGING FIXED ACCOUNT OPTION

The Dollar Cost Averaging Fixed Account Option (“DCA Fixed Account Option”) is one of the investment alternatives that you can use to establish a Dollar Cost Averaging Program, as described on page 52.

This option allows you to allocate purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) to the Fixed Account that will then automatically be transferred, along with interest, in equal monthly installments to the investment alternatives that you have selected. In the future, we may offer other installment frequencies in our discretion. Each purchase payment allocated to the DCA Fixed Account Option must be at least $100.

At the time you allocate a purchase payment to the DCA Fixed Account Option, you must specify the term length over which the transfers are to take place. We use the term “Transfer Period Account” to refer to each purchase payment allocation made to the DCA Fixed Account Option for a specified term length. You establish a new Transfer Period Account each time you allocate a purchase payment to the DCA Fixed Account Option. We currently offer term lengths from which you may select for your Transfer Period Account(s), ranging from 3 to 12 months. We may modify or eliminate the term lengths we offer in the future. Refer to Appendix A for more information.

Your purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) will earn interest while in the DCA Fixed Account Option at the interest rate in effect at the time of the allocation, depending on the term length chosen for the Transfer Period Account and the type of Contract you have. The interest rates may also differ from those available for other Fixed Account Options. The minimum interest rate associated with the DCA Fixed Account Option is based upon state requirements and the date an application to purchase a Contract is signed. This minimum interest rate will not change after Contract issue.

You must transfer all of your money, plus accumulated interest, out of a Transfer Period Account to other investment alternatives in equal monthly installments during the term of the Transfer Period Account. We reserve the right to restrict the investment alternatives available for transfers from any Transfer Period Account. You may not transfer money from the Transfer Period Accounts to any of the Fixed Account Options available under your Contract. The first transfer will occur on the next Valuation Date after you establish a Transfer Period Account. If we do not receive an allocation instruction from you when we receive the purchase payment, we will transfer each installment to the Putnam VT Government Money Market Variable Sub-Account until we receive a different allocation instruction. At the expiration of a Transfer Period Account any remaining amounts in the Transfer Period Account will be transferred to the Putnam VT Government Money Market Variable Sub-Account unless you request a different investment alternative. Transferring Contract Value to the Putnam VT Government Money Market Variable Sub- Account in this manner may not be consistent with the theory of dollar cost averaging described on page 52.

If you discontinue the DCA Fixed Account Option before the expiration of a Transfer Period Account, we will transfer any remaining amount in the Transfer Period Account to the Putnam VT Government Money Market Variable Sub-Account unless you request a different investment alternative.

If you have a TrueReturn Option or Withdrawal Benefit Option, at the expiration of a Transfer Period Account or if you discontinue the DCA Fixed Account Option any amounts remaining in the Transfer Period Account will be transferred according to the investment requirements applicable to the Option you selected.

You may not transfer money into the DCA Fixed Account Option or add to an existing Transfer Period Account. You may not use the Automatic Additions Program to allocate purchase payments to the DCA Fixed Account Option.

The DCA Fixed Account Option currently is not available if you have selected the Allstate Advisor Preferred Contract with No Withdrawal Charge Option.

The DCA Fixed Account Option may not be available in your state. Please check with your representative for availability.

STANDARD FIXED ACCOUNT OPTION

not allocate a purchase payment or transfer to any existing Guarantee Period Account. Each purchase payment or transfer allocated to a Standard Fixed Guarantee Period Account must be at least $100.

At the time you allocate a purchase payment or transfer amount to the Standard Fixed Account Option, you must select the Guarantee Period for that allocation from among the available Standard Fixed Guarantee Periods. For Allstate Advisor Contracts, we currently offer Standard Fixed Guarantee Periods of 1, 3, 5 and 7 years in length. For Allstate Advisor Plus and Allstate Advisor Preferred Contracts, we currently are not offering the Standard Fixed Account Option. Refer to Appendix A for more information. We may offer other Guarantee Periods in the future. If you allocate a purchase payment to the Standard Fixed Account Option, but do not select a Standard Fixed Guarantee Period for the new Standard Fixed Guarantee Period Account, we will allocate the purchase payment or transfer to a new Standard Fixed Guarantee Period Account with the same Standard Fixed Guarantee Period as the Standard Fixed Guarantee Period Account of your most recent purchase payment or transfer. If we no longer offer that Standard Fixed Guarantee Period, then we will allocate the purchase payment or transfer to a new Standard Fixed Guarantee Period Account with the next shortest term currently offered. If you have not made a prior allocation to a Guarantee Period Account, then we will allocate the purchase payment or transfer to a new Standard Fixed Guarantee Period Account of the shortest Standard Fixed Guarantee Period we are offering at that time.

Some Standard Fixed Guarantee Periods are not available in all states. Please check with your representative for availability.

The amount you allocate to a Standard Fixed Guarantee Period Account will earn interest at the interest rate in effect for that Standard Fixed Guarantee Period at the time of the allocation. Interest rates may differ depending on the type of Contract you have and may also differ from those available for other Fixed Account Options. The minimum interest rate associated with the Standard Fixed Account Option is based upon state requirements and the date an application to purchase a Contract is signed. This minimum interest rate will not change after Contract issue.

In any Contract Year, the combined amount of withdrawals and transfers from a Standard Fixed Guarantee Period Account may not exceed 30% of the amount used to establish that Standard Fixed Guarantee Period Account. This limitation is waived if you withdraw your entire Contract Value. It is also waived for amounts in a Standard Fixed Guarantee Period Account during the 30 days following its renewal date (“30-Day Window”), described below, and for a single withdrawal made by your surviving spouse within one year of continuing the Contract after your death.

Amounts under the 30% limit that are not withdrawn in a Contract Year do not carry over to subsequent Contract Years.

At the end of a Standard Fixed Guarantee Period and each year thereafter, we will declare a renewal interest rate that will be guaranteed for 1 year. Subsequent renewal dates will be on the anniversaries of the first renewal date. Prior to a renewal date, we will send you a notice that will outline the options available to you. During the 30-Day Window following the expiration of a Standard Fixed Guarantee Period Account, the 30% limit for transfers and withdrawals from that Guarantee Period Account is waived and you may elect to:

• transfer all or part of the money from the Standard Fixed Guarantee Period Account to establish a new Guarantee Period Account within the Standard Fixed Account Option or the Market Value Adjusted Fixed Account Option, if available; or

• transfer all or part of the money from the Standard Fixed Guarantee Period Account to other investment alternatives available at the time; or

• withdraw all or part of the money from the Standard Fixed Guarantee Period Account. Withdrawal charges and taxes may apply.

Withdrawals taken to satisfy IRS minimum distribution rules will count against the 30% limit. The 30% limit will be waived for a Contract Year to the extent that:

• you have already exceeded the 30% limit and you must still make a withdrawal during that Contract Year to satisfy IRS minimum distribution rules; or

• you have not yet exceeded the 30% limit but you must make a withdrawal during that Contract Year to satisfy IRS minimum distribution rules, and such withdrawal will put you over the 30% limit.

The money in the Standard Fixed Guarantee Period Account will earn interest at the declared renewal rate from the renewal date until the date we receive notification of your election. If we receive notification of your election to make a transfer or withdrawal from a renewing Standard Fixed Guarantee Period Account on or before the renewal date, the transfer or withdrawal will be deemed to have occurred on the renewal date. If we receive notification of your election to make a transfer or withdrawal from the renewing Standard Fixed Guarantee Period Account after the renewal date, but before the expiration of the 30-Day Window, the transfer or withdrawal will be deemed to have occurred on the day we receive such notice. Any remaining balance not withdrawn or transferred from the renewing Standard Fixed Guarantee Period Account will continue to earn interest until the next renewal date at the declared renewal rate. If we do not receive notification from you within the 30-Day Window, we will assume that you have elected to renew the Standard Fixed Guarantee Period Account and the amount in the renewing Standard Fixed Guarantee Period Account will continue to earn interest at the declared renewal rate until the next renewal date, and will be subject to all restrictions of the Standard Fixed Account Option.

The Standard Fixed Account Option currently is not available with Allstate Advisor Plus and Allstate Advisor Preferred Contracts.

MARKET VALUE ADJUSTED FIXED ACCOUNT OPTION

You may allocate purchase payments or transfer amounts into the Market Value Adjusted Fixed Account Option. Each such allocation establishes a Guarantee Period Account within the Market Value Adjusted Fixed Account Option (“Market Value Adjusted Fixed Guarantee Period Account”), which is defined by the date of the allocation and the length of the initial interest rate guarantee period

(“Market Value Adjusted Fixed Guarantee Period”). You may not allocate a purchase payment or transfer to any existing Guarantee Period Account. Each purchase payment or transfer allocated to a Market Value Adjusted Fixed Guarantee Period Account must be at least $100.

At the time you allocate a purchase payment or transfer amount to the Market Value Adjusted Fixed Account Option, you must select the Guarantee Period for that allocation from among the Guarantee Periods available for the Market Value Adjusted Fixed Account Option (“Market Value Adjusted Fixed Guarantee Periods”). We currently offer Market Value Adjusted Fixed Guarantee Periods of 3, 5, 7, and 10 years. Refer to Appendix A for more information. We may offer other Guarantee Periods in the future. If you allocate a purchase payment to the Market Value Adjusted Fixed Account Option, but do not select a Market Value Adjusted Fixed Guarantee Period for the new Market Value Adjusted Fixed Guarantee Period Account, we will allocate the purchase payment or transfer to a new Market Value Adjusted Fixed Guarantee Period Account with the same Market Value Adjusted Fixed Guarantee Period as the Market Value Adjusted Fixed Guarantee Period Account of your most recent purchase payment or transfer. If we no longer offer that Market Value Adjusted Fixed Guarantee Period, then we will allocate the purchase payment or transfer to a new Market Value Adjusted Fixed Guarantee Period Account with the next shortest term currently offered. If you have not made a prior allocation to a Market Value Adjusted Fixed Guarantee Period Account, then we will allocate the purchase payment or transfer to a new Market Value Adjusted Fixed Guarantee Period Account of the shortest Market Value Adjusted Fixed Guarantee Period we are offering at that time. The Market Value Adjusted Fixed Account Option is not available in all states. Please check with your sales representative for availability.

The amount you allocate to a Market Value Adjusted Fixed Guarantee Period Account will earn interest at the interest rate in effect for that Market Value Adjusted Fixed Guarantee Period at the time of the allocation. Interest rates may differ depending on the type of Contract you have and may also differ from those available for other Fixed Account Options.

Withdrawals and transfers from a Market Value Adjusted Fixed Guarantee Period Account may be subject to a Market Value Adjustment. A Market Value Adjustment may also apply to amounts in the Market Value Adjusted Fixed Account Option if we pay Death Proceeds or if the Payout Start Date begins on a day other than during the 30-day period after such Market Value Adjusted Fixed Guarantee Period Account expires (“30-Day MVA Window”). We will not make a Market Value Adjustment if you make a transfer or withdrawal during the 30-Day MVA Window.

We apply a Market Value Adjustment to reflect changes in interest rates from the time you first allocate money to a Market Value Adjusted Fixed Guarantee Period Account to the time the money is taken out of that Market Value Adjusted Fixed Guarantee Period Account under the circumstances described above. We use the U.S. Treasury Note Constant Maturity Yield as reported in Federal Reserve Board Statistical Release H.15 (“Treasury Rate”) to calculate the Market Value Adjustment. We do so by comparing the Treasury Rate for a maturity equal to the Market Value Adjusted Fixed Guarantee Period at the time the Market Value Adjusted Fixed Guarantee Period Account is established with the Treasury Rate for the same maturity at the time the money is taken from the Market Value Adjusted Fixed Guarantee Period Account.

The Market Value Adjustment may be positive or negative, depending on changes in interest rates. As such, you bear the investment risk associated with changes in interest rates. If interest rates have increased since the establishment of a Market Value Adjusted Fixed Guarantee Period Account, the Market Value Adjustment, together with any applicable withdrawal charges, premium taxes, and income tax withholdings could reduce the amount you receive upon full withdrawal from a Market Value Adjusted Fixed Guarantee Period Account to an amount less than the purchase payment used to establish that Market Value Adjusted Fixed Guarantee Period Account.

Generally, if at the time you establish a Market Value Adjusted Fixed Guarantee Period Account, the Treasury Rate for a maturity equal to that Market Value Adjusted Fixed Guarantee Period is higher than the applicable Treasury Rate at the time money is to be taken from the Market Value Adjusted Fixed Guarantee Period Account, the Market Value Adjustment will be positive. Conversely, if at the time you establish a Market Value Adjusted Fixed Guarantee Period Account, the applicable Treasury Rate is lower than the applicable Treasury Rate at the time the money is to be taken from the Market Value Adjusted Fixed Guarantee Period Account, the Market Value Adjustment will be negative.

For example, assume that you purchase a Contract and allocate part of the initial purchase payment (and Credit Enhancements for Allstate Advisor Plus Contracts) to the Market Value Adjusted Fixed Account Option to establish a 5-year Market Value Adjusted Fixed Guarantee Period Account. Assume that the 5-year Treasury Rate at that time is 4.50%. Next, assume that at the end of the 3rd year, you withdraw money from the Market Value Adjusted Fixed Guarantee Period Account. If, at that time, the 5-year Treasury Rate is 4.20%, then the Market Value Adjustment will be positive. Conversely, if the 5-year Treasury Rate at that time is 4.80%, then the Market Value Adjustment will be negative.

The formula used to calculate the Market Value Adjustment and numerical examples illustrating its application are shown in Appendix B of this prospectus.

At the end of a Market Value Adjusted Fixed Guarantee Period, the Market Value Adjusted Fixed Guarantee Period Account expires and we will automatically transfer the money from such Guarantee Period Account to establish a new Market Value Adjusted Fixed Guarantee Period Account with the same Market Value Adjusted Fixed Guarantee Period, unless you notify us otherwise. The new Market Value Adjusted Fixed Guarantee Period Account will be established as of the day immediately following the expiration date of the expiring Market Value Adjusted Guarantee Period Account (“New Account Start Date.”) If the Market Value Adjusted Fixed

Guarantee Period is no longer being offered, we will establish a new Market Value Adjusted Fixed Guarantee Period Account with the next shortest Market Value Adjusted Fixed Guarantee Period available. Prior to the expiration date, we will send you a notice, which will outline the options available to you. During the 30-Day MVA Window a Market Value Adjustment will not be applied to transfers and withdrawals from the expiring Market Value Adjusted Fixed Guarantee Period Account and you may elect to:

• transfer all or part of the money from the Market Value Adjusted Fixed Guarantee Period Account to establish a new Guarantee Period Account within the Standard Fixed Account Option or the Market Value Adjusted Fixed Account Option, if available; or

• transfer all or part of the money from the Market Value Adjusted Fixed Guarantee Period Account to other investment alternatives available at the time; or

• withdraw all or part of the money from the Market Value Adjusted Fixed Guarantee Period Account. Withdrawal charges and taxes may apply.

The money in the Market Value Adjusted Fixed Guarantee Period Account will earn interest at the interest rate declared for the new Market Value Adjusted Fixed Guarantee Period Account from the New Account Start Date until the date we receive notification of your election. If we receive notification of your election to make a transfer or withdrawal from an expiring Market Value Adjusted Fixed Guarantee Period Account on or before the New Account Start Date, the transfer or withdrawal will be deemed to have occurred on the New Account Start Date. If we receive notification of your election to make a transfer or withdrawal from the expiring Market Value Adjusted Fixed Guarantee Period Account after the New Account Start Date, but before the expiration of the 30-Day MVA Window, the transfer or withdrawal will be deemed to have occurred on the day we receive such notice. Any remaining balance not withdrawn or transferred will earn interest for the term of the new Market Value Adjusted Fixed Guarantee Period Account, at the interest rate declared for such Account. If we do not receive notification from you within the 30-Day Window, we will assume that you have elected to transfer the amount in the expiring Market Value Adjusted Fixed Guarantee Period Account to establish a new Market Value Adjusted Fixed Guarantee Period Account with the same Market Value Adjusted Fixed Guarantee Period, and the amount in the new Market Value Adjusted Fixed Guarantee Period Account will continue to earn interest at the interest rate declared for the new Market Value Adjusted Fixed Guarantee Period Account, and will be subject to all restrictions of the Market Value Adjusted Fixed Account Option. If we no longer offer that Market Value Adjusted Fixed Guarantee Period, the Market Value Adjusted Fixed Guarantee Period for the new Market Value Adjusted Fixed Guarantee Period Account will be the next shortest term length we offer for the Market Value Adjusted Fixed Account Option at that time, and the interest rate will be the rate declared by us at that time for such term.

Investment Alternatives: Transfers

TRANSFERS DURING THE ACCUMULATION PHASE

During the Accumulation Phase, you may transfer Contract Value among the investment alternatives. You may not transfer Contract Value to the DCA Fixed Account Option or add to an existing Transfer Period Account. You may request transfers in writing on a form that we provided or by telephone according to the procedure described below.

You may make up to 12 transfers per Contract Year without charge. A transfer fee equal to 1.00% of the amount transferred applies to each transfer after the 12th transfer in any Contract Year. This fee may be changed, but in no event will it exceed 2.00% of the amount transferred. Multiple transfers on a single Valuation Date are considered a single transfer for purposes of assessing the transfer fee. If you added the TrueReturn Option or a Withdrawal Benefit Option to your Contract, certain restrictions on transfers apply. See the “TrueReturn^SM Accumulation Benefit Option” and “Withdrawal Benefit Options” sections of this prospectus for more information.

The minimum amount that you may transfer from the Standard Fixed Account Option, Market Value Adjusted Fixed Account Option or a Variable Sub-Account is $100 or the total remaining balance in the Standard Fixed Account Option, Market Value Adjusted Fixed Account Option or the Variable Sub-Account, if less. These limitations do not apply to the DCA Fixed Account Option. The total amount that you may transfer or withdraw from a Standard Fixed Guarantee Period Account in a Contract Year is 30% of the amount used to establish that Guarantee Period Account. See “Standard Fixed Account Option”. The minimum amount that can be transferred to the Standard Fixed Account Option and the Market Value Adjusted Fixed Account Option is $100.

We will process transfer requests that we receive before 3:00 p.m. Central Time on any Valuation Date using the Accumulation Unit Values for that Date. We will process requests completed after 3:00 p.m. on any Valuation Date using the Accumulation Unit Values for the next Valuation Date. The Contract permits us to defer transfers from the Fixed Account Options for up to 6 months from the date we receive your request. If we decide to postpone transfers from any Fixed Account Option for 30 days or more, we will pay interest as required by applicable law. Any interest would be payable from the date we receive the transfer request to the date we make the transfer.

We reserve the right to waive any transfer restrictions.

TRANSFERS DURING THE PAYOUT PHASE

During the Payout Phase, you may make transfers among the Variable Sub-Accounts so as to change the relative weighting of the Variable Sub-Accounts on which your variable income payments will be based. You may make up to 12 transfers per Contract Year within each Income Plan. You may not convert any portion of your fixed income payments into variable income payments. You may not make transfers among Income Plans. You may make transfers from the variable income payments to the fixed income payments to increase the proportion of your income payments consisting of fixed income payments, unless you have selected the Income Protection Benefit Option.

TELEPHONE OR ELECTRONIC TRANSFERS

You may make transfers by telephone by calling 1-800-457-7617. The cut-off time for telephone transfer requests is 3:00 p.m. Central Time. In the event that the New York Stock Exchange closes early, i.e., before 3:00 p.m. Central Time, or in the event that the Exchange closes early for a period of time but then reopens for trading on the same day, we will process telephone transfer requests as of the close of the Exchange on that particular day. We will not accept telephone requests received from you at any telephone number other than the number that appears in this paragraph or received after the close of trading on the Exchange. If you own the Contract with a joint Contract Owner, unless we receive contrary instructions, we will accept instructions from either you or the other Contract Owner.

We may suspend, modify or terminate the telephone transfer privilege, as well as any other electronic or automated means we previously approved, at any time without notice.

We use procedures that we believe provide reasonable assurance that the telephone transfers are genuine. For example, we tape telephone conversations with persons purporting to authorize transfers and request identifying information. Accordingly, we disclaim any liability for losses resulting from allegedly unauthorized telephone transfers. However, if we do not take reasonable steps to help ensure that a telephone authorization is valid, we may be liable for such losses.

MARKET TIMING & EXCESSIVE TRADING

The Contracts are intended for long-term investment. Market timing and excessive trading can potentially dilute the value of Variable Sub-Accounts and can disrupt management of a Portfolio and raise its expenses, which can impair Portfolio performance and adversely affect your Contract Value. Our policy is not to accept knowingly any money intended for the purpose of market timing or excessive trading. Accordingly, you should not invest in the Contract if your purpose is to engage in market timing or excessive trading, and you should refrain from such practices if you currently own a Contract.

“Trading Limitations.” Because there is no universally accepted definition of what constitutes market timing or excessive trading, we will use our reasonable judgment based on all of the circumstances.

While we seek to deter market timing and excessive trading in Variable Sub-Accounts, because our procedures involve the exercise of reasonable judgment, we may not identify or prevent some market timing or excessive trading. Moreover, imposition of trading limitations is triggered by the detection of market timing or excessive trading activity, and the trading limitations are not applied prior to detection of such trading activity. Therefore, our policies and procedures do not prevent such trading activity before it is detected. As a result, some investors may be able to engage in market timing and excessive trading, while others are prohibited, and the Portfolio may experience the adverse effects of market timing and excessive trading described above.

TRADING LIMITATIONS

We reserve the right to limit transfers among the investment alternatives in any Contract year, require that all future transfer requests be submitted through U.S. Postal Service First Class Mail thereby refusing to accept transfer requests via telephone, facsimile, Internet, or overnight delivery, or to refuse any transfer request, if:

• we believe, in our sole discretion, that certain trading practices, such as excessive trading, by, or on behalf of, one or more Contract Owners, or a specific transfer request or group of transfer requests, may have a detrimental effect on the Accumulation Unit Values of any Variable Sub-Account or on the share prices of the corresponding Portfolio or otherwise would be to the disadvantage of other Contract Owners; or

• we are informed by one or more of the Portfolios that they intend to restrict the purchase, exchange, or redemption of Portfolio shares because of excessive trading or because they believe that a specific transfer or group of transfers would have a detrimental effect on the prices of Portfolio shares.

In making the determination that trading activity constitutes market timing or excessive trading, we will consider, among other things:

• the total dollar amount being transferred, both in the aggregate and in the transfer request;

• the number of transfers you make over a period of time and/or the period of time between transfers (note: one set of transfers to and from a Variable Sub-Account in a short period of time can constitute market timing);

• whether your transfers follow a pattern that appears designed to take advantage of short term market fluctuations, particularly within certain Variable Sub-Account underlying Portfolios that we have identified as being susceptible to market timing activities (e.g., International, High Yield, and Small Cap Variable Sub-Accounts);

• whether the manager of the underlying Portfolio has indicated that the transfers interfere with Portfolio management or otherwise adversely impact the Portfolio; and

• the investment objectives and/or size of the Variable Sub-Account underlying Portfolio.

We seek to apply these trading limitations uniformly. However, because these determinations involve the exercise of discretion, it is possible that we may not detect some market timing or excessive trading activity. As a result, it is possible that some investors may be able to engage in market timing or excessive trading activity, while others are prohibited, and the Portfolio may experience the adverse effects of market timing and excessive trading described above.

If we determine that a Contract Owner has engaged in market timing or excessive trading activity, we will require that all future transfer requests be submitted through U.S. Postal Service First Class Mail thereby refusing to accept transfer requests via telephone, facsimile, Internet, or overnight delivery. If we determine that a Contract Owner continues to engage in a pattern of market timing or excessive trading activity we will restrict that Contract Owner from making future additions or transfers into the impacted Variable Sub-Account(s) or will restrict that Contract Owner from making future additions or transfers into the class of Variable Sub-Account(s) if the Variable Sub-Accounts(s) involved are vulnerable to arbitrage market timing trading activity (e.g., International, High Yield, and Small Cap Variable Sub-Accounts).

In our sole discretion, we may revise our Trading Limitations at any time as necessary to better deter or minimize market timing and excessive trading or to comply with regulatory requirements.

SHORT TERM TRADING FEES

The underlying Portfolios are authorized by SEC regulation to adopt and impose redemption fees if a Portfolio’s Board of Directors determines that such fees are necessary to minimize or eliminate short-term transfer activity that can reduce or dilute the value of outstanding shares issued by the Portfolio. The Portfolio will set the parameters relating to the redemption fee and such parameters may vary by Portfolio. If a Portfolio elects to adopt and charge redemption fees, these fees will be passed on to the Contract Owner(s) responsible for the short-term transfer activity generating the fee.

We will administer and collect redemption fees in connection with transfers between the Variable Sub-Accounts and forward these fees to the Portfolio. Please consult the Portfolio’s prospectus for more complete information regarding the fees and charges associated with each Portfolio.

DOLLAR COST AVERAGING PROGRAM

Through our Dollar Cost Averaging Program, you may automatically transfer a fixed dollar amount on a regular basis from any Variable Sub-Account or any Fixed Account Option to any of the other Variable Sub-Accounts. You may not use the Dollar Cost Averaging Program to transfer amounts to the Fixed Account Options. This program is available only during the Accumulation Phase.

We will not charge a transfer fee for transfers made under this Program, nor will such transfers count against the 12 transfers you can make each Contract Year without paying a transfer fee.

The theory of dollar cost averaging is that if purchases of equal dollar amounts are made at fluctuating prices, the aggregate average cost per unit will be less than the average of the unit prices on the same purchase dates. However, participation in this Program does not assure you of a greater profit from your purchases under the Program nor will it prevent or necessarily reduce losses in a declining market. Call or write us for instructions on how to enroll.

AUTOMATIC PORTFOLIO REBALANCING PROGRAM

Once you have allocated your money among the Variable Sub-Accounts, the performance of each Sub-Account may cause a shift in the percentage you allocated to each Sub-Account. If you select our Automatic Portfolio Rebalancing Program, we will automatically rebalance the Contract Value in each Variable Sub-Account and return it to the desired percentage allocations. Money you allocate to the Fixed Account will not be included in the rebalancing.

We will rebalance your account quarterly, semi-annually, or annually. We will measure these periods according to your instructions. We will transfer amounts among the Variable Sub-Accounts to achieve the percentage allocations you specify. You can change your allocations at any time by contacting us in writing or by telephone. The new allocation will be effective with the first rebalancing that occurs after we receive your written or telephone request. We are not responsible for rebalancing that occurs prior to receipt of proper notice of your request.

Example:

Assume that you want your initial purchase payment split among 2 Variable Sub-Accounts. You want 40% to be in the Putnam VT Income – Class IB Sub-Account and 60% to be in the Oppenheimer Discovery Mid Cap Growth/VA – Class 2 Shares Sub-Account. Over the next 2 months the bond market does very well while the stock market performs poorly. At the end of the first quarter, the Putnam VT Income – Class IB Sub-Account now represents 50% of your holdings because of its increase in value. If you choose to have your holdings in a Contract or Contracts rebalanced quarterly, on the first day of the next quarter we would sell some of your units in the Putnam VT Income – Class IB Sub-Account for the appropriate Contract(s) and use the money to buy more units in the Oppenheimer Discovery Mid Cap Growth/VA – Class 2 Shares Sub-Account so that the percentage allocations would again be 40% and 60%, respectively.

The transfers made under the program do not count towards the 12 transfers you can make without paying a transfer fee, and are not subject to a transfer fee.

Portfolio rebalancing is consistent with maintaining your allocation of investments among market segments, although it is accomplished by reducing your Contract Value allocated to the Variable Sub-Accounts that performed better during the previous time period.

Expenses

As a Contract Owner, you will bear, directly or indirectly, the charges and expenses described below.

CONTRACT MAINTENANCE CHARGE

During the Accumulation Phase, on each Contract Anniversary, we will deduct a $30 contract maintenance charge from your assets invested in the Putnam VT Government Money Market Variable Sub-Account. If there are insufficient assets in that Variable Sub-Account, we will deduct the balance of the charge proportionally from the other Variable Sub-Accounts. We also will deduct this charge if you withdraw your entire Contract Value, unless your Contract qualifies for a waiver. During the Payout Phase, we will deduct the charge proportionately from each income payment.

The charge is to compensate us for the cost of administering the Contracts and the Variable Account. Maintenance costs include expenses we incur in billing and collecting purchase payments; keeping records; processing death claims, cash withdrawals, and policy changes; proxy statements; calculating Accumulation Unit Values and income payments; and issuing reports to Contract Owners and regulatory agencies. We cannot increase the charge. We will waive this charge:

• for the remaining term of the Contract once your total purchase payments to the Contract equal $50,000 or more; or

• for a Contract Anniversary if, on that date, your entire Contract Value is allocated to the Fixed Account Options, or after the Payout Start Date, if all income payments are fixed income payments.

We also reserve the right to waive this charge if you own more than one Contract and the Contracts meet certain minimum dollar amount requirements. In addition, we reserve the right to waive this charge for all Contracts.

ADMINISTRATIVE EXPENSE CHARGE

We deduct an administrative expense charge daily at an annual rate of 0.19% of the average daily net assets you have invested in the Variable Sub-Accounts. We intend this charge to cover actual administrative expenses that exceed the revenues from the contract maintenance charge. There is no necessary relationship between the amount of administrative charge imposed on a given Contract and the amount of expenses that may be attributed to that Contract. We assess this charge each day during the Accumulation Phase and the Payout Phase. We may increase this charge for Contracts issued in the future, but in no event will it exceed 0.35%. We guarantee that after your Contract is issued we will not increase this charge for your Contract.

MORTALITY AND EXPENSE RISK CHARGE

We deduct a mortality and expense risk charge daily from the net assets you have invested in the Variable Sub-Accounts. We assess mortality and expense risk charges during the Accumulation and Payout Phases of the Contract, except as noted below. The annual mortality and expense risk charge for the Contracts without any optional benefit are as follows:



Allstate Advisor	1.10 %
Allstate Advisor Plus	1.40 %
Allstate Advisor Preferred (5-year withdrawal charge option)	1.40 %
Allstate Advisor Preferred (3-year withdrawal charge option)	1.50 %
Allstate Advisor Preferred (No withdrawal charge option)	1.60 %

The mortality and expense risk charge is for all the insurance benefits available with your Contract (including our guarantee of annuity rates and the death benefits), for certain expenses of the Contract, and for assuming the risk (expense risk) that the current charges will not be sufficient in the future to cover the cost of administering the Contract. The mortality and expense risk charge also helps pay for the cost of the Credit Enhancement under the Allstate Advisor Plus Contract. If the charges under the Contract are not sufficient, then we will bear the loss. We charge an additional amount for the optional benefits to compensate us for the additional risk that we accept by providing these options.

You will pay additional mortality and expense risk charges if you add any optional benefits to your Contract. The additional mortality and expense risk charge you pay will depend upon which of the options you select:

• MAV Death Benefit Option: The current mortality and expense risk charge for this option is 0.20%. For Contract Owners who added the MAV Death Benefit Option prior to May 1, 2003, the mortality and expense risk charge is 0.15%. This charge may be increased, but will never exceed 0.30%. We guarantee that we will not increase the mortality and expense risk charge for this option after you have added it to your Contract. We deduct the charge for this option only during the Accumulation Phase.

• Enhanced Beneficiary Protection (Annual Increase) Option: The current mortality and expense risk charge for this option is 0.30%. For Contract Owners who added the Enhanced Beneficiary Protection (Annual Increase) Option prior to May 1, 2003, the mortality and expense risk charge is 0.15%. This charge will never exceed 0.30%. We guarantee that we will not increase the mortality and expense risk charge for this option after you have added it to your Contract. We deduct the charge for this option only during the Accumulation Phase.

• Earnings Protection Death Benefit Option: The current mortality and expense risk charge for this option is:

• 0.25% (maximum of 0.35%) if the oldest Contract Owner and oldest Annuitant are age 70 or younger on the Rider Application Date;

• 0.40% (maximum of 0.50%) if the oldest Contract Owner or oldest Annuitant is age 71 or older and both are age 79 or younger on the Rider Application Date.

The charges may be increased but they will never exceed the maximum charges shown above. We guarantee that we will not increase the mortality and expense risk charge for this option after you have added it to your Contract. However, if your spouse elects to continue the Contract in the event of your death and if he or she elects to continue the Earnings Protection Death Benefit Option, the charge will be based on the ages of the oldest new Contract Owner and the oldest Annuitant at the time the Contract is continued. Refer to the Death Benefit Payments provision in this prospectus for more information. We deduct the charge for this option only during the Accumulation Phase.

• Income Protection Benefit Option: The current mortality and expense risk charge for this option is 0.50%. This charge may be increased, but will never exceed 0.75%. We guarantee that we will not increase the mortality and expense risk charge for this option after you have added it to your Contract. The charge will be deducted only during the Payout Phase.

TRUERETURN^SM ACCUMULATION BENEFIT OPTION FEE

We charge a separate annual Rider Fee for the TrueReturn Option. The current annual Rider Fee is 0.50% of the Benefit Base. We deduct the Rider Fee on each Contract Anniversary during the Rider Period or until you terminate the Option, if earlier. We reserve the right to increase the Rider Fee to up to 1.25%. We currently charge the same Rider Fee regardless of the Rider Period and Guarantee Option you select; however, we reserve the right to charge different fees for different Rider Periods and Guarantee Options in the future. However, once we issue your Option, we cannot change the Rider Fee that applies to your Contract. If you elect to exercise the Rider Trade-In Option, the new Rider Fee will be based on the Rider Fee percentage applicable to a new TrueReturn Option at the time of trade-in.

The Rider Fee is deducted only from the Variable Sub-Account(s) on a pro rata basis in the proportion that your value in each Variable Sub-Account bears to your total value in all Variable Sub-Accounts. Rider Fees will decrease the number of Accumulation Units in each Variable Sub-Account. If you terminate this Option prior to the Rider Maturity Date on a date other than a Contract Anniversary, we will deduct an entire Rider Fee from your Contract Value on the date the Option is terminated. However, if the Option is terminated due to death of the Contract Owner or Annuitant, we will not charge a Rider Fee unless the date we receive a Complete Request for Settlement of the Death Proceeds is also a Contract Anniversary. If the Option is terminated on the Payout Start Date, we will not charge a Rider Fee unless the Payout Start Date is also a Contract Anniversary. Additionally, if you elect to exercise the Rider Trade-In Option and cancel the Option on a date other than a Contract Anniversary, we will not deduct a Rider Fee on the date the Option is terminated. Refer to the “TrueReturn^SM Accumulation Benefit Option” section of this prospectus for more information.

SPOUSAL PROTECTION BENEFIT (CO- ANNUITANT) OPTION FEE AND SPOUSAL PROTECTION BENEFIT (CO-ANNUITANT) OPTION FOR CUSTODIAL INDIVIDUAL RETIREMENT ACCOUNTS FEE

We charge a separate annual Rider Fee for both the Spousal Protection Benefit (Co-Annuitant) Option and Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts. The current annual Rider Fee is 0.10% of the Contract Value for either Option. This applies to all new Options added on or after January 1, 2005. For Options added prior to January 1, 2005, there is no charge associated with the Options. We deduct the Rider Fee on each Contract Anniversary up to and including the date you terminate the Option. We reserve the right to increase the annual Rider Fee to up to 0.15% of the Contract Value. We reserve the right to charge different Rider Fees for new Spousal Protection Benefit (Co-Annuitant) Options and/ or new Spousal Protection Benefit (Co-Annuitant) Options for Custodial Individual Retirement Accounts we offer in the future. Once we issue your Option, we cannot change the Rider Fee that applies to your Contract.

The Rider Fee is deducted only from the Variable Sub-Account(s) on a pro-rata basis in the proportion that your value in each Variable Sub-Account bears to your total value in all Variable Sub-Accounts. Rider Fees will decrease the number of Accumulation Units in each Variable Sub-Account. If, at the time the Rider Fee is deducted, the Rider Fee exceeds the total value in all Variable Sub-Accounts, the excess of the Rider Fee over the total value in all Variable Sub-Accounts will be waived.

The first Rider Fee will be deducted on the first Contract Anniversary following the Rider Date. A Rider Fee will be deducted on each subsequent Contract Anniversary up to and including the date the Option is terminated. We will not charge a Rider Fee on the date the Option is terminated, on a date other than the Contract Anniversary, if the Option is terminated on the Payout Start Date or due to death of the Contract Owner or Annuitant.

number of full months from the Contract Anniversary to the date of termination, or if you terminate this Option during the first Contract Year after adding the Option, the number of full months from the Rider Date to the date of termination, divided by twelve, multiplied by 0.10%, with the result multiplied by the Contract Value immediately prior to the termination.

RETIREMENT INCOME GUARANTEE OPTION FEE

We discontinued offering the Retirement Income Guarantee Options as of January 1, 2004 (up to May 1, 2004 in certain states). Fees described below apply to Contract Owners who selected an Option prior to January 1, 2004 (up to May 1, 2004 in certain states). We impose a separate annual Rider Fee for RIG 1 and RIG 2. The current annual Rider Fee for RIG 1 is 0.40% of the Income Base on each Contract Anniversary. For Contract Owners who added RIG 1 prior to May 1, 2003, the annual Rider Fee is 0.25%. The current annual Rider Fee for RIG 2 is 0.55% of the Income Base on each Contract Anniversary. For Contract Owners who added RIG 2 prior to May 1, 2003, the annual Rider Fee is 0.45%. See “Retirement Income Guarantee Options” for details.

We deduct the Rider Fees only from the Variable Sub-Account(s) on a pro-rata basis. For the initial Contract Anniversary after the Rider Date, we will deduct a fee pro rated to cover the period from the Rider Date to the Contract Anniversary. In the case of a full withdrawal of the Contract Value on any date other than the Contract Anniversary, we will deduct from the amount paid upon withdrawal the Rider Fee multiplied by the appropriate Income Base immediately prior to the withdrawal pro rated to cover the period the Option was in effect during the current Contract Year. We will not deduct the Rider Fee during the Payout Phase.

WITHDRAWAL BENEFIT OPTION FEE

We charge separate annual Rider Fees for each of the SureIncome Option (the “SureIncome Option Fee”), the SureIncome Plus Option (the “SureIncome Plus Option Fee”), and the SureIncome For Life Option (the “SureIncome For Life Option Fee”). Collectively, we refer to the SureIncome Option Fee, the SureIncome Plus Option Fee and the SureIncome For Life Option Fee as the “Withdrawal Benefit Option Fees”. “Withdrawal Benefit Option Fee” is used to refer to any one of the Withdrawal Benefit Option Fees.

The current annual SureIncome Option Fee is 0.50% of the Benefit Base. The current annual SureIncome Plus Option Fee and the current annual SureIncome For Life Option Fee are each 0.65% of the Benefit Base. We reserve the right to increase any Withdrawal Benefit Option Fee to up to 1.25% of the Benefit Base. We reserve the right to charge a different Withdrawal Benefit Option Fee for different Withdrawal Benefit Factors or Withdrawal Benefit Options we may offer in the future. Once we issue your Withdrawal Benefit Option, we cannot change the Withdrawal Benefit Option Fee that applies to your Contract. If applicable, if you elect to exercise the Rider Trade-In Option, the new Withdrawal Benefit Option Fee will be based on the Withdrawal Benefit Option Fee percentage applicable to a new Withdrawal Benefit Option available at the time of trade-in.

We deduct the Withdrawal Benefit Option Fees on each Contract Anniversary up to and including the date you terminate the Option. The Withdrawal Benefit Option Fees are deducted only from the Variable Sub-Account(s) on a pro-rata basis in the proportion that your Contract Value in each Variable Sub-Account bears to your total Contract Value in all Variable Sub-Accounts. The Withdrawal Benefit Option Fee will decrease the number of Accumulation Units in each Variable Sub-Account. If, at the time the Withdrawal Benefit Option Fee is deducted, the Withdrawal Benefit Option Fee exceeds the total Contract Value in all Variable Sub-Accounts, the excess of the Withdrawal Benefit Option Fee over the total Contract Value in all Variable Sub-Accounts will be waived.

The first Withdrawal Benefit Option Fee will be deducted on the first Contract Anniversary following the Rider Date. A Withdrawal Benefit Option Fee will be deducted on each subsequent Contract Anniversary up to and including the date the Withdrawal Benefit Option is terminated.

For the first Contract Anniversary following the Rider Date, the SureIncome Option Fee is equal to the number of full months from the Rider Date to the first Contract Anniversary, divided by twelve, multiplied by 0.50%, with the result multiplied by the Benefit Base on the first Contract Anniversary. For subsequent Contract Anniversaries, the SureIncome Option Fee is equal to 0.50% multiplied by the Benefit Base as of that Contract Anniversary.

For the first Contract Anniversary following the Rider Date, the SureIncome Plus Option Fee and the SureIncome For Life Option Fee are each equal to the number of full months from the Rider Date to the first Contract Anniversary, divided by twelve, multiplied by 0.65%, with the result multiplied by the Benefit Base on the first Contract Anniversary increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and decreased by withdrawals, but prior to the Benefit Base being recalculated based on the Contract Value. For subsequent Contract Anniversaries, the SureIncome Plus Option Fee and the SureIncome For Life Option Rider Fee are each equal to 0.65% multiplied by the Benefit Base on that Contract Anniversary increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and decreased by withdrawals, but prior to the Benefit Base being recalculated based on the Contract Value for any of the ten Contract Anniversaries after the Rider Date. As previously stated, we will deduct Withdrawal Benefit Option Fees on each Contract Anniversary up to and including the date you terminate the Option.

equal to the number of full months from the Contract Anniversary to the date of termination or, if you terminate the SureIncome Option during the first Benefit Year, the number of full months from the Rider Date to the date of termination, divided by twelve, multiplied by 0.50%, with the result multiplied by the Benefit Base immediately prior to the withdrawal or termination. For the SureIncome Plus Option and the SureIncome For Life Option, the pro-rated Withdrawal Benefit Option Fee will be equal to the number of full months from the Contract Anniversary to the date of termination or, if you terminate the Withdrawal Benefit Option during the first Benefit Year, the number of full months from the Rider Date to the date of termination, divided by twelve, multiplied by 0.65%, with the result multiplied by the Benefit Base immediately prior to the withdrawal or termination. The Withdrawal Benefit Option Fee will be waived during the Withdrawal Benefit Payout Phase.

TRANSFER FEE

We impose a fee upon transfers in excess of 12 during any Contract Year. The current fee is equal to 1.00% of the dollar amount transferred. This fee may be increased, but in no event will it exceed 2.00% of the dollar amount transferred. We will not charge a transfer fee on transfers that are part of a Dollar Cost Averaging Program or Automatic Portfolio Rebalancing Program.

WITHDRAWAL CHARGE

We may assess a withdrawal charge from the purchase payment(s) you withdraw. The amount of the charge will depend on the number of years that have elapsed since we received the purchase payment being withdrawn. A schedule showing the withdrawal charges applicable to each Contract appears on page 8. If you make a withdrawal before the Payout Start Date, we will apply the withdrawal charge percentage in effect on the date of the withdrawal, or the withdrawal charge percentage in effect on the following day, whichever is lower.

Withdrawals also may be subject to tax penalties or income tax. You should consult with your tax counsel or other tax advisor regarding any withdrawals.

Withdrawals from the Market Value Adjusted Fixed Account Option may be subject to a market value adjustment. Refer to page 48 for more information on market value adjustments.

FREE WITHDRAWAL AMOUNT

You can withdraw up to the Free Withdrawal Amount each Contract Year without paying the withdrawal charge. The Free Withdrawal Amount for a Contract Year is equal to 15% of all purchase payments (excluding Credit Enhancements for Allstate Advisor Plus Contracts) that are subject to a withdrawal charge as of the beginning of that Contract Year, plus 15% of the purchase payments added to the Contract during the Contract Year. The withdrawal charge applicable to Contracts owned by Charitable Remainder Trusts is described below.

Purchase payments no longer subject to a withdrawal charge will not be used to determine the Free Withdrawal Amount for a Contract Year, nor will they be assessed a withdrawal charge, if withdrawn. The Free Withdrawal Amount is not available in the Payout Phase.

You may withdraw up to the Free Withdrawal Amount in each Contract Year it is available without paying a withdrawal charge; however, the amount withdrawn may be subject to a Market Value Adjustment or applicable taxes. If you do not withdraw the entire Free Withdrawal Amount in a Contract Year, any remaining portion may not be carried forward to increase the Free Withdrawal Amount in a later Contract Year.

For purposes of assessing the withdrawal charge, we will treat withdrawals as coming from the oldest purchase payments first as follows:

1) Purchase payments that no longer are subject to withdrawal charges;

2) Free Withdrawal Amount (if available);

3) Remaining purchase payments subject to withdrawal charges, beginning with the oldest purchase payment;

4) Any earnings not previously withdrawn.

However, for federal income tax purposes, earnings are considered to come out first, which means that you will pay taxes on the earnings portion of your withdrawal.

If the Contract Owner is a Charitable Remainder Trust, the Free Withdrawal Amount in a Contract Year is equal to the greater of:

• The Free Withdrawal Amount described above; or

• Earnings as of the beginning of the Contract Year that have not been previously withdrawn.

For purposes of assessing the withdrawal charge for a Charitable Remainder Trust-Owned Contract, we will treat withdrawals as coming from the earnings first and then the oldest purchase payments as follows:

1) Earnings not previously withdrawn;

2) Purchase payments that are no longer subject to withdrawal charges;

3) Free Withdrawal Amount in excess of earnings;

4) Purchase payments subject to withdrawal charges, beginning with the oldest purchase payment.

If you have selected the Allstate Advisor Preferred Contract with No Withdrawal Charge Option, there are no withdrawal charges applicable and, therefore, no Free Withdrawal Amount. Amounts withdrawn may be subject to a Market Value Adjustment or applicable taxes.

All Contracts

We do not apply a withdrawal charge in the following situations:

• the death of the Contract Owner or Annuitant (unless the Settlement Value is used);

• withdrawals taken to satisfy IRS minimum distribution rules for the Contract; or

• withdrawals that qualify for one of the waivers described below.

We use the amounts obtained from the withdrawal charge to pay sales commissions and other promotional or distribution expenses associated with marketing the Contracts, and to help defray the cost of the Credit Enhancement for the Allstate Advisor Plus Contracts. To the extent that the withdrawal charge does not cover all sales commissions and other promotional or distribution expenses, or the cost of the Credit Enhancement, we may use any of our corporate assets, including potential profit which may arise from the mortality and expense risk charge or any other charges or fee described above, to make up any difference.

Confinement Waiver. We will waive the withdrawal charge on any applicable withdrawal taken under your Contract if the following conditions are satisfied:

1. you or the Annuitant, if the Contract Owner is not a living person, are first confined to a long term care facility or a hospital for at least 90 consecutive days. You or the Annuitant must enter the long term care facility or hospital at least 30 days after the Issue Date,

2. we receive your request for withdrawal and Due Proof of confinement no later than 90 days following the end of your or the Annuitant’s confinement at the long term care facility or hospital, and

3. a physician must have prescribed the confinement and the confinement must be medically necessary (as defined in the Contract).

“Due Proof ” includes, but is not limited to, a letter signed by a physician stating the dates the Owner or Annuitant was confined, the name and location of the Long Term Care Facility or Hospital, a statement that the confinement was medically necessary, and, if released, the date the Owner or Annuitant was released from the Long Term Care Facility or Hospital.

Terminal Illness Waiver. We will waive the withdrawal charge on any applicable withdrawal under your Contract if:

1. you or the Annuitant, if the Contract Owner is not a living person, are diagnosed by a physician as having a terminal illness (as defined in the Contract) at least 30 days after the Issue Date, and

2. you provide Due Proof of diagnosis to us before or at the time you request the withdrawal.

“Due Proof ” includes, but is not limited to, a letter signed by a physician stating that the Owner or Annuitant has a Terminal Illness and the date the Terminal Illness was first diagnosed.

Unemployment Waiver. We will waive the withdrawal charge on one partial or a full withdrawal taken under your Contract, if you meet the following requirements:

1. you or the Annuitant, if the Contract Owner is not a living person, become unemployed at least one year after the Issue Date,

2. you or the Annuitant receive Unemployment Compensation for at least 30 consecutive days as a result of that unemployment, and

3. you or the Annuitant claim this benefit within 180 days of your or the Annuitant’s initial receipt of Unemployment Compensation.

Before we will waive any withdrawal charges, you must give us Due Proof prior to, or at the time of, the withdrawal request, that you or the Annuitant have been unemployed and have been granted Unemployment Compensation for at least 30 consecutive days.

“Unemployment Compensation” means unemployment compensation received from a unit of state or federal government in the U.S. “Due Proof ” includes, but is not limited to, a legible photocopy of an unemployment compensation payment that meets the above described criteria with regard to dates and a signed letter from you stating that you or the Annuitant meet the above described criteria.

You may exercise this benefit once over the term of the Contract. Amounts withdrawn may be subject to Market Value Adjustments.

These waivers do not apply under the Allstate Advisor Preferred Contract with No Withdrawal Charge Option.

Please refer to your Contract for more detailed information about the terms and conditions of these waivers.

The laws of your state may limit the availability of these waivers and may also change certain terms and/or benefits available under the waivers. You should consult your Contract for further details on these variations. Also, even if you do not pay a withdrawal charge because of these waivers, a Market Value Adjustment may apply and you still may be required to pay taxes or tax penalties on the amount withdrawn. You should consult your tax advisor to determine the effect of a withdrawal on your taxes.

PREMIUM TAXES

Some states and other governmental entities (e.g., municipalities) charge premium taxes or similar taxes. We are responsible for paying these taxes and will deduct them from your Contract Value. Some of these taxes are due when the Contract is issued, others are due when income payments begin or upon surrender. Our current practice is not to charge anyone for these taxes until income payments begin or when a total withdrawal occurs including payment upon death. We may some time in the future discontinue this practice and deduct premium taxes from the purchase payments. Premium taxes generally range from 0% to 3.5%, depending on the state.

At the Payout Start Date, we deduct the charge for premium taxes from each investment alternative in the proportion that the Contract Value in the investment alternative bears to the total Contract Value.

DEDUCTION FOR SEPARATE ACCOUNT INCOME TAXES

We are not currently maintaining a provision for taxes. In the future, however, we may establish a provision for taxes if we determine, in our sole discretion, that we will incur a tax as a result of the operation of the Variable Account. We will deduct for any taxes we incur as a result of the operation of the Variable Account, whether or not we previously made a provision for taxes and whether or not it was sufficient. Our status under the Internal Revenue Code is briefly described in the “Taxes” section of this prospectus.

OTHER EXPENSES

Each Portfolio deducts management fees and other expenses from its assets. You indirectly bear the charges and expenses of the Portfolios whose shares are held by the Variable Sub-Accounts. These fees and expenses are described in the prospectuses for the Portfolios. For a summary of Portfolio annual expenses see page 10. Allstate Life or the principal underwriter of the Contracts, Allstate Distributors, receives compensation from the investment advisers, administrators or distributors, or their affiliates, of the Portfolios in connection with the administrative, distribution (12b-1), or other services Allstate Distributors or we provide to the Portfolios. We collect this compensation under agreements between us and the Portfolio’s investment adviser, administrators or distributors, and is calculated based on a percentage of the average assets allocated to the Portfolio.

Access to Your Money

WITHDRAWALS

You can withdraw some or all of your Contract Value at any time prior to the Payout Start Date. Withdrawals also are available under limited circumstances on or after the Payout Start Date. See “Income Plans” on page 62.

The amount payable upon withdrawal is the Contract Value (or portion thereof) next computed after we receive the request for a withdrawal at our home office, adjusted by any applicable Market Value Adjustment, less any applicable withdrawal charges, income tax withholding, penalty tax, contract maintenance charge, Rider Fee, and any premium taxes. We will pay withdrawals from the Variable Account within 7 days of receipt of the request, subject to postponement in certain circumstances. You can withdraw money from the Variable Account or the Fixed Account Option(s) available under your Contract. To complete a partial withdrawal from the Variable Account, we will cancel Accumulation Units in an amount equal to the withdrawal and any applicable charges, fees and taxes.

You must name the investment alternative from which you are taking the withdrawal. If none is named, then the withdrawal request is incomplete and cannot be honored.

In general, you must withdraw at least $50 at a time.

Withdrawals from the Standard Fixed Account Option may be subject to a restriction. See “Standard Fixed Account Options” on page 47.

Withdrawals taken prior to the Payout Start Date are generally considered to come from the earnings in the Contract first. If the Contract is tax-qualified, generally all withdrawals are treated as distributions of earnings. Withdrawals of earnings are taxed as ordinary income and, if taken prior to age 59¹/₂, may be subject to an additional 10% federal penalty tax. If any withdrawal reduces your Contract Value to less than $1,000, we will treat the request as a withdrawal of the entire Contract Value, unless a Withdrawal Benefit Option is currently attached to your Contract. See “Withdrawal Benefit Options” above for more information. If you request a total withdrawal, we may require that you return your Contract to us. Your Contract will terminate if you withdraw all of your Contract Value, subject to certain exceptions if a Withdrawal Benefit Option is currently attached to your Contract. See “Withdrawal Benefit Options” for more details. We will, however, ask you to confirm your withdrawal request before terminating your Contract. If we terminate your Contract, we will distribute to you its Contract Value, adjusted by any applicable Market Value Adjustment, less withdrawal and other charges and taxes.

WRITTEN REQUESTS AND FORMS IN GOOD ORDER.

Written requests must include sufficient information and/or documentation, and be sufficiently clear, to enable us to complete your request without the need to exercise discretion on our part to carry it out. You may contact our Customer Service Center to learn what information we require for your particular request to be in “good order.” Additionally, we may require that you submit your request on our form. We reserve the right to determine whether any particular request is in good order, and to change or waive any good order requirements at any time.

POSTPONEMENT OF PAYMENTS

We may postpone the payment of any amounts due from the Variable Account under the Contract if:

1. The New York Stock Exchange is closed for other than usual weekends or holidays, or trading on the Exchange is otherwise restricted,

2. An emergency exists as defined by the SEC, or

3. The SEC permits delay for your protection.

We may delay payments or transfers from the Fixed Account Option(s) available under your Contract for up to 6 months or shorter period if required by law. If we delay payment or transfer for 30 days or more, we will pay interest as required by law.

SYSTEMATIC WITHDRAWAL PROGRAM

You may choose to receive systematic withdrawal payments on a monthly, quarterly, semi-annual, or annual basis at any time prior to the Payout Start Date. Please consult your sales representative or call us at 1-800-457-7617 for more information.

Any systematic withdrawal programs based upon IRS minimum distribution requirements may be modified to ensure guarantees under any Withdrawal Benefit Option currently attached to your Contract are not impacted by the withdrawals. Withdrawals made outside of any systematic withdrawal program based upon IRS minimum distribution requirements may impact the guarantees provided under any Withdrawal Benefit Option currently attached to your Contract.

Depending on fluctuations in the value of the Variable Sub-Accounts and the value of the Fixed Account Options, systematic withdrawals may reduce or even exhaust the Contract Value. Income taxes may apply to systematic withdrawals. Please consult your tax advisor before taking any withdrawal.

We will make systematic withdrawal payments to you or your designated payee. At our discretion, we may modify or suspend the Systematic Withdrawal Program and charge a processing fee for the service. If we modify or suspend the Systematic Withdrawal Program, existing systematic withdrawal payments will not be affected.

MINIMUM CONTRACT VALUE

If your request for a partial withdrawal would reduce your Contract Value to less than $1,000, we may treat it as a request to withdraw your entire Contract Value, unless a Withdrawal Benefit Option is currently attached to your Contract. See “Withdrawal Benefit Options” above for more information. Your Contract will terminate if you withdraw all of your Contract Value. We will, however, ask you to confirm your withdrawal request before terminating your Contract. If we terminate your Contract, we will distribute to you its Contract Value, adjusted by any applicable Market Value Adjustment, less withdrawal and other charges and applicable taxes.

Income Payments

PAYOUT START DATE

The Payout Start Date is the day that we apply your Contract Value adjusted by any applicable Market Value Adjustment and less applicable taxes to an Income Plan. The first income payment must occur at least 30 days after the Issue Date. The Payout Start Date may be no later than:

• the Annuitant’s 99th birthday, or

• the 10th Contract Anniversary, if later.

You may change the Payout Start Date at any time by notifying us in writing of the change at least 30 days before the scheduled Payout Start Date. Absent a change, we will use the Payout Start Date stated in your Contract.

INCOME PLANS

An “Income Plan” is a series of payments made on a scheduled basis to you or to another person designated by you. You may select more than one Income Plan. If you choose more than one Income Plan, you must specify what proportions of your Contract Value, adjusted by any Market Value Adjustment and less any applicable taxes, should be allocated to each such Income Plan. For tax reporting purposes, your cost basis and any gain on the Contract will be allocated proportionally to each Income Plan you select based on the proportion of your Contract Value applied to each such Income Plan. We reserve the right to limit the number of Income Plans that you may select. If you choose to add the Income Protection Benefit Option, certain restrictions may apply as described under “Income Protection Benefit Option,” below. If you do not select an Income Plan, we will make income payments in accordance with Income Plan 1 with a Guaranteed Payment Period of 10 years. If any Contract Owner dies during the Payout Phase, the new Contract Owner will be the surviving Contract Owner. If there is no surviving Contract Owner, the new Contract Owner will be the Beneficiary(ies) as described in the “Beneficiary” section of this prospectus. Any remaining income payments will be paid to the new Contract Owner as scheduled. Income payments to Beneficiaries may be subject to restrictions established by the Contract Owner. After the Payout Start Date, you may not make withdrawals (except as described below) or change your choice of Income Plan.

Currently seven Income Plans are available. Depending on the Income Plan(s) you choose, you may receive:

• fixed income payments;

• variable income payments; or

• a combination of the two.

A portion of each payment will be considered taxable and the remaining portion will be a non-taxable return of your investment in the Contract, which is also called the “basis.” Once the basis in the Contract is depleted, all remaining payments will be fully taxable. If the Contract is tax-qualified, generally, all payments will be fully taxable. Taxable payments taken prior to age 59¹/₂, may be subject to an additional 10% federal tax penalty.

The seven Income Plans are:

Income Plan 1 – Life Income with Guaranteed Number of Payments. Under this plan, we make periodic income payments for at least as long as the Annuitant lives. If the Annuitant dies in the Payout Phase, we will continue to pay income payments until the guaranteed number of payments has been paid. The number of months guaranteed (“Guaranteed Payment Period”) may range from 0 to 360 months. If the Annuitant is age 90 or older as of the Payout Start Date, the Guaranteed Payment Period may range from 60 to 360 months.

Income Plan 2 – Joint and Survivor Life Income with Guaranteed Number of Payments. Under this plan, we make periodic income payments for at least as long as either the Annuitant or the joint Annuitant, named at the time the Income Plan was selected, lives. If both the Annuitant and joint Annuitant die in the Payout Phase, we will continue to pay the income payments until the guaranteed number of payments has been paid. The Guaranteed Payment Period may range from 0 to 360 months. If either the Annuitant or joint Annuitant is age 90 or older as of the Payout Start Date, the Guaranteed Payment Period may range from 60 to 360 months. You may elect a reduced survivor plan of 50%, 66% or 75% of the payment amount. If you do not elect a reduced survivor amount, the payments will remain at 100%. If you elect a reduced survivor payment plan, the amount of each income payment initially will be higher but a reduction will take place at the later of 1) the death of an Annuitant; or 2) at the end of the guaranteed payment period.

Income Plan 3 – Guaranteed Number of Payments. Under this plan, we make periodic income payments for the period you have chosen. These payments do not depend on the Annuitant’s life. The shortest number of months guaranteed is 60 (120 if the Payout Start Date occurs prior to the third Contract Anniversary). The longest number of months guaranteed is 360 or the number of months between the Payout Start Date and the date that the Annuitant reaches age 100, if greater. In no event may the number of months guaranteed exceed 600. We will deduct the mortality and expense risk charge from the assets of the Variable Sub-Account supporting this Income Plan even though we may not bear any mortality risk. You may make withdrawals, change the length of the guaranteed payment period, or change the frequency of income payments under Income Plan 3. See “Modifying Payments” and “Payout Withdrawals” below for more details.

Income Plan 4 – Life Income with Cash Refund. Under this plan, we make periodic income payments until the death of the Annuitant. If the death of the Annuitant occurs before the total amount applied to an Income Plan is paid out, we will pay a lump sum payment of the remaining amount. Payments under this plan are available only as fixed income payments.

Income Plan 5 – Joint Life Income with Cash Refund. Under this plan, we make periodic income payments until the deaths of both the Annuitant and joint Annuitant. If the deaths of both the Annuitant and joint Annuitant occur before the total amount applied to an Income Plan is paid out, we will pay a lump sum payment of the remaining amount. Currently, a reduced survivor plan is not available. Payments under this plan are available only as fixed income payments.

Income Plan 6 – Life Income with Installment Refund. Under this plan, we make periodic income payments until the later of: (1) the death of the Annuitant; or (2) the total amount paid out under the annuity is equal to the total amount applied to the Income Plan. If the death of the Annuitant occurs before the total amount applied to an Income Plan is paid out, we will continue to make payments in the same manner until any remaining payments are paid out. Payments under this plan are available only as fixed income payments.

Income Plan 7 – Joint Life Income with Installment Refund. Under this plan, we make periodic income payments until the later of: (1) the deaths of both the Annuitant and joint Annuitant; or (2) the total amount paid out under the annuity is equal to the total amount applied to the Income Plan. If the deaths of both the Annuitant and joint Annuitant occur before the total amount applied to an Income Plan is paid out, we will continue to make payments in the same manner until any remaining payments are paid out. Currently, a reduced survivor plan is not available. Payments under this plan are available only as fixed income payments.

If you choose an Income Plan with payments that continue for the life of the Annuitant or joint Annuitant, we may require proof of age and sex of the Annuitant or joint Annuitant before starting income payments, and proof that the Annuitant or joint Annuitant is alive before we make each payment. Please note that under Income Plans 1 and 2, if you do not select a Guaranteed Payment Period, it is possible that the payee could receive only one income payment if the Annuitant and any joint Annuitant both die before the second income payment, or only two income payments if they die before the third income payment, and so on.

The length of any Guaranteed Payment Period under your selected Income Plan generally will affect the dollar amounts of each income payment. As a general rule, longer Guarantee Payment Periods result in lower income payments, all other things being equal. For example, if you choose an Income Plan with payments that depend on the life of the Annuitant but with no guaranteed payments, the income payments generally will be greater than the income payments made under the same Income Plan with a specified Guaranteed Payment Period.

Modifying Payments

After the Payout Start Date, you may make the following changes under Income Plan 3:

• You may request to modify the length of the Guaranteed Payment Period. If you elect to change the length of the Guaranteed Payment Period, the new Guaranteed Payment Period must be within the original minimum and maximum period you would have been permitted to select on the Payout Start Date. However, the maximum payment period permitted will be shortened by the period elapsed since the original Guaranteed Payment Period began. If you change the length of your Guaranteed Payment Period, we will compute the present value of your remaining payments, using the same assumptions we would use if you were terminating the income payments, as described in Payout Withdrawal. We will then adjust the remaining payments to equal what that value would support based on those same assumptions and based on the revised Guaranteed Payment Period.

• You may request to change the frequency of your payments.

We currently allow you to make the changes described above once each Contract Year; on that single occasion you may make either change alone, or both simultaneously. We reserve the right to change this practice at any time without prior notice.

Changes to either the frequency of payments or length of the Guaranteed Payment Period will result in a change to the payment amount and may change the amount of each payment that is taxable to you.

Modifying payments of this Contract may not be allowed under Qualified Contracts. In order to satisfy required minimum distributions (“RMD”) under current Treasury regulations, once income payments have begun over a Guaranteed Payment Period, the Guaranteed Payment Period may not be changed even if the new period is shorter than the maximum permitted. Please consult with a competent tax advisor prior to making a request to modify payments if your Contract is subject to RMD requirements.

Any change to either the frequency of payments or length of a Guaranteed Payment Period will take effect on the next payment date after we accept the requested change.

Payout Withdrawal

You may terminate all or a portion of the income payments being made under Income Plan 3 at any time and withdraw their present value (“withdrawal value”), subject to a Payout Withdrawal Charge, by writing to us (“Payout Withdrawal”). For variable income payments, the withdrawal value is equal to the present value of the variable income payments being terminated, calculated using a discount rate equal to the assumed investment rate that was used in determining the initial variable payment. For fixed income payments, the withdrawal value is equal to the present value of the fixed income payments being terminated, calculated using a discount rate equal to the applicable current interest rate (this may be the initial interest rate in some states.) The applicable current

interest rate is the rate we are using on the date we receive your Payout Withdrawal request to determine income payments for a new annuitization with a payment period equal to the remaining payment period of the income payments being terminated.

A Payout Withdrawal must be at least $50. If any Payout Withdrawal reduces the value of the remaining income payments to an amount not sufficient to provide an initial payment of at least $20, we reserve the right to terminate the Contract and pay you the present value of the remaining income payments in a lump sum. If you withdraw the entire value of the remaining income payments, the Contract will terminate.

You must specify the investment alternative(s) from which you wish to make a Payout Withdrawal. If you withdraw a portion of the value of your remaining income payments, the payment period will remain unchanged and your remaining payment amounts will be reduced proportionately.

Payout Withdrawal Charge

To determine the Payout Withdrawal Charge, we assume that purchase payments are withdrawn first, beginning with the oldest payment. When an amount equal to all purchase payments has been withdrawn, additional withdrawals will not be assessed a Payout Withdrawal Charge.

Payout Withdrawals will be subject to a Payout Withdrawal Charge for each Contract as follows:



	Number of Complete Years Since We Received the Purchase Payment Being Withdrawn/Applicable Charge:
Contract:	0	1	2	3	4	5	6	7	8+
Allstate Advisor	7 %	7 %	6 %	5 %	4 %	3 %	2 %	0 %	0 %
Allstate Advisor Plus	8.5 %	8.5 %	8.5 %	7.5 %	6.5 %	5.5 %	4 %	2.5 %	0 %
Allstate Advisor Preferred with:
5-Year Withdrawal Charge Option	7 %	6 %	5 %	4 %	3 %	0 %
3-Year Withdrawal Charge Option	7 %	6 %	5 %	0 %
No Withdrawal Charge Option	None

Additional Information. We may make other Income Plans available. You may obtain information about them by writing or calling us. On the Payout Start Date, you must specify the portion of the Contract Value to be applied to variable income payments and the portion to be applied to fixed income payments. For the portion of your Contract Value to be applied to variable income payments, you must also specify the Variable Sub-Accounts on which to base the variable income payments as well as the allocation among those Variable Sub-Accounts. If you do not choose how the Contract Value is to be applied, then the portion of the Contract Value in the Variable Account on the Payout Start Date will be applied to variable income payments, according to the Variable Sub-Account allocations as of the Payout Start Date, and the remainder of the Contract Value will be applied to fixed income payments.

We will apply your Contract Value, adjusted by any applicable Market Value Adjustment, less applicable taxes, to your Income Plan(s) on the Payout Start Date. We can make income payments in monthly, quarterly, semiannual or annual installments, as you select. If the Contract Value is less than $2,000 when it is applied to the Income Plan(s) you choose, or not enough to provide an initial payment of at least $20 when it is applied to the Income Plan(s) you choose, and state law permits, we may:

• terminate the Contract and pay you the Contract Value, adjusted by any applicable Market Value Adjustment and less any applicable taxes, in a lump sum instead of the periodic payments you have chosen, or

• reduce the frequency of your payments so that each payment will be at least $20.

VARIABLE INCOME PAYMENTS

The amount of your variable income payments depends upon the investment results of the Variable Sub-Accounts you select, the premium taxes you pay, the age and sex of the Annuitant, and the Income Plan you choose. We guarantee that the payments will not be affected by: (a) company mortality experience; or (b) the amount of our administration expenses.

We cannot predict the total amount of your variable income payments, which may be more or less than your total purchase payments because (a) variable income payments vary with the investment results of the underlying Portfolios; and (b) under some of the Income Plans, we make income payments only so long as an Annuitant is alive or any applicable Guaranteed Payment Period has not yet expired.

In calculating the amount of the periodic payments in the annuity tables in the Contracts, we used an assumed investment rate (“AIR”, also known as benchmark rate) of 3%. Currently, you may choose either a 6%, 5%, or 3% AIR per year. If you select the Income Protection Benefit Option, however, the 3% AIR must apply. The 6% and 5% AIR may not be available in all states (check with your representative for availability). Currently, if you do not choose one, the 5% AIR will automatically apply (except in states in which the 5% AIR is not available; in those states, the 3% AIR will automatically apply). You may not change the AIR after you have selected an Income Plan.

We reserve the right to offer other assumed investment rates. If the actual net investment return of the Variable Sub-Accounts you choose is less than the AIR, then the dollar amount of your variable income payments will decrease. The dollar amount of your variable income payments will increase, however, if the actual net investment return exceeds the AIR. The dollar amount of the variable income payments stays level if the net investment return equals the AIR. With a higher AIR, your initial income payment will

be larger than with a lower AIR. While income payments continue to be made, however, this disparity will become smaller and, if the payments have continued long enough, each payment will be smaller than if you had initially chosen a lower AIR.

Please refer to the Statement of Additional Information for more detailed information as to how we determine variable income payments.

You may also elect a variable income payment stream consisting of level monthly, quarterly or semi-annual payments. If you elect to receive level monthly, quarterly or semi-annual payments, the payments must be recalculated annually. You may only elect to receive level payments at or before the Payout Start Date. If you have elected level payments for an Income Plan(s), you may not make any variable to fixed payment transfers within such Income Plan(s). We will determine the amount of each annual payment as described above, place this amount in our general account, and then distribute it in level monthly, quarterly or semi-annual payments. The sum of the level payments will exceed the annual calculated amount because of an interest rate factor we use, which may vary from year to year, but will not be less than 2% per year. We do not allow withdrawals of the annual amount unless you make a full or partial withdrawal request of the value of the remaining payments under Income Plan 3. Withdrawals will be assessed a Payout Withdrawal Charge, if applicable. If the Annuitant dies while you are receiving level payments, you will not be entitled to receive any remaining level payments for that year (unless the Annuitant dies before the end of the Guaranteed Payment Period). For example, if you have selected Income Plan 1 with no Guaranteed Payment Period and the Annuitant dies during the year, the Beneficiary will not be entitled to receive the remaining level payments for that year.

INCOME PROTECTION BENEFIT OPTION

We offer an Income Protection Benefit Option, which may be added to your Contract on the Payout Start Date for an additional mortality and expense risk charge if you have selected variable income payments subject to the following conditions:

• The Annuitant and joint Annuitant, if applicable, must be age 75 or younger on the Payout Start Date.

• You must choose Income Plan 1 or 2, and the Guaranteed Payment Period must be for at least 120 months, unless the Internal Revenue Service requires a different payment period.

• You may apply the Income Protection Benefit Option to more than one Income Plan.

• The AIR must be 3% for the Income Plan(s) to which you wish to apply this benefit.

• You may only add the Income Protection Benefit Option on the Payout Start Date and, once added, the option cannot be cancelled.

• You may not add the Income Protection Benefit Option without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the Income Protection Benefit Option.

• You may not convert variable income payments to fixed income payments.

If you select the Income Protection Benefit Option, we guarantee that your variable income payments under each of the Income Plans to which the option is applied will never be less that 85% of the initial variable amount income value (“Income Protection Benefit”), as calculated on the Payout Start Date under such Income Plans, unless you have elected a reduced survivor payment plan under Income Plan 2. If you have elected a reduced survivor payment plan, we guarantee that your variable income payments to which the option is applied will never be less than 85% of the initial variable amount income value prior to the later of 1) the death of an Annuitant; or 2) the end of the guaranteed payment period. On or after the later of these events, we guarantee that your variable income payments will never be less than 85% of the initial variable amount income value multiplied by the percentage you elected for your reduced survivor plan. See Appendix C for numerical examples that illustrate how the Income Protection Benefit is calculated.

If you add the Income Protection Benefit Option to your Contract, the mortality and expense risk charge during the Payout Phase will be increased. The charge for the Income Protection Benefit Option will apply only to the Income Plan(s) to which the Option has been applied. Currently, the charge for this option is 0.50% of the average daily net Variable Account assets supporting the variable income payments to which the Income Protection Benefit Option applies. We may change the amount we charge, but it will not exceed 0.75% of the average daily net Variable Account assets supporting the variable income payments to which the Income Protection Benefit Option applies. Once the option is issued, we will not increase what we charge you for the benefit.

In order to ensure that we achieve adequate investment diversification (“Income Protection Diversification Requirement”), we reserve the right, in our sole discretion, to impose limitations on the investment alternatives in which you may invest during the Payout Phase with respect to the assets supporting the variable income payments to which the Income Protection Benefit Option applies. These limitations may include, but are not limited to, maximum investment limits on certain Variable Sub-Accounts, exclusion of certain Variable Sub-Accounts, required minimum allocations to certain Variable Sub-Accounts, and/or the required use of Automatic Portfolio Rebalancing.

To achieve our Income Protection Diversification Requirement, we have divided the Variable Sub-Accounts into three separate categories: “unrestricted,” “restricted” and “excluded.” Currently, we require that you allocate between 30% to 100% of the assets supporting your variable income payments to the unrestricted Variable Sub-Accounts in any manner you choose. You may allocate up to 70% of the assets supporting your variable income payments to the restricted Variable Sub-Accounts. You may not, however, allocate more than 20% of the assets supporting your variable income payments to any one of the restricted Variable Sub-Accounts. You may not allocate any portion of the assets supporting your variable income payments to the excluded Variable Sub-Accounts.

In the following three tables, we list our current Income Protection Diversification Requirement⁽¹⁾:

Unrestricted Variable Sub-Accounts. There is no limit to the amount of assets supporting your variable income payments that you may allocate to any one or more of the following Variable Sub-Accounts. Currently, we require that you allocate at least 30% of the assets supporting your variable income payments to this category.

Fidelity^® VIP Freedom Income – Service Class 2 Sub-Account

FTVIP Franklin U.S. Government Securities VIP Fund – Class 2 Sub-Account

Oppenheimer Core Bond/VA – Service Shares Sub-Account

Oppenheimer Global Strategic Income/VA – Service Shares Sub-Account

Putnam VT Income – Class IB Sub-Account

Putnam VT Government Money Market Fund – Class IB Sub-Account

Restricted Variable Sub-Accounts. You may allocate up to 70% of the amount of assets supporting your variable income payments to the following Variable Sub-Accounts. Currently, you may not allocate more than 20% of the amount of assets supporting your variable income payments to any one of the restricted Variable Sub-Accounts.

Fidelity^® VIP Freedom 2010 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2020 – Service Class 2 Sub-Account

Fidelity^® VIP Freedom 2030 – Service Class 2 Sub-Account

Fidelity^® VIP Contrafund^® – Service Class 2 Sub-Account

Fidelity^® VIP Index 500 – Service Class 2 Sub-Account

Fidelity^® VIP Mid Cap – Service Class 2 Sub-Account

FTVIP Franklin Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Growth and Income VIP Fund – Class 2 Sub-Account

FTVIP Franklin Large Cap Growth VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2 Sub-Account

FTVIP Franklin Small Cap Value VIP Fund – Class 2 Sub-Account

FTVIP Franklin Mutual Shares VIP Fund – Class 2 Sub-Account

FTVIP Templeton Foreign VIP Fund – Class 2 Sub-Account

Lord Abbett Series – Fundamental Equity Sub-Account

Lord Abbett Series – Bond-Debenture Sub-Account

Lord Abbett Series – Growth and Income Sub-Account

Lord Abbett Series – Growth Opportunities Sub-Account

Lord Abbett Series – Mid Cap Stock Sub-Account

Oppenheimer Conservative Balanced Fund/VA – Service⁽⁴⁾

Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account⁽⁵⁾

Oppenheimer Global Fund/VA – Service Shares Sub-Account

Oppenheimer Main Street^®/VA – Service Shares Sub-Account

Oppenheimer Main Street Small Cap^®/VA – Service Shares Sub-Account

Putnam VT Equity Income – Class IB Sub-Account

Putnam VT Global Asset Allocation – Class IB Sub-Account

Putnam VT Growth and Income – Class IB Sub-Account

Putnam VT High Yield – Class IB Sub-Account

Putnam VT International Equity – Class IB Sub-Account

Putnam VT Investors – Class IB Sub-Account

Putnam VT Research – Class IB Sub-Account⁽³⁾

Putnam VT George Putnam Balanced Fund – Class IB Sub-Account

Putnam VT Global Utilities – Class IB Sub-Account⁽³⁾

Putnam VT Voyager – Class IB Sub-Account

Invesco V.I. Comstock – Series II, Class II Sub-Account

Invesco V.I. Growth and Income – Series II Sub-Account

Invesco V.I. Equity and Income – Series II Sub-Account

UIF Growth, Class II Sub-Account (Class I & II)⁽¹⁾

UIF Global Franchise, Class II Sub-Account

Invesco V.I. American Value – Series II Sub-Account (Class I & II)⁽¹⁾

UIF U.S. Real Estate, Class II Sub-Account⁽⁶⁾

Excluded Variable Sub-Accounts. Currently, none of the following Variable Sub-Accounts are available to support variable income payments.

Fidelity^® VIP Growth Opportunities – Service Class 2 Sub-Account

FTVIP Templeton Developing Markets VIP Fund – Class 2 Sub-Account

Oppenheimer Discovery Mid Cap Growth/VA – Service Shares Sub-Account⁽⁴⁾

Putnam VT Global Health Care – Class IB Sub-Account⁽³⁾

Putnam VT Multi-Cap Growth – Class IB Sub-Account⁽³⁾

UIF Emerging Markets Debt, Class II Sub-Account

UIF Mid Cap Growth, Class II Sub-Account

UIF Small Company Growth, Class II Sub-Account

Invesco V.I. American Franchise – Series II Sub-Account

Invesco V.I. Mid Cap Growth – Series II Sub-Account⁽²⁾

(1) The UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account are offered with Contracts issued on or after May 1, 2004. Contract Owners of Contracts issued prior to May 1, 2004, may only invest in the UIF Growth, Class I Sub-Account and the Invesco V.I. American Value – Series I Sub-Account. Contracts issued prior to May 1, 2004 that participate in certain TrueBalance model portfolios may invest in UIF Growth, Class II Sub-Account and the Invesco V.I. American Value – Series II Sub-Account.

(2) Effective May 1, 2006, the Invesco V.I. Mid Cap Growth Fund – Series II was closed to new investments. If you are currently invested in the Variable Sub-Account that invests in this Portfolio, you may continue your investment.*

(3) Effective October 1, 2004, the Putnam VT Global Health Care – Class IB Sub-Account, Putnam VT Multi-Cap Growth – Class IB Sub-Account, Putnam VT Research – Class IB Sub-Account, and the Putnam VT Global Utilities – Class IB Sub-Account closed to new investments.*

Oppenheimer Discovery Mid Cap Growth/VA – Service Shares Sub-Account

Oppenheimer Conservative Balanced/VA – Service Shares Sub-Account

You must use quarterly Automatic Portfolio Rebalancing to meet our Income Protection Diversification Requirement. On the date of each rebalancing, we will reallocate the amount of the assets supporting your variable income payments according to the rebalancing percentages you have selected, subject to the then current restrictions and exclusions in effect. We expect that the restrictions and exclusions for each category will change from time to time. Any change in these restrictions and exclusions will become effective no later than the next regularly scheduled rebalancing of your Variable Sub-Account choices on or immediately after the date of change.

The Income Protection Diversification Requirement is based on a model. We may use a model developed and maintained by us or we may elect to use a model developed or provided by an independent third party. We will notify you at least 30 days before we make any change to our Income Protection Diversification Requirement.

We may determine which Variable Sub-Accounts are eligible for each category or we may elect to follow the recommendations of an independent third party. We may at any time make new determinations as to which Variable Sub-Accounts are unrestricted, restricted or excluded. We may do so for a variety of reasons including, but not limited to, a change in the investment objectives or policies of a Portfolio, or the failure, in our sole determination, of such Portfolio to invest in accordance with its stated investment objective or policies.

Transfers made for purposes of meeting the Income Protection Diversification Requirement will not count towards the number of free transfers you may make each Contract Year. See “Investment Alternatives: Transfers,” above, for additional information.

FIXED INCOME PAYMENTS

We guarantee income payment amounts derived from any Fixed Account Option for the duration of the Income Plan. The guaranteed income payment amounts will change if the frequency of payments or the length of the payment period changes.

We calculate the fixed income payments by:

• adjusting the portion of the Contract Value in any Fixed Account Option on the Payout Start Date by any applicable Market Value Adjustment;

• deducting any applicable taxes; and

• applying the resulting amount to the greater of: (a) the appropriate income payment factor for the selected Income Plan from the Income Payment Table in your Contract; or (b) such other income payment factor as we are offering on the Payout Start Date.

We may defer your request to make a withdrawal from fixed income payments for a period of up to 6 months or whatever shorter time state law may require. If we defer payments for 30 days or more, we will pay interest as required by law from the date we receive the withdrawal request to the date we make payment.

RETIREMENT INCOME GUARANTEE OPTIONS

added RIG 1 or RIG 2 prior to May 1, 2003. For Contract Owners who added RIG 1 or RIG 2 on or after May 1, 2003, you may cancel your RIG 1 or RIG 2 Option during the 60-day period following your next 3rd Contract Anniversary after January 1, 2004. If you do not cancel the Option during this 60-day period, you will not be permitted to cancel it later. Please check with your sales representative for details. The following describes the Retirement Income Guarantee Options for Contract Owners who elected the Option prior to January 1, 2004 (up to May 1, 2004 in certain states).

We refer to the issue date of the option as the “Rider Date.” You may add only one Retirement Income Guarantee Option to your Contract. The oldest Contract Owner and oldest Annuitant must be age 75 or younger on the Rider Application Date. Once you add a rider to your Contract, it may not be cancelled except during the 60-day period following the next 3rd Contract Anniversary after January 1, 2004, as described above.

We reserve the right to impose limitations on the investment alternatives in which you may invest as a condition of these options. These restrictions may include, but are not limited to, maximum investment limits on certain investment alternatives, exclusion of certain investment alternatives, required minimum allocations to certain Variable Sub-Accounts and/or the Automatic Portfolio Rebalancing. Currently, no such restrictions are being imposed.

For each option, an “Income Base” is calculated, which is used only for the purpose of calculating the “Guaranteed Retirement Income Benefit” and the appropriate “Rider Fee,” all defined below. The Income Base does not provide a Contract Value or guarantee performance of any investment option. The Income Base for RIG 1 and RIG 2 are described in more detail below.

You may apply the Income Base less applicable taxes to an Income Plan on the Payout Start Date and receive the Guaranteed Retirement Income Benefit if all of the following conditions are satisfied:

• The Payout Start Date must be on or after the 10th Contract Anniversary of the Rider Date.

• The Payout Start Date must occur during the 30-day period following a Contract Anniversary.

• The oldest Annuitant must be age 99 or younger as of the Payout Start Date.

• You must select Fixed Amount Income Payments only.

• You must select Income Plan 1 or 2, with a Guaranteed Payment Period of at least:

• 120 months, if the youngest Annuitant is age 80 or younger as of the Payout Start Date; or

• 60 months, if the youngest Annuitant is older than age 80 as of the Payout Start Date.

The “Guaranteed Retirement Income Benefit” is determined by applying the Income Base, less any applicable taxes, to the appropriate monthly income payment factor shown in the Income Payment Tables in your Contract for the selected Income Plan.

If a different payment frequency (quarterly, semi-annual, or annual) or different Income Plan is selected, an income payment factor for the selected payment frequency and Income Plan is determined on the same mortality and interest rate basis as the Income Payment Tables shown in your Contract.

On the Payout Start Date, the income payments for the selected Income Plan will be the greater of:

• The Guaranteed Retirement Income Benefit; or

• For fixed income payments, the Contract Value, adjusted by any applicable Market Value Adjustment, less any applicable taxes is applied to the greater of: the appropriate income payment factor for the selected Income Plan from the income payment tables in your Contract, or an income payment factor for the selected Income Plan that we are offering on the Payout Start Date.

We assess an annual Rider Fee if you selected one of the Retirement Income Guarantee Options. The Rider Fee is deducted on each Contract Anniversary on a pro rata basis from each of the Variable Sub-Accounts in which your Contract Value is invested on that date. The Rider Fee will decrease the number of Accumulation Units in each Variable Sub-Account. The Rider Fee is deducted only during the Accumulation Phase of the Contract. For the first Contract Anniversary following the Rider Date, the Rider Fee will be prorated to cover the period between the Rider Date and the first Contract Anniversary after the Rider Date. In the case of a full withdrawal of the Contract Value, the Rider Fee is prorated to cover the period between the Contract Anniversary immediately prior to the withdrawal and the date of the withdrawal.

The current Rider Fee for RIG 1 is 0.40% of the Income Base on each Contract Anniversary (0.25% for Contract Owners who added RIG 1 prior to May 1, 2003). The current Rider Fee for the RIG 2 is 0.55% of the Income Base on each Contract Anniversary (0.45% for Contract Owners who added RIG 2 prior to May 1, 2003). These options will terminate and the corresponding Rider Fee will cease on the earliest of the following to occur:

• The date the Contract is terminated;

• If the Contract is not continued in the Accumulation Phase under either the Death of Owner or Death of Annuitant provisions of the Contract. The option will terminate on the date we determine the Death Proceeds;

• The Payout Start Date; or

• For Contract Owners who added a RIG 1 or RIG 2 Option on or after May 1, 2003, if you elect to cancel your RIG 1 or RIG 2 Option during the 60-day period following the next 3rd Contract Anniversary after January 1, 2004 (since we discontinued offering the Trade-In Program as of that date).

Otherwise, the options may not be terminated or cancelled.

Calculation of Income Base.

On the Rider Date, the “RIG 1 Income Base” is equal to the Contract Value. The RIG 1 Income Base, plus purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made after the Rider Date and less RIG 1 withdrawal adjustments for withdrawals made after the Rider Date, will accumulate interest on a daily basis at a rate equivalent to 5% per year (3% in certain states), subject to the “Cap” defined below. This accumulation will continue until the first Contract Anniversary following the 85th birthday of the oldest Contract Owner or oldest Annuitant, whichever occurs first. After the 5% interest accumulation ends (3% in certain states), the RIG 1 Income Base will continue to be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and reduced by RIG 1 withdrawal adjustments for withdrawals until the option terminates. The “RIG 1 Withdrawal Adjustment” is defined below.

The RIG 1 Income Base will not exceed a Cap equal to:

• 200% of the Contract Value as of the Rider Date; plus

• 200% of purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made after the Rider Date, but excluding any purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made in the 12-month period immediately prior to the Payout Start Date; minus

• RIG 1 Withdrawal Adjustments for any withdrawals made after the Rider Date.

RIG 1 Withdrawal Adjustment. Prior to the first Contract Anniversary following the 85th birthday of the oldest Contract Owner or oldest Annuitant, whichever is earlier, the withdrawal adjustment is as follows:

• In each Contract Year, for the portion of withdrawals that do not cumulatively exceed 5% (3% in certain states) of the RIG 1 Income Base as of the beginning of the Contract Year (or as of the Rider Date for the first Contract Year in which RIG 1 is added), the withdrawal adjustment is equal to the amount withdrawn (or portion thereof) multiplied by a discount factor. The discount factor is calculated using a 5% annual interest rate (3% in certain states) and the portion of the Contract Year between the withdrawal date and the end of the Contract Year. This withdrawal adjustment has the effect of reducing the RIG 1 Income Base at the end of the Contract Year by the actual amount of the withdrawal. In other words, for purposes of calculating the RIG 1 Income Base, the withdrawal is treated as if it occurred at the end of the Contract Year.

• In each Contract Year, for the portion of withdrawals that cumulatively exceed 5% (3% in certain states) of the RIG 1 Income Base as of the beginning of the Contract Year (or as of the Rider Date for the first Contract Year in which RIG 1 is added), the withdrawal adjustment is equal to the withdrawal amount (or portion thereof), divided by the Contract Value immediately prior to the withdrawal and reduced for the portion of withdrawals that do not cumulatively exceed 5% (3% in certain states), and the result multiplied by the most recently calculated RIG 1 Income Base, reduced for the portion of withdrawals that do not cumulatively exceed 5% (3% in certain states).

On or after the first Contract Anniversary following the 85th birthday of the oldest Contract Owner or the Annuitant, all withdrawal adjustments are equal to the withdrawal amount, divided by the Contract Value immediately prior to the withdrawal, and the result multiplied by the most recently calculated RIG 1 Income Base.

See Appendix D for numerical examples that illustrate how the RIG 1 Withdrawal Adjustment is applied.

The “RIG 2 Income Base” is defined as the greater of “Income Base A” or “Income Base B.”

“Income Base A” and its corresponding Withdrawal Adjustment are calculated in the same manner as the RIG 1 Income Base and RIG 1 Withdrawal Adjustment.

On the Rider Date, “Income Base B” is equal to the Contract Value. After the Rider Date and prior to the Payout Start Date, Income Base B is recalculated each time a purchase payment or withdrawal is made as well as on each Contract Anniversary as follows:

• Each time a purchase payment is made, Income Base B is increased by the amount of the purchase payment (and Credit Enhancement for Allstate Advisor Plus Contracts).

• Each time a withdrawal is made, Income Base B is reduced by a proportional withdrawal adjustment, defined as the withdrawal amount divided by the Contract Value immediately prior to the withdrawal, and the result multiplied by the most recently calculated Income Base B.

• On each Contract Anniversary until the first Contract Anniversary following the 85th birthday of the oldest Contract Owner or oldest Annuitant, whichever occurs first, Income Base B is equal to the greater of the Contract Value on that date or the most recently calculated Income Base B.

If no purchase payments or withdrawals are made after the Rider Date, Income Base B will be equal to the greatest of the Contract Value on the Rider Date and the Contract Values on each subsequent Contract Anniversary until the earlier of the Payout Start Date or the Contract Anniversary following the 85th birthday of the oldest Contact Owner or oldest Annuitant, whichever occurs first.

CERTAIN EMPLOYEE BENEFIT PLANS

basis of sex to the extent permitted by applicable law. In certain employment-related situations, employers are required by law to use the same income payment tables for men and women. Accordingly, if the Contract is used in connection with an employment-related retirement or benefit plan and we do not offer unisex annuity tables in your state, you should consult with legal counsel as to whether the Contract is appropriate.

Death Benefits

DEATH PROCEEDS

Under certain conditions, described below, we will pay Death Proceeds for this Contract on the death of the Contract Owner, Annuitant, or Co-Annuitant if the death occurs prior to the Payout Start Date. If the Owner or Annuitant dies after the Payout Start Date, we will pay remaining income payments as described in the “Payout Phase” section of your Contract. See “Income Payments” for more information.

We will determine the value of the Death Proceeds as of the end of the Valuation Date during which we receive the first Complete Request for Settlement (the next Valuation Date, if we receive the request after 3:00 p.m. Central Time). In order to be considered a “Complete Request for Settlement,” a claim for distribution of the Death Proceeds must include “Due Proof of Death” in any of the following forms of documentation:

• A certified copy of the death certificate;

• A certified copy of a decree of a court of competent jurisdiction as to the finding of death; or

• Any other proof acceptable to us.

“Death Proceeds” are determined based on when we receive a Complete Request for Settlement:

• If we receive a Complete Request for Settlement within 180 days of the death of the Contract Owner, Annuitant, or Co-Annuitant, as applicable, the Death Proceeds are equal to the “Death Benefit.”

• If we receive a Complete Request for Settlement more than 180 days after the death of the Contract Owner, Annuitant, or Co-Annuitant, as applicable, the Death Proceeds are equal to the greater of the Contract Value or Settlement Value. We reserve the right to waive or extend, in a nondiscriminatory manner, the 180-day period in which the Death Proceeds will equal the Death Benefit.

DEATH BENEFIT OPTIONS

In addition to the ROP Death Benefit included in your Contract, we offer the following death benefit options which may be added to your Contract:

• MAV Death Benefit Option

• Enhanced Beneficiary Protection (Annual Increase) Option

• Earnings Protection Death Benefit Option

The SureIncome Plus Option and SureIncome For Life Option also include a death benefit option, the SureIncome Return of Premium Death Benefit (“SureIncome ROP Death Benefit.”)

The amount of the Death Benefit depends on which death benefit option(s) you select. Not all death benefit options are available in all states.

You may select any combination of death benefit options on the Issue Date of your Contract or at a later date, subject to state availability and issue age restrictions. You may not add any of the death benefit option(s) to your Contract after Contract issue without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add an option(s).

The “Death Benefit” is equal to the Earnings Protection Death Benefit (if selected) plus the greatest of:

• The Contract Value;

• The Settlement Value;

• The ROP Death Benefit;

• The MAV Death Benefit Option (if selected);

• The Enhanced Beneficiary Protection (Annual Increase) Option (if selected); or

• The SureIncome ROP Death Benefit.*

The “Settlement Value” is the amount that would be paid in the event of a full withdrawal of the Contract Value.

* The SureIncome ROP Death Benefit under the SureIncome For Life Option is only included in the calculation of the Death Benefit upon the death of the SureIncome Covered Life. If a Contract Owner, Annuitant or Co-Annuitant who is not the SureIncome Covered Life dies, the SureIncome ROP Death Benefit is not applicable.

The “ROP Death Benefit” is equal to the sum of all purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts), reduced by a proportional withdrawal adjustment for each withdrawal. The withdrawal adjustment is equal to the withdrawal amount divided by the Contract Value immediately prior to the withdrawal, and the result is multiplied by:

The sum of all purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made prior to the withdrawal, less any prior withdrawal adjustments.

Maximum Anniversary Value Death Benefit Option.

The “MAV Death Benefit Option” is only available if the oldest Contract Owner and oldest Annuitant are age 79 or younger on the Rider Application Date. There is an additional mortality and expense risk charge for this death benefit option, currently equal to 0.20% (0.15% for Contract Owners who added this option prior to May 1, 2003). We may change what we charge for this death benefit option, but it will never exceed 0.30%. Once added to your Contract, we guarantee that we will not increase the mortality and expense risk charge you pay for this death benefit option.

On the date we issue the rider for this benefit (“Rider Date”), the MAV Death Benefit is equal to the Contract Value. After the Rider Date and prior to the date we determine the Death Proceeds (see “Death Proceeds” on page 71), the MAV Death Benefit is recalculated each time a purchase payment or withdrawal is made as well as on each Contract Anniversary as follows:

• Each time a purchase payment is made, the MAV Death Benefit is increased by the amount of the purchase payment (and Credit Enhancement for Allstate Advisor Plus Contracts).

• Each time a withdrawal is made, the MAV Death Benefit is reduced by a proportional withdrawal adjustment, defined as the withdrawal amount divided by the Contract Value immediately prior to the withdrawal, and the result multiplied by the most recently calculated MAV Death Benefit.

• On each Contract Anniversary until the first Contract Anniversary following the 80th birthday of the oldest Contract Owner or oldest Annuitant, whichever occurs first, the MAV Death Benefit is recalculated as the greater of the Contract Value on that date or the most recently calculated MAV Death Benefit.

If no purchase payments or withdrawals are made after the Rider Date, the MAV Death Benefit will be equal to the greatest of the Contract Value on the Rider Date and the Contract Values on each subsequent Contract Anniversary after the Rider Date, but before the date we determine the Death Proceeds. If, upon death of the Contract Owner, the Contract is continued under Option D as described on page 75, and if the oldest New Contract Owner and the oldest Annuitant are age 80 or younger on the date we determine the Death Proceeds, then the MAV Death Benefit Option will continue. The MAV Death Benefit will continue to be recalculated for purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts), withdrawals, and on each Contract Anniversary after the date we determine the Death Proceeds until the earlier of:

• The first Contract Anniversary following the 80th birthday of either the oldest New Contract Owner or the oldest Annuitant, whichever is earlier. (After the 80th birthday of either the oldest New Contract Owner or the oldest Annuitant, whichever is earlier, the MAV Death Benefit will be recalculated only for purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and withdrawals); or

• The date we next determine the Death Proceeds.

Enhanced Beneficiary Protection (Annual Increase) Option.

The Enhanced Beneficiary Protection (Annual Increase) Option is only available if the oldest Contract Owner and oldest Annuitant are age 79 or younger on the Rider Application Date. There is an additional mortality and expense risk charge for this death benefit option, currently equal to 0.30% (0.15% for Contract Owners who added this option prior to May 1, 2003). We may change what we charge for this death benefit option, but it will never exceed 0.30%. Once added to your Contract, we guarantee that we will not increase the mortality and expense risk charge you pay for this death benefit option.

On the date we issue the rider for this benefit (“Rider Date”), the Enhanced Beneficiary Protection (Annual Increase) Benefit is equal to the Contract Value. The Enhanced Beneficiary Protection (Annual Increase) Benefit, plus purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made after the Rider Date and less withdrawal adjustments for withdrawals made after the Rider Date, will accumulate interest on a daily basis at a rate equivalent to 5% per year (3% in certain states), subject to the “Cap” defined below. This accumulation will continue until the earlier of:

(a) the first Contract Anniversary following the 80th birthday of the oldest Contract Owner or oldest Annuitant, whichever occurs first; or

(b) the date we determine the Death Proceeds.

After the 5% interest accumulation ends (3% in certain states), the Enhanced Beneficiary Protection (Annual Increase) Benefit will continue to be increased by purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) and reduced by withdrawal adjustments for withdrawals until the death benefit option terminates. The withdrawal adjustment is a proportional adjustment, defined as the withdrawal amount divided by the Contract Value immediately prior to the withdrawal, and the result multiplied by the amount of the Enhanced Beneficiary Protection (Annual Increase) Benefit immediately prior to the withdrawal.

The Enhanced Beneficiary Protection (Annual Increase) Benefit Cap is equal to:

• 200% of the Contract Value as of the Rider Date; plus

• Withdrawal adjustments for any withdrawals made after the Rider Date. Refer to Appendix E for withdrawal adjustment examples.

If, upon death of the Contract Owner, the Contract is continued under Option D as described on page 75, and if the oldest New Contract Owner and the oldest Annuitant are age 80 or younger on the date we determine the Death Proceeds, then the Enhanced Beneficiary Protection (Annual Increase) Option will continue. The amount of the Enhanced Beneficiary Protection (Annual Increase) Benefit as of the date we determine the Death Proceeds, plus subsequent purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts), less withdrawal adjustments for any subsequent withdrawals, will accumulate daily at a rate equivalent to 5% per year (3% in certain states) from the date we determine the Death Proceeds, until the earlier of:

• The first Contract Anniversary following the 80th birthday of either the oldest New Contract Owner or the oldest Annuitant, whichever is earlier. (After the 80th birthday of either the oldest New Owner or the oldest Annuitant, whichever is earlier, the Enhanced Beneficiary Protection (Annual Increase) Benefit will be recalculated only for purchase payments and withdrawals (and Credit Enhancements for Allstate Advisor Plus Contracts); or

• The date we next determine the Death Proceeds.

Earnings Protection Death Benefit Option.

The “Earnings Protection Death Benefit Option” is only available if the oldest Contract Owner and oldest Annuitant are age 79 or younger on the Rider Application Date. There is an additional mortality and expense risk charge for this death benefit option, currently equal to:

• 0.25%, if the oldest Contract Owner and oldest Annuitant are age 70 or younger on the Rider Application Date; and

• 0.40%, if the oldest Contract Owner or oldest Annuitant is over age 70 and all are age 79 or younger on the Rider Application Date.

We may change what we charge for this death benefit option, but it will never exceed 0.35% for issue ages 0-70 and 0.50% for issue ages 71-79. Once added to your Contract, we guarantee that we will not increase the mortality and expense risk charge you pay for this death benefit option. However, if your spouse elects to continue the Contract in the event of your death and if he or she elects to continue the Earnings Protection Death Benefit Option, the mortality and expense risk charge for the death benefit option will be based on the ages of the oldest new Contract Owner and the oldest Annuitant at the time the Contract is continued.

If the oldest Contract Owner and oldest Annuitant are age 70 or younger on the Rider Application Date, the Earnings Protection Death Benefit is equal to the lesser of:

• 100% of “In-Force Premium” (excluding purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made after the date we issue the rider for this benefit (“Rider Date”) and during the twelve-month period immediately prior to the death of the Contract Owner or Annuitant); or

• 40% of “In-Force Earnings”

calculated as of the date we determine the Death Proceeds.

If the oldest Contract Owner or oldest Annuitant is over age 70 and all are age 79 or younger on the Rider Application Date, the Earnings Protection Death Benefit is equal to the lesser of:

• 50% of “In-Force Premium” (excluding purchase payments (and Credit Enhancements for Allstate Advisor Plus Contracts) made after the Rider Date and during the twelve-month period immediately prior to the death of the Contract Owner or Annuitant); or

• 25% of “In-Force Earnings”

calculated as of the date we determine the Death Proceeds.

In-Force Earnings are equal to the current Contract Value less In-Force Premium. If this quantity is negative, then In-Force Earnings are equal to zero.

In-Force Premium is equal to the Contract Value on the Rider Date, plus the sum of all purchase payments made after the Rider Date, less the sum of all “Excess-of-Earnings Withdrawals” made after the Rider Date.

An Excess-of-Earnings Withdrawal is equal to the excess, if any, of the amount of the withdrawal over the amount of the In-Force Earnings immediately prior to the withdrawal.

Refer to Appendix F for numerical examples that illustrate how the Earnings Protection Death Benefit Option is calculated.

If, upon death of the Contract Owner, the Contract is continued under Option D as described on page 75 below, and if the oldest new Owner and the oldest Annuitant are younger than age 80 on the date we determine the Death Proceeds, then this death benefit option will continue unless the New Contract Owner elects to terminate the death benefit option. If the death benefit option is continued, the following will apply as of the date we determine the Death Proceeds upon continuation:

• The Rider Date will be changed to the date we determine the Death Proceeds;

• The In-Force Premium is equal to the Contract Value as of the new Rider Date plus all purchase payments made after the Rider Date, less the sum of all the Excess-of-Earnings Withdrawals made after the Rider Date;

• The Earnings Protection Death Benefit after the new Rider Date will be determined as described above, but using the ages of the oldest new Contract Owner and the oldest Annuitant as of the new Rider Date.

• The mortality and expense risk charge, for this rider, will be determined as described above, but using the ages of the oldest new Contract Owner and the oldest Annuitant as of the new Rider Date.

If either the Contract Owner’s or the Annuitant’s age is misstated, the Earnings Protection Death Benefit and the mortality and expense risk charge for this death benefit option will be calculated according to the corrected age as of the Rider Date. Your Contract Value will be adjusted to reflect the mortality and expense risk charge for this death benefit option that should have been assessed based on the corrected age.

ALL OPTIONS.

We reserve the right to impose limitations on the investment alternatives in which you may invest as a condition of these options. These restrictions may include, but are not limited to, maximum investment limits on certain investment alternatives, exclusion of certain investment alternatives, required minimum allocations to certain Variable Sub-Accounts and/or the required use of Automatic Portfolio Rebalancing. Currently, no such restrictions are being imposed.

These death benefit options will terminate and the corresponding Rider Fee will cease on the earliest of the following to occur:

• the date the Contract is terminated;

• if, upon the death of the Contract Owner, the Contract is continued under Option D as described in the Death of Owner section on page 75, and either the oldest New Owner or the oldest Annuitant is older than age 80 (age 80 or older for the Earnings Protection Death Benefit Option) on the date we determine the Death Proceeds. The death benefit option will terminate on the date we determine the Death Proceeds;

• if the Contract is not continued in the Accumulation Phase under either the Death of Owner or Death of Annuitant provisions of the Contract. The death benefit option will terminate on the date we determine the Death Proceeds;

• on the date the Contract Owner (if the current Contract Owner is a living person) is changed for any reason other than death unless the New Contract Owner is a trust and the Annuitant is the current Contract Owner;

• on the date the Contract Owner (if the current Contract Owner is a non-living person) is changed for any reason unless the New Contract Owner is a non-living person or is the current Annuitant; or

• the Payout Start Date.

Notwithstanding the preceding, in the event of the Contract Owner’s death, if the Contract Owner’s spouse elects to continue the Contract (as permitted in the Death of Owner provision below) he or she may terminate the Earnings Protection Death Benefit at that time.

DEATH BENEFIT PAYMENTS

Death of Contract Owner

If a Contract Owner dies prior to the Payout Start Date, then the surviving Contract Owners will be “New Contract Owners”. If there are no surviving Contract Owners, then subject to any restrictions previously placed upon them, the Beneficiaries will be the New Contract Owners.

If there is more than one New Contract Owner taking a share of the Death Proceeds, each New Contract Owner will be treated as a separate and independent Contract Owner of his or her respective share of the Death Proceeds. Each New Contract Owner will exercise all rights related to his or her share of the Death Proceeds, including the sole right to elect one of the Option(s) below, subject to any restrictions previously placed upon the New Contract Owner. Each New Contract Owner may designate a Beneficiary(ies) for his or her respective share, but that designated Beneficiary(ies) will be restricted to the Option chosen by the original New Contract Owner.

The Options available to the New Contract Owner will be determined by the applicable following Category in which the New Contract Owner is defined. An Option will be deemed to have been chosen on the day we receive written notification in a form satisfactory to us.

New Contract Owner Categories

Category 1. If your spouse (or Annuitant’s spouse in the case of a grantor trust-owned Contract) is the sole New Contract Owner of the entire Contract, your spouse must choose from among the death settlement Options A, B, C, D, or E described below. If he or she does not choose one of these Options, then Option D will apply. Note that if you elected to receive required minimum distributions under a Minimum Distribution Option, the program will be discontinued upon receipt of notification of death. The final required minimum distribution must be distributed prior to establishing a beneficiary payment option for the balance of the Contract.

Category 2. If the New Contract Owner is a living person who is not your spouse (or Annuitant’s spouse in the case of a grantor trust-owned Contract), or there is more than one New Contract Owner, all of whom are living persons, each New Contract Owner must choose from among the death settlement Options A, B, C, or E described below. If a New Contract Owner does not choose one of these Options, then Option C will apply for that New Contract Owner.

Category 3. If there are one or more New Contract Owner(s) and at least one of the New Contract Owners is a non-living person such as a corporation or a trust, all New Contract Owners are considered to be non-living persons for purposes of the death settlement options. Each New Contract Owner must choose death settlement Option A or C described below. If a New Contract Owner does not choose one of these Options, then Option C will apply for that New Contract Owner. The death settlement options we currently offer are:

Option A. The New Contract Owner may elect to receive the Death Proceeds in a lump sum.

Option B. The New Contract Owner may elect to apply the Death Proceeds to one of the Income Plans described above. Such income payments must begin within one year of the date of death and must be payable:

• Over the life of the New Contract Owner; or

• For a guaranteed payment period of at least 5 years (60 months), but not to exceed the life expectancy of the New Contract Owner; or

• Over the life of the New Contract Owner with a guaranteed payment period of at least 5 years (60 months), but not to exceed the life expectancy of the New Contract Owner.

Option C. The New Contract Owner may elect to receive the Contract Value payable within 5 years of the date of death. The Contract Value, as of the date we receive the first Complete Request for Settlement, will be reset to equal the Death Proceeds as of that date. Any excess amount of the Death Proceeds over the Contract Value on that date will be allocated to the Putnam VT Government Money Market – Class IB Sub-Account unless the New Contract Owner provides other allocation instructions. If we do not receive instructions on where to send the payment within 5 years of the date of death, the funds will be escheated.

The New Contract Owner may not make any additional purchase payments under this option. Withdrawal charges will be waived for any withdrawals made during the 5-year period after the date of death; however, amounts withdrawn may be subject to Market Value Adjustments. The New Contract Owner may exercise all rights set forth in the Transfers provision.

Unless otherwise instructed by the continuing spouse, the excess, if any, of the Death Proceeds over the Contract Value will be allocated to the Sub-Accounts of the Variable Account. This excess will be allocated in proportion to your Contract Value in those Sub-Accounts as of the end of the Valuation Date that we receive the complete request for settlement except that any portion of this excess attributable to the Fixed Account Options will be allocated to the Putnam VT Government Money Market – Class IB Sub-Account.

Within 30 days after the date we determine the Death Proceeds, the New Contract Owner may make a one-time transfer of all or a portion of the excess of the Death Proceeds, if any, into any combination of Variable Sub-Accounts, the Standard Fixed Account and the Market Value Adjusted Fixed Account without incurring a transfer fee, provided the investment alternative is available with the Contract at that time. Any such transfer does not count as one of the free transfers allowed each Contract Year and is subject to any minimum allocation amount specified in this Contract.

The New Contract Owner may make a single withdrawal of any amount within one year of the date of your death without incurring a Withdrawal Charge; however, the amount withdrawn may be subject to a Market Value Adjustment and a 10% tax penalty if the New Contract Owner is under age 59¹/₂.

Option E. For Nonqualified Contracts, the New Contract Owner may elect to make withdrawals at least annually of amounts equal to the “Annual Required Distribution” calculated for each calendar year. The first such withdrawal must occur within:

• One year of the date of death;

• The same calendar year as the date we receive the first Complete Request for Settlement; and

• One withdrawal frequency.

The New Contract Owner must select the withdrawal frequency (monthly, quarterly, semi-annual, or annual). Once this option is elected and frequency of withdrawals is chosen, they cannot be changed by the New Contract Owner and become irrevocable.

In the calendar year in which the Death Proceeds are determined, the Annual Required Distribution is equal to the Contract Value on the date of the first distribution divided by the “Life Expectancy” of the New Contract Owner and the result multiplied by a fraction that represents the portion of the calendar year remaining after the date of the first distribution. (The Contract Value, as of the date we receive the Complete Request for Settlement, will be reset to equal the Death Proceeds as of that date. The Contract Value on the date of the first distribution may be more or less than the Contract Value as of the date we receive the Complete Request for Settlement.) The Life Expectancy in that calendar year is equal to the life expectancy value from IRS Tables based on the age of the New Contract Owner as of his or her birthday in the same calendar year.

In any subsequent calendar year, the Annual Required Distribution is equal to the Contract Value as of December 31 of the prior year divided by the remaining Life Expectancy of the New Contract Owner. In each calendar year after the calendar year in which the first distribution occurred, the Life Expectancy of the New Contract Owner is the Life Expectancy calculated in the previous calendar year minus one (1) year. If the Life Expectancy is less than one (1), the Annual Required Distribution is equal to the Contract Value.

If the New Contract Owner dies before the Contract Value is completely withdrawn, the scheduled withdrawals will continue to be paid to the New Contract Owner’s Beneficiary(ies). The Contract Value invested in the Variable Sub-Accounts will be subject to investment risk until it is withdrawn.

We reserve the right to offer additional death settlement options.

Death of Annuitant

If the Annuitant dies prior to the Payout Start Date, then the surviving Contract Owners will have the Options available to the New Contract Owner, determined by the applicable following category in which the New Contract Owner is defined, unless:

• The Annuitant was also the Contract Owner, in which case the Death of Owner provisions above apply; or

• The Contract Owner is a grantor trust not established by a business, in which case the Beneficiary(ies) will be deemed the New Contract Owners and the Death of Contract Owner provisions above will apply.

Surviving Contract Owner Categories

Category 1. If the Contract Owner is a living person, prior to the Annuitant’s death, the Contract Owner must choose from among the death settlement Options A, B, or D described below. If the Contract Owner does not choose one of these Options, then Option D will apply.

Category 2. If the Contract Owner is a non-living person such as a corporation or a trust, the Contract Owner must choose from death settlement Options A or C described below. If the Contract Owner does not choose one of these Options, then Option C will apply.

The death settlement options we currently offer are:

Option A. The Contract Owner may elect to receive the Death Proceeds in a lump sum.

Option B. The Contract Owner may elect to apply the Death Proceeds to one of the Income Plans described above. Such income payments must begin within one year of the date of death.

Option C. The Contract Owner may elect to receive the Contract Value payable within 5 years of the date of death. The Contract Value, as of the date we receive the first Complete Request for Settlement, will be reset to equal the Death Proceeds as of that date. Any excess amount of the Death Proceeds over the Contract Value on that date will be allocated to the Putnam VT Government Money Market – Class IB Sub-Account unless the Contract Owner provides other allocation instructions.

The Contract Owner may not make any additional purchase payments under this option. Withdrawal charges will be waived for any withdrawals made during the 5-year period after the date of death; however, amounts withdrawn may be subject to Market Value Adjustments. The Contract Owner may exercise all rights set forth in the Transfers provision.

Option D. The Contract Owner may elect to continue the Contract and the youngest Contract Owner will become the new Annuitant. The Contract Value of the continued Contract will not be adjusted to equal the Death Proceeds.

We reserve the right to offer additional death settlement options.

Qualified Contracts

The death settlement options for Qualified Contracts, including IRAs, may be different to conform with the individual tax requirements of each type of Qualified Contract. Please refer to your Endorsement for IRAs or 403(b) plans, if applicable, for additional information on your death settlement options. In the case of certain Qualified Plans, the terms of the Qualified Plan Endorsement and the plans may govern the right to benefits, regardless of the terms of the Contract.

Spousal Protection Benefit (Co-Annuitant) Option and Death of Co-Annuitant

We offer a Spousal Protection Benefit (Co-Annuitant) Option that may be added to your Contract subject to the following conditions:

• The individually owned Contract must be either a traditional, Roth, or Simplified Employee Pension IRA.

• The Contract Owner’s spouse must be the sole Primary Beneficiary of the Contract and will be the named Co-Annuitant.

• The Contract Owner must be age 90 or younger on the Rider Application Date; and the Co-Annuitant must be age 79 or younger on the Rider Application Date.

• On or after May 1, 2005, the Option may be added only when we issue the Contract or within 6 months of the Contract Owner’s marriage. You may not add the Option to your Contract without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the Option. We may require proof of marriage in a form satisfactory to us.

Under the Spousal Protection Benefit Option, the Co-Annuitant will be considered to be an Annuitant under the Contract during the Accumulation Phase except that the “Death of Annuitant” provision does not apply on the death of the Co-Annuitant, and the latest Payout Start Date will be based solely on the Contract Owner’s age.

You may change the Co-Annuitant to a new spouse only if you provide proof of remarriage in a form satisfactory to us. Once we accept a change, the change will take effect on the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. At any time, there may be only one Co-Annuitant under your Contract.

There is an annual Rider Fee of 0.10% of the Contract Value for new Options added on or after January 1, 2005. For Options added prior to this date, there is no charge for this Option. We reserve the right to assess an annual Rider Fee not to exceed 0.15% for Options added in the future. Once this Option is added to your Contract, we guarantee that we will not increase what we charge you for this Option. For Contracts purchased on or after January 1, 2005, we may discontinue offering the Spousal Protection Benefit (Co-Annuitant) Option at any time prior to the time you elect to receive it.

The option will terminate upon the date termination is accepted by us or will terminate on the earliest of the following occurrences:

• upon the death of the Co-Annuitant (as of the date we determine the Death Proceeds);

• upon the death of the Contract Owner (as of the date we determine the Death Proceeds);

• on the date the Contract is terminated;

• on the Payout Start Date; or

• on the date you change the beneficiary of the Contract and the change is accepted by us;

• for options added on or after January 1, 2005, the Owner may terminate the option upon the divorce of the Owner and the Co-Annuitant by providing written notice and proof of divorce in a form satisfactory to us;

• for options added prior to January 1, 2005, the Owner may terminate this option at anytime by written notice in a form satisfactory to us.

Once terminated, a new Spousal Protection Benefit (Co-Annuitant) Option cannot be added to the Contract unless the last Option attached to the Contract was terminated due to divorce or a change of beneficiary.

Death of Co-Annuitant. If the Co-Annuitant dies prior to the Payout Start Date, subject to the following conditions, the Contract will be continued according to Option D under the “Death of Owner” provision of your Contract:

• The Co-Annuitant must have been your legal spouse on the date of his or her death; and

• Option D of the “Death of Owner” provision of your Contract has not previously been exercised.

The Contract may only be continued once under Option D under the “Death of Owner” provision. For a description of Option D, see the “Death of Owner” section of this prospectus.

Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts and Death of Co-Annuitant

We offer a Spousal Protection Benefit (Co-Annuitant) Option for certain Custodial Individual Retirement Accounts established under Code Section 408(a) that may be added to your Contract. CSP may not be available in all states. CSP is subject to the following conditions (“CSP Conditions”):

• The beneficially owned Contract must be a Custodial traditional IRA, Custodial Roth IRA, or a Custodial Simplified Employee Pension IRA.

• The Annuitant must be the beneficial owner of the Custodial traditional IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA.

• The Co-Annuitant must be the legal spouse of the Annuitant. Only one Co-Annuitant may be named.

• The Co-Annuitant must be the sole beneficiary of the Custodial traditional IRA, Custodial Roth IRA, or the Custodial Simplified Employee Pension IRA.

• The Annuitant must be age 90 or younger on the CSP Application Date.

• The Co-Annuitant must be age 79 or younger on the CSP Application Date.

• On or after May 1, 2005, the CSP may be added only when we issue the Contract or within 6 months of the beneficial owner’s marriage. You may not add the CSP to your Contract without our prior approval if your Contract Value is greater than $1,000,000 at the time you choose to add the CSP. We may require proof of marriage in a form satisfactory to us.

• We have made no payments under any Income Plan.

• There is an annual Rider Fee of 0.10% of the Contract Value for new Options added on or after January 1, 2005. For Options added prior to this date, there is no charge for this Option. We reserve the right to increase the annual Rider Fee to up to 0.15% of the Contract Value.

Under CSP, the Co-Annuitant will be considered to be an Annuitant under the Contract during the Accumulation Phase except that:

• The Co-Annuitant will not be considered to be an Annuitant for purposes of determining the Payout Start Date.

• The “Death of Annuitant” provision of the Contract does not apply on the death of the Co-Annuitant.

• The Co-Annuitant is not considered the beneficial owner of the Custodial traditional IRA, Custodial Roth IRA, or the Custodial Simplified Employee Pension IRA.

For Spousal Protection Benefit (Co-Annuitant) Options for Custodial Individual Retirement Accounts added on or after January 1, 2005, there is an annual Rider Fee of 0.10% of the Contract Value for this Option. For Options added prior to this date, there is no charge for this Option. We reserve the right to assess an annual Rider Fee not to exceed 0.15% for Options added in the future. Once this Option is added to your Contract, we guarantee that we will not increase what we charge you for this Option. For Contracts issued on or after January 1, 2005, we may discontinue offering the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts at any time to new Contract Owners and to existing Contract Owners who did not elect the Option prior to the date of discontinuance.

The Owner may terminate CSP upon the divorce of the Annuitant and the Co-Annuitant by providing written notice and proof of divorce in a form satisfactory to us. The Owner may also terminate CSP upon a change in the beneficiary of the IRA by providing written notice and proof of the change in a form satisfactory to us. CSP will terminate upon the date termination is accepted by us or on the earliest of the following occurrences:

• On the date CSP is terminated as described above; or

• Upon the death of the Annuitant; or

• Upon the death of the Co-Annuitant; or

• On the date the Contract is terminated; or

• On the Payout Start Date.

Once terminated, a new CSP cannot be added to the Contract unless the last option attached to the Contract was terminated due to divorce or change of beneficiary of the IRA.

Death of Co-Annuitant. This section applies if:

• The CSP Conditions are met.

• The Annuitant was, at the time of the Co-Annuitant’s death, the beneficial owner of the Custodial traditional IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA.

• We have received proof satisfactory to us that the Co-Annuitant has died.

• The Co-Annuitant was, at the time of the Co-Annuitant’s death, the sole beneficiary of the Custodial traditional IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA, and

• the Co-Annuitant was, at the time of the Co-Annuitant’s death, the legal spouse of the Annuitant.

If this section applies and if the Co-Annuitant dies prior to the Payout Start Date, then, subject to the following conditions, the Contract may be continued according to Option D under the “Death of Owner” provisions under the same terms and conditions that would apply if the Co-Annuitant were the Owner of the Contract before death and the sole new Owner of the Contract were the Annuitant provided that:

• The Co-Annuitant was the legal spouse of the Annuitant on the date of Annuitant’s death.

• The Owner does not thereafter name a new Co-Annuitant; and

• The Owner of the Custodial traditional IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA remains the Custodian; and

• The Contract may only be continued once.

More Information

ALLSTATE

Allstate Life is the issuer of the Contract. Allstate Life was organized in 1957 as a stock life insurance company under the laws of the State of Illinois.

Allstate Life is a wholly owned subsidiary of Allstate Insurance Company, a stock property-liability insurance company organized under the laws of the State of Illinois. All of the capital stock issued and outstanding of Allstate Insurance Company is owned by Allstate Insurance Holdings, LLC, which is wholly owned by The Allstate Corporation.

Allstate Life is licensed to operate in the District of Columbia, Puerto Rico, and all jurisdictions except the State of New York. We intend to offer the Contract in those jurisdictions in which we are licensed. Our home office is located at 3075 Sanders Road, Northbrook, Illinois, 60062.

Effective June 1, 2006, Allstate Life entered into an agreement (“the Agreement”) with Prudential Financial, Inc. and its subsidiary, The Prudential Insurance Company of America (“PICA”) pursuant to which Allstate Life sold, through a combination of coinsurance and modified coinsurance reinsurance, substantially all of its variable annuity business. Pursuant to the Agreement Allstate Life and PICA also entered into an administrative services agreement which provides that PICA or an affiliate administer the Variable Account and the Contracts. The benefits and provisions of the Contracts have not been changed by these transactions and agreements. None of the transactions or agreements have changed the fact that we are primarily liable to you under your Contract.

VARIABLE ACCOUNT

Allstate Life established the Allstate Financial Advisors Separate Account I (“Variable Account”) in 1999. The Contracts were previously issued through Allstate Life Insurance Company Separate Account A. Effective May 1, 2004, the Variable Account combined with Allstate Life Insurance Company Separate Account A and consolidated duplicative Variable Sub-Accounts that invest in the same Portfolio (the “Consolidation”). The Accumulation Unit Values for the Variable Sub-Accounts in which you invest did not change as a result of the Consolidation, and your Contract Value immediately after the Consolidation was the same as the value immediately before the Consolidation. We have registered the Variable Account with the SEC as a unit investment trust. The SEC does not supervise the management of the Variable Account or Allstate Life.

We own the assets of the Variable Account. The Variable Account is a segregated asset account under Illinois law. That means we account for the Variable Account’s income, gains and losses separately from the results of our other operations. It also means that only the assets of the Variable Account that are in excess of the reserves and other Contract liabilities with respect to the Variable Account are subject to liabilities relating to our other operations. Our obligations arising under the Contracts are general corporate obligations of Allstate Life.

The Variable Account consists of multiple Variable Sub-Accounts, each of which invests in a corresponding Portfolio. We may add new Variable Sub-Accounts or eliminate one or more of them, if we believe marketing, tax, or investment conditions so warrant. We do not guarantee the investment performance of the Variable Account, its Sub-Accounts or the Portfolios. We may use the Variable Account to fund our other annuity contracts. We will account separately for each type of annuity contract funded by the Variable Account.

THE PORTFOLIOS

Dividends and Capital Gain Distributions. We automatically reinvest all dividends and capital gains distributions from the Portfolios in shares of the distributing Portfolios at their net asset value.

Voting Privileges. As a general matter, you do not have a direct right to vote the shares of the Portfolios held by the Variable Sub-Accounts to which you have allocated your Contract Value. Under current law, however, you are entitled to give us instructions on how to vote those shares on certain matters. Based on our present view of the law, we will vote the shares of the Portfolios that we hold directly or indirectly through the Variable Account in accordance with instructions that we receive from Contract Owners entitled to give such instructions.

As a general rule, before the Payout Start Date, the Contract Owner or anyone with a voting interest is the person entitled to give voting instructions. The number of shares that a person has a right to instruct will be determined by dividing the Contract Value allocated to the applicable Variable Sub-Account by the net asset value per share of the corresponding Portfolio as of the record date of the meeting. After the Payout Start Date the person receiving income payments has the voting interest. The payee’s number of votes will be determined by dividing the reserve for such Contract allocated to the applicable Sub-Account by the net asset value per share of the corresponding Portfolio. The votes decrease as income payments are made and as the reserves for the Contract decrease.

We will vote shares attributable to Contracts for which we have not received instructions, as well as shares attributable to us, in the same proportion as we vote shares for which we have received instructions, unless we determine that we may vote such shares in our own discretion. We will apply voting instructions to abstain on any item to be voted upon on a pro-rata basis to reduce the votes eligible to be cast.

We reserve the right to vote Portfolio shares as we see fit without regard to voting instructions to the extent permitted by law. If we disregard voting instructions, we will include a summary of that action and our reasons for that action in the next semi-annual financial report we send to you.

Changes in Portfolios. If the shares of any of the Portfolios are no longer available for investment by the Variable Account or if, in our judgment, further investment in such shares is no longer desirable in view of the purposes of the Contract, we may eliminate that Portfolio and substitute shares of another eligible investment fund. Any substitution of securities will comply with the requirements of the Investment Company Act of 1940. We also may add new Variable Sub-Accounts that invest in additional underlying funds. We will notify you in advance of any change.

Conflicts of Interest. Certain of the Portfolios sell their shares to separate accounts underlying both variable life insurance and variable annuity contracts. It is conceivable that in the future it may be unfavorable for variable life insurance separate accounts and variable annuity separate accounts to invest in the same Portfolio. The board of directors/trustees of these Portfolios monitors for possible conflicts among separate accounts buying shares of the Portfolios. Conflicts could develop for a variety of reasons. For example, differences in treatment under tax and other laws or the failure by a separate account to comply with such laws could cause a conflict. To eliminate a conflict, the Portfolio’s board of directors/trustees may require a separate account to withdraw its participation in a Portfolio. A Portfolio’s net asset value could decrease if it had to sell investment securities to pay redemption proceeds to a separate account withdrawing because of a conflict.

THE CONTRACT

Distribution. Allstate Distributors, L.L.C., located at 3075 Sanders Road, Northbrook, IL 60062, is the principal underwriter and distributor of the Contract. Allstate Distributors is a wholly owned subsidiary of Allstate Life. Allstate Distributors is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended, and is a member of the Financial Industry Regulatory Authority (“FINRA”).

Allstate Distributors does not sell Contracts directly to purchasers. Allstate Distributors enters into selling agreements with affiliated and unaffiliated broker-dealers and banks to sell the Contracts through their registered representatives. The broker-dealers are registered with the SEC and are FINRA member firms. Their registered representatives are also licensed as insurance agents by applicable state insurance authorities and appointed as agents of Allstate Life in order to sell the Contracts. Contracts also may be sold by representatives or employees of banks that may be acting as broker-dealers without separate registration under the Exchange Act, pursuant to legal and regulatory exceptions.

We will pay commissions to broker-dealers and banks which sell the Contracts. Commissions paid vary, but we may pay up to a maximum sales commission of 7.5% of total purchase payments. In addition, we may pay ongoing annual compensation of up to 1.25% of Contract Value. Individual representatives receive a portion of compensation paid to the broker-dealer or bank with which they are associated in accordance with the broker dealer’s or bank’s practices. We estimate that commissions and annual compensation, when combined, will not exceed 8.5% of total purchase payments. However, commissions and annual compensation could exceed that amount because ongoing annual compensation is related to Contract Value and the number of years the Contract is held.

From time to time, we pay asset-based compensation and/or marketing allowances to banks and broker-dealers. These payments vary among individual banks and broker dealers, and the asset-based payments may be up to 0.25% of Contract Value annually. These payments are intended to contribute to the promotion and marketing of the Contracts, and they vary among banks and broker-dealers. The marketing and distribution support services include but are not limited to: (1) placement of the Contracts on a list of preferred or recommended products in the bank’s or broker-dealer’s distribution system; (2) sales promotions with regard to the Contracts; (3) participation in sales conferences; and (4) helping to defray the costs of sales conferences and educational seminars for the bank or broker-dealer’s registered representatives. A list of broker-dealers and banks that Allstate Distributors paid pursuant to such arrangements is provided in the Statement of Additional Information, which is available upon request. For a free copy, please write or call us at the address or telephone number listed on the front page of this prospectus, or go to the SEC’s Web site (http://www.sec.gov).

To the extent permitted by FINRA rules and other applicable laws and regulations, we may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. We may not offer the arrangements to all broker-dealers and banks and the terms of the arrangement may differ among broker-dealers and banks.

Individual registered representatives, broker-dealers, banks, and branch managers within some broker-dealers and banks participating in one of these compensation arrangements may receive greater compensation for selling the contract than for selling a different contact that is not eligible for the compensation arrangement. While we take the compensation into account when establishing contract charges, any such compensation will be paid by us or Allstate Distributors and will not result in any additional charge to you. Your registered representative can provide you with more information about the compensation arrangements that apply to the sale of the contract.

Allstate Life does not pay Allstate Distributors a commission for distribution of the Contracts. Allstate Distributors compensates its representatives who act as wholesalers, and their sales management personnel, for Contract sales. This compensation is based on a percentage of premium payments and/or a percentage of Contract Values. The underwriting agreement with Allstate Distributors

provides that we will reimburse Allstate Distributors for expenses incurred in distributing the Contracts, including any liability to Contract Owners arising out of services rendered or Contracts issued.

For Allstate Advisor Contracts issued to employees of Allstate Life and certain other eligible organizations, and in lieu of Allstate Life paying any commissions on sales of those Contracts, the Contract Owner will receive a credit of 6% of the amount of each purchase payment that will be applied to each purchase payment. Allstate Life will allocate this credit in the same allocation as your most recent instruction. If you exercise your Right to Cancel your Contract as described in this prospectus, we will return to you the amount you would have received had there been no credit. Unless we are required by law to return your purchase payments, this amount also will include any charges deducted that reduced your Contract Value prior to cancellation, plus any investment gain on the credit. The credit may not be available in all states. We do not consider the credit to be an “investment in the contract” for income tax purposes. The amount you receive will be less applicable federal and state income tax withholding.

Administration. We have primary responsibility for all administration of the Contracts and the Variable Account. We entered into an administrative services agreement with The Prudential Insurance Company of America (“PICA”) whereby, PICA or an affiliate provides administrative services to the Variable Account and the Contracts on our behalf. In addition, PICA entered into a master services agreement with se², LLC, of 5801 SW 6th Avenue, Topeka, Kansas 66636, whereby se², LLC provides certain business process outsourcing services with respect to the Contracts. se², LLC may engage other service providers to provide certain administrative functions. These service providers may change over time, and as of December 31, 2015, consisted of the following: NTT DATA, Inc. (administrative services) located at 100 City Square, Boston, MA 02129; RR Donnelley Global Investment Markets, a division of RR Donnelley & Sons Company (compliance printing and mailing) located at 111 South Wacker Drive, Chicago, IL 60606; Jayhawk File Express, LLC (file storage and document destruction) located at 601 E. 5th Street, Topeka, KS 66601-2596; Co-Sentry.net, LLC (back-up printing and disaster recovery) located at 9394 West Dodge Rd, Suite 100, Omaha, NE 68114; Convey Compliance Systems, Inc. (withholding calculations and tax statement mailing) located at 3650 Annapolis Lane, Suite 190, Plymouth, MN 55447; Spangler Graphics, LLC (compliance mailings) located at 29305 44th Street, Kansas City, KS 66106; Veritas Document Solutions, LLC (compliance mailings) located at 913 Commerce Ct, Buffalo Grove, IL 60089; Records Center of Topeka, a division of Underground Vaults & Storage, Inc. (back-up tapes storage) located at 1540 NW Gage Blvd. #6, Topeka, KS 66618; Venio LLC, d/b/a Keane (lost shareholder search) located at PO Box 1508, Southeastern, PA 19399-1508; DST Systems, Inc. (FAN mail, positions, prices) located at 333 West 11 Street, 5th Floor, Kansas City, MO 64105.

In administering the Contracts, the following services are provided, among others:

• maintenance of Contract Owner records;

• Contract Owner services;

• calculation of unit values;

• maintenance of the Variable Account; and

• preparation of Contract Owner reports.

We will send you Contract statements at least annually. We will also send you transaction confirmations. You should notify us promptly in writing of any address change. You should read your statements and confirmations carefully and verify their accuracy. You should contact us promptly if you have a question about a periodic statement or a confirmation. We will investigate all complaints and make any necessary adjustments retroactively, but you must notify us of a potential error within a reasonable time after the date of the questioned statement. If you wait too long, we will make the adjustment as of the date that we receive notice of the potential error.

Correspondence sent by regular mail to our Annuity Service Center should be sent to the address shown above. Your correspondence will be picked up at this address and then delivered to our Annuity Service Center. Your correspondence is not considered received by us until it is received at our Annuity Service Center. Where this prospectus refers to the day when we receive a purchase payment, request, election, notice, transfer or any other transaction request from you, we mean the day on which that item (or the last requirement needed for us to process that item) arrives in complete and proper form at our Annuity Service Center or via the appropriate telephone or fax number if the item is a type we accept by those means. There are two main exceptions: if the item arrives at our Annuity Service Center (1) on a day that is not a business day, or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

We will also provide you with additional periodic and other reports, information and prospectuses as may be required by federal securities laws.

We provide information about cyber security risks associated with this Annuity in the Statement of Additional Information.

ANNUITIES HELD WITHIN A QUALIFIED PLAN

If you use the Contract within an employer sponsored qualified retirement plan, the plan may impose different or additional conditions or limitations on withdrawals, waivers of withdrawal charges, death benefits, Payout Start Dates, income payments, and other Contract features. In addition, adverse tax consequences may result if Qualified Plan limits on distributions and other conditions are not met. Please consult your Qualified Plan administrator for more information. Allstate Life no longer issues deferred annuities to employer sponsored qualified retirement plans.

LEGAL PROCEEDINGS

There are no pending legal proceedings to which the Separate Account is a party. Allstate Life is engaged from time to time in routine lawsuits, which, in management’s judgment, are not likely to have a material effect, either individually or in the aggregate, on the operating results, cash flows or financial position of Allstate Life.

LEGAL MATTERS

All matters of Illinois law pertaining to the Contracts, including the validity of the Contracts and Allstate Life’s right to issue such Contracts under Illinois insurance law, have been passed upon by Angela K. Fontana, General Counsel of Allstate Life.

Taxes

The following discussion is general and is not intended as tax advice. Allstate Life makes no guarantee regarding the tax treatment of any Contract or transaction involving a Contract.

Federal, state, local and other tax consequences of ownership or receipt of distributions under an annuity contract depend on your individual circumstances. If you are concerned about any tax consequences with regard to your individual circumstances, you should consult a competent tax adviser.

TAXATION OF ALLSTATE LIFE INSURANCE COMPANY

Allstate Life is taxed as a life insurance company under Part I of Subchapter L of the Code. Since the Variable Account is not an entity separate from Allstate Life, and its operations form a part of Allstate Life, it will not be taxed separately. Investment income and realized capital gains of the Variable Account are automatically applied to increase reserves under the Contract. Under existing federal income tax law, Allstate Life believes that the Variable Account investment income and capital gains will not be taxed to the extent that such income and gains are applied to increase the reserves under the Contract. Accordingly, Allstate Life does not anticipate that it will incur any federal income tax liability attributable to the Variable Account, and therefore Allstate Life does not intend to make provisions for any such taxes. If Allstate Life is taxed on investment income or capital gains of the Variable Account, then Allstate Life may impose a charge against the Variable Account in order to make provision for such taxes.

TAXATION OF VARIABLE ANNUITIES IN GENERAL

Tax Deferral. Generally, you are not taxed on increases in the Contract Value until a distribution occurs. This rule applies only where:

• the Contract Owner is a natural person,

• the investments of the Variable Account are “adequately diversified” according to Treasury Department regulations, and

• Allstate Life is considered the owner of the Variable Account assets for federal income tax purposes.

Non-Natural Owners. Non-natural owners are also referred to as Non Living Owners in this prospectus. As a general rule, annuity contracts owned by non-natural persons such as corporations, trusts, or other entities are not treated as annuity contracts for federal income tax purposes. The income on such contracts does not enjoy tax deferral and is taxed as ordinary income received or accrued by the non-natural owner during the taxable year.

Exceptions to the Non-Natural Owner Rule. There are several exceptions to the general rule that annuity contracts held by a non-natural owner are not treated as annuity contracts for federal income tax purposes. Contracts will generally be treated as held by a natural person if the nominal owner is a trust or other entity which holds the contract as agent for a natural person. However, this special exception will not apply in the case of an employer who is the nominal owner of an annuity contract under a non-Qualified deferred compensation arrangement for its employees. Other exceptions to the non-natural owner rule are: (1) contracts acquired by an estate of a decedent by reason of the death of the decedent; (2) certain qualified contracts; (3) contracts purchased by employers upon the termination of certain Qualified Plans; (4) certain contracts used in connection with structured settlement agreements; and (5) immediate annuity contracts, purchased with a single premium, when the annuity starting date is no later than a year from purchase of the annuity and substantially equal periodic payments are made, not less frequently than annually, during the annuity period.

Trusts are required to complete and submit a Certificate of Entity form, and we will tax report based on the information provided on this form.

Grantor Trust Owned Annuity. Contracts owned by a grantor trust are considered owned by a non-natural owner. Grantor trust owned contracts receive tax deferral as described in the Exceptions to the Non-Natural Owner Rule section. In accordance with the Code, upon the death of the annuitant, the death benefit must be paid. According to your Contract, the Death Benefit is paid to the beneficiary. A trust named beneficiary, including a grantor trust, has two options for receiving any death benefits: 1) a lump sum payment, or 2) payment deferred up to five years from date of death.

Diversification Requirements. For a Contract to be treated as an annuity for federal income tax purposes, the investments in the Variable Account must be “adequately diversified” consistent with standards under Treasury Department regulations. If the investments in the Variable Account are not adequately diversified, the Contract will not be treated as an annuity contract for federal income tax purposes. As a result, the income on the Contract will be taxed as ordinary income received or accrued by the Contract owner during the taxable year. Although Allstate Life does not have control over the Portfolios or their investments, we expect the Portfolios to meet the diversification requirements.

Ownership Treatment. The IRS has stated that a contract owner will be considered the owner of separate account assets if he possesses incidents of ownership in those assets, such as the ability to exercise investment control over the assets. At the time the diversification regulations were issued, the Treasury Department announced that the regulations do not provide guidance concerning circumstances in which investor control of the separate account investments may cause a Contract owner to be treated as the owner of the separate account. The Treasury Department also stated that future guidance would be issued regarding the extent that owners could direct sub-account investments without being treated as owners of the underlying assets of the separate account.

Your rights under the Contract are different than those described by the IRS in private and published rulings in which it found that Contract owners were not owners of separate account assets. For example, if your contract offers more than twenty (20) investment alternatives you have the choice to allocate premiums and contract values among a broader selection of investment alternatives than described in such rulings. You may be able to transfer among investment alternatives more frequently than in such rulings. These differences could result in you being treated as the owner of the Variable Account. If this occurs, income and gain from the Variable Account assets would be includible in your gross income. Allstate Life does not know what standards will be set forth in any regulations or rulings which the Treasury Department may issue. It is possible that future standards announced by the Treasury Department could adversely affect the tax treatment of your Contract. We reserve the right to modify the Contract as necessary to attempt to prevent you from being considered the federal tax owner of the assets of the Variable Account. However, we make no guarantee that such modification to the Contract will be successful.

Taxation of Partial and Full Withdrawals. If you make a partial withdrawal under a Non-Qualified Contract, amounts received are taxable to the extent the Contract Value, without regard to surrender charges, exceeds the investment in the Contract. The investment in the Contract is the gross premium paid for the contract minus any amounts previously received from the Contract if such amounts were properly excluded from your gross income. If you make a full withdrawal under a Non-Qualified Contract, the amount received will be taxable only to the extent it exceeds the investment in the Contract.

Taxation of Annuity Payments. Generally, the rule for income taxation of annuity payments received from a Non-Qualified Contract provides for the return of your investment in the Contract in equal tax-free amounts over the payment period. The balance of each payment received is taxable. For fixed annuity payments, the amount excluded from income is determined by multiplying the payment by the ratio of the investment in the Contract (adjusted for any refund feature or period certain) to the total expected value of annuity payments for the term of the Contract. If you elect variable annuity payments, the amount excluded from taxable income is determined by dividing the investment in the Contract by the total number of expected payments. The annuity payments will be fully taxable after the total amount of the investment in the Contract is excluded using these ratios. If any variable payment is less than the excludable amount you should contact a competent tax advisor to determine how to report any unrecovered investment. The federal tax treatment of annuity payments is unclear in some respects. As a result, if the IRS should provide further guidance, it is possible that the amount we calculate and report to the IRS as taxable could be different. If you die, and annuity payments cease before the total amount of the investment in the Contract is recovered, the unrecovered amount will be allowed as a deduction for your last taxable year.

Partial Annuitization

Effective January 1, 2011, an individual may partially annuitize their non-qualified annuity if the contract so permits. The Small Business Jobs Act of 2010 included a provision which allows for a portion of a non-qualified annuity, endowment or life insurance contract to be annuitized while the balance is not annuitized. The annuitized portion must be paid out over 10 or more years or over the lives of one or more individuals. The annuitized portion of the contract is treated as a separate contract for purposes of determining taxability of the payments under IRC section 72. We do not currently permit partial annuitization.

Taxation of Level Monthly Variable Annuity Payments. You may have an option to elect a variable income payment stream consisting of level monthly payments that are recalculated annually. Although we will report your levelized payments to the IRS in the year distributed, it is possible the IRS could determine that receipt of the first monthly payout of each annual amount is constructive receipt of the entire annual amount. If the IRS were to take this position, the taxable amount of your levelized payments would be accelerated to the time of the first monthly payout and reported in the tax year in which the first monthly payout is received.

Withdrawals After the Payout Start Date. Federal tax law is unclear regarding the taxation of any additional withdrawal received after the Payout Start Date. It is possible that a greater or lesser portion of such a payment could be taxable than the amount we determine.

Distribution at Death Rules. In order to be considered an annuity contract for federal income tax purposes, the Contract must provide:

• if any Contract Owner dies on or after the Payout Start Date but before the entire interest in the Contract has been distributed, the remaining portion of such interest must be distributed at least as rapidly as under the method of distribution being used as of the date of the Contract Owner’s death;

• if any Contract Owner dies prior to the Payout Start Date, the entire interest in the Contract will be distributed within 5 years after the date of the Contract Owner’s death. These requirements are satisfied if any portion of the Contract Owner’s interest that is payable to (or for the benefit of) a designated Beneficiary is distributed over the life of such Beneficiary (or over a period not extending beyond the life expectancy of the Beneficiary) and the distributions begin within 1 year of the Contract Owner’s death. If the Contract Owner’s designated Beneficiary is the surviving spouse of the Contract Owner, the Contract may be continued with the surviving spouse as the new Contract Owner;

• if the Contract Owner is a non-natural person, then the Annuitant will be treated as the Contract Owner for purposes of applying the distribution at death rules. In addition, a change in the Annuitant on a Contract owned by a non-natural person will be treated as the death of the Contract Owner.

Prior to a 2013 Supreme Court decision, and consistent with Section 3 of the federal Defense of Marriage Act (“DOMA”), same sex marriages under state law were not recognized as same sex marriages for purposes of federal law. However, in United States v. Windsor, the U.S. Supreme Court struck down Section 3 of DOMA as unconstitutional, thereby recognizing a valid same sex marriage for federal law purposes. On June 26, 2015, the Supreme Court ruled in Obergefell v. Hodges that same-sex couples have a constitutional right to marry, thus requiring all states to allow same-sex marriage. The Windsor and Obergefell decisions mean that the federal and state tax law provisions applicable to an opposite sex spouse will also apply to a same sex spouse. Please note that a civil union or registered domestic partnership is generally not recognized as a marriage.

Please consult with your tax or legal advisor before electing the Spousal Benefit for a civil union partner or domestic partner.

Taxation of Annuity Death Benefits. Death Benefit amounts are included in income as follows:

• if distributed in a lump sum, the amounts are taxed in the same manner as a total withdrawal, or

• if distributed under an Income Plan, the amounts are taxed in the same manner as annuity payments.

Medicare Tax on Net Investment Income The Patient Protection and Affordable Care Act, enacted in 2010, included a Medicare tax on investment income. This tax assesses a 3.8% surtax on the lesser of (1) net investment income or (2) the excess of “modified adjusted gross income” over a threshold amount. The “threshold amount” is $250,000 for married taxpayers filing jointly, $125,000 for married taxpayers filing separately, $200,000 for single taxpayers, and approximately $12,400 for trusts. The taxable portion of payments received as a withdrawal, surrender, annuity payment, death benefit payment or any other actual or deemed distribution under the contract will be considered investment income for purposes of this surtax.

Penalty Tax on Premature Distributions. A 10% penalty tax applies to the taxable amount of any premature distribution from a non-Qualified Contract. The penalty tax generally applies to any distribution made prior to the date you attain age 59¹/₂. However, no penalty tax is incurred on distributions:

• made on or after the date the Contract Owner attains age 59¹/₂,

• made as a result of the Contract Owner’s death or becoming totally disabled,

• made in substantially equal periodic payments (as defined by the Code) over the Contract Owner’s life or life expectancy, or over the joint lives or joint life expectancies of the Contract Owner and the Beneficiary,

• made under an immediate annuity and the annuity start date is no more than one year from the date of purchase (the first annuity payment must commence within 13 months of the date of purchase), or

• attributable to investment in the Contract before August 14, 1982.

You should consult a competent tax advisor to determine how these exceptions may apply to your situation.

Substantially Equal Periodic Payments. With respect to non-Qualified Contracts using substantially equal periodic payments or immediate annuity payments as an exception to the penalty tax on premature distributions, any additional withdrawal or other material modification of the payment stream would violate the requirement that payments must be substantially equal. Failure to meet this requirement would mean that the income portion of each payment received prior to the later of 5 years or the Contract Owner’s attaining age 59¹/₂ would be subject to a 10% penalty tax unless another exception to the penalty tax applied. The tax for the year of the modification is increased by the penalty tax that would have been imposed without the exception, plus interest for the years in which the exception was used. A material modification does not include permitted changes described in published IRS rulings. You should consult a competent tax advisor prior to creating or modifying a substantially equal periodic payment stream.

Tax Free Exchanges under Internal Revenue Code Section 1035. A 1035 exchange is a tax-free exchange of a non-Qualified life insurance contract, endowment contract or annuity contract into a non-Qualified annuity contract. The contract owner(s) must be the same on the old and new contract. Basis from the old contract carries over to the new contract so long as we receive that information from the relinquishing company. If basis information is never received, we will assume that all exchanged funds represent earnings and will allocate no cost basis to them. After you elect an Income Plan as described in the Income Payments section earlier in the prospectus, you are not eligible for a tax-free exchange under Section 1035.

Partial Exchanges. The IRS has issued rulings that permit partial exchanges of annuity contracts. Effective for exchanges on or after October 24, 2011, where there is a surrender or distribution from either the initial annuity contract or receiving annuity contract within 180 days of the date on which the partial exchange was completed, the IRS will apply general tax rules to determine the substance and treatment of the original transfer.

If a partial exchange is retroactively negated, the amount originally transferred to the recipient contract is treated as a withdrawal from the source contract, taxable to the extent of any gain in that contract on the date of the exchange. An additional 10% tax penalty may also apply if the Contract Owner is under age 59¹/₂. Your Contract may not permit partial exchanges.

Taxation of Ownership Changes. If you transfer a non-Qualified Contract without full and adequate consideration to a person other than your spouse (or to a former spouse incident to a divorce), you will be taxed on the difference between the Contract Value and the investment in the Contract at the time of transfer. Any assignment or pledge (or agreement to assign or pledge) of the Contract Value is taxed as a withdrawal of such amount or portion and may also incur the 10% penalty tax.

Aggregation of Annuity Contracts. The Code requires that all non-Qualified deferred annuity contracts issued by Allstate Life (or its affiliates) to the same Contract Owner during any calendar year be aggregated and treated as one annuity contract for purposes of determining the taxable amount of a distribution.

INCOME TAX WITHHOLDING

Generally, Allstate Life is required to withhold federal income tax at a rate of 10% from all non-annuitized distributions. The customer may elect out of withholding by completing and signing a withholding election form. If no election is made or no U.S. taxpayer identification number is provided we will automatically withhold the required 10% of the taxable amount. In certain states, if there is federal withholding, then state withholding is also mandatory.

Allstate Life is required to withhold federal income tax using the wage withholding rates for all annuitized distributions. The customer may elect out of withholding by completing and signing a withholding election form. If no election is made, we will automatically withhold using married with three exemptions as the default. If no U.S. taxpayer identification number is provided, we will automatically withhold using single with zero exemptions as the default. In certain states, if there is federal withholding, then state withholding is also mandatory.

Election out of withholding is valid only if the customer provides a U.S. residence address and taxpayer identification number.

Generally, Code Section 1441 provides that Allstate Life as a withholding agent must withhold 30% of the taxable amounts paid to a non-resident alien. A non-resident alien is someone other than a U.S. citizen or resident alien. We require an original IRS Form W-8BEN at issue to certify the owners’ foreign status. Withholding may be reduced or eliminated if covered by an income tax treaty between the U.S. and the non-resident alien’s country of residence if the payee provides a U.S. taxpayer identification number on a fully completed Form W-8BEN. A U.S. taxpayer identification number is a social security number or an individual taxpayer identification number (“ITIN”). ITINs are issued by the IRS to non-resident alien individuals who are not eligible to obtain a social security number. The U.S. does not have a tax treaty with all countries nor do all tax treaties provide an exclusion or lower withholding rate for annuities.

TAX QUALIFIED CONTRACTS

The income on tax sheltered annuity (TSA) and IRA investments is tax deferred, and the income from annuities held by such plans does not receive any additional tax deferral. You should review the annuity features, including all benefits and expenses, prior to purchasing an annuity as a TSA or IRA. Tax Qualified Contracts are contracts purchased as or in connection with:

• Individual Retirement Annuities (IRAs) under Code Section 408(b);

• Roth IRAs under Code Section 408A;

• Simplified Employee Pension (SEP IRA) under Code Section 408(k);

• Savings Incentive Match Plans for Employees (SIMPLE IRA) under Code Section 408(p);

• Tax Sheltered Annuities under Code Section 403(b);

• Corporate and Self Employed Pension and Profit Sharing Plans under Code Section 401; and

• State and Local Government and Tax-Exempt Organization Deferred Compensation Plans under Code Section 457.

Allstate Life reserves the right to limit the availability of the Contract for use with any of the retirement plans listed above or to modify the Contract to conform with tax requirements. If you use the Contract within an employer sponsored qualified retirement plan, the plan may impose different or additional conditions or limitations on withdrawals, waiver of charges, death benefits, Payout Start Dates, income payments, and other Contract features. In addition, adverse tax consequences may result if Qualified Plan limits on distributions and other conditions are not met. Please consult your Qualified Plan administrator for more information. Allstate Life no longer issues deferred annuities to employer sponsored qualified retirement plans.

The tax rules applicable to participants with tax qualified annuities vary according to the type of contract and the terms and conditions of the endorsement. Adverse tax consequences may result from certain transactions such as excess contributions, premature distributions, and, distributions that do not conform to specified commencement and minimum distribution rules. Allstate Life can issue an individual retirement annuity on a rollover or transfer of proceeds from a decedent’s IRA, TSA, or employer sponsored retirement plan under which the decedent’s surviving spouse is the beneficiary. Allstate Life does not offer an individual retirement annuity that can accept a transfer of funds for any other, non-spousal, beneficiary of a decedent’s IRA, TSA, or employer sponsored qualified retirement plan. Note that in 2014, the U.S. Supreme Court ruled that Inherited IRAs, other than IRAs inherited by the owner’s spouse, do not qualify as retirement assets for purposes of protection under the federal bankruptcy laws.

Please refer to your Endorsement for IRAs or 403(b) plans, if applicable, for additional information on your death settlement options. In the case of certain Qualified Plans, the terms of the Qualified Plan Endorsement and the plans may govern the right to benefits, regardless of the terms of the Contract.

Taxation of Withdrawals from an Individually Owned Tax Qualified Contract. If you make a partial withdrawal under a Tax Qualified Contract other than a Roth IRA, the portion of the payment that bears the same ratio to the total payment that the investment in the Contract (i.e., nondeductible IRA contributions) bears to the Contract Value, is excluded from your income. We do not keep track of nondeductible contributions, and generally all tax reporting of distributions from Tax Qualified Contracts other than Roth IRAs will indicate that the distribution is fully taxable.

“Qualified distributions” from Roth IRAs are not included in gross income. “Qualified distributions” are any distributions made more than five taxable years after the taxable year of the first contribution to any Roth IRA and which are:

• made on or after the date the Contract Owner attains age 59¹/₂,

• made to a beneficiary after the Contract Owner’s death,

• attributable to the Contract Owner being disabled, or

• made for a first time home purchase (first time home purchases are subject to a lifetime limit of $10,000).

“Nonqualified distributions” from Roth IRAs are treated as made from contributions first and are included in gross income only to the extent that distributions exceed contributions.

Required Minimum Distributions. Generally, Tax Qualified Contracts (excluding Roth IRAs) require minimum distributions upon reaching age 70¹/₂. Failure to withdraw the required minimum distribution will result in a 50% tax penalty on the shortfall not withdrawn from the Contract. Effective December 31, 2005, the IRS requires annuity contracts to include the actuarial present value of other benefits for purposes of calculating the required minimum distribution amount. These other benefits may include accumulation, income, or death benefits. Not all income plans offered under the Contract satisfy the requirements for minimum distributions. Because these distributions are required under the Code and the method of calculation is complex, please see a competent tax advisor.

The Death Benefit and Tax Qualified Contracts. Pursuant to the Code and IRS regulations, an IRA (e.g., traditional IRA, Roth IRA, SEP IRA and SIMPLE IRA) may not invest in life insurance contracts. However, an IRA may provide a death benefit that equals the greater of the purchase payments or the Contract Value. The Contract offers a death benefit that in certain circumstances may exceed the greater of the purchase payments or the Contract Value. We believe that the Death Benefits offered by your Contract do not constitute life insurance under these regulations.

It is also possible that certain death benefits that offer enhanced earnings could be characterized as an incidental death benefit. If the death benefit were so characterized, this could result in current taxable income to a Contract Owner. In addition, there are limitations on the amount of incidental death benefits that may be provided under Qualified Plans, such as in connection with a TSA or employer sponsored qualified retirement plan.

Allstate Life reserves the right to limit the availability of the Contract for use with any of the Qualified Plans listed above.

Penalty Tax on Premature Distributions from Tax Qualified Contracts. A 10% penalty tax applies to the taxable amount of any premature distribution from a Tax Qualified Contract. The penalty tax generally applies to any distribution made prior to the date you attain age 59¹/₂. However, no penalty tax is incurred on distributions:

• made on or after the date the Contract Owner attains age 59¹/₂,

• made as a result of the Contract Owner’s death or total disability,

• made after separation from service after age 55 (does not apply to IRAs),

• made pursuant to an IRS levy,

• made for certain medical expenses,

• made to pay for health insurance premiums while unemployed (applies only for IRAs),

• made for qualified higher education expenses (applies only for IRAs)

• made for a first time home purchase (up to a $10,000 lifetime limit and applies only for IRAs), and

• from an IRA or attributable to elective deferrals under a 401(k) plan, 403(b) annuity, or certain similar arrangements made to individuals who (because of their being members of a reserve component) are ordered or called to active duty after Sept. 11, 2001, for a period of more than 179 days or for an indefinite period; and made during the period beginning on the date of the order or call to duty and ending at the close of the active duty period.

During the first 2 years of the individual’s participation in a SIMPLE IRA, distributions that are otherwise subject to the premature distribution penalty, will be subject to a 25% penalty tax.

You should consult a competent tax advisor to determine how these exceptions may apply to your situation.

Substantially Equal Periodic Payments on Tax Qualified Contracts. With respect to Tax Qualified Contracts using substantially equal periodic payments as an exception to the penalty tax on premature distributions, any additional withdrawal or other material modification of the payment stream would violate the requirement that payments must be substantially equal. Failure to meet this requirement would mean that the income portion of each payment received prior to the later of 5 years or the taxpayer’s attaining age 59¹/₂ would be subject to a 10% penalty tax unless another exception to the penalty tax applied. The tax for the year of the modification is increased by the penalty tax that would have been imposed without the exception, plus interest for the years in which the exception was used. A material modification does not include permitted changes described in published IRS rulings. You should consult a competent tax advisor prior to creating or modifying a substantially equal periodic payment stream.

Income Tax Withholding on Tax Qualified Contracts. Generally, Allstate Life is required to withhold federal income tax at a rate of 10% from all non-annuitized distributions that are not considered “eligible rollover distributions.” The customer may elect out of withholding by completing and signing a withholding election form. If no election is made or if no U.S. taxpayer identification number is provided, we will automatically withhold the required 10% from the taxable amount. In certain states, if there is federal withholding, then state withholding is also mandatory. Allstate Life is required to withhold federal income tax at a rate of 20% on all “eligible rollover distributions” unless you elect to make a “direct rollover” of such amounts to an IRA or eligible retirement plan. Eligible rollover distributions generally include all distributions from Tax Qualified Contracts, including TSAs but excluding IRAs, with the exception of:

• required minimum distributions, or,

• a series of substantially equal periodic payments made over a period of at least 10 years, or,

• a series of substantially equal periodic payments made over the life (joint lives) of the participant (and beneficiary), or,

• hardship distributions.

With respect to any Contract held under a Section 457 plan or by the trustee of a Section 401 Pension or Profit Sharing Plan, we will not issue payments directly to a plan participant or beneficiary. Consequently, the obligation to comply with the withholding requirements described above will be the responsibility of the plan.

For all annuitized distributions that are not subject to the 20% withholding requirement, Allstate Life is required to withhold federal income tax using the wage withholding rates. The customer may elect out of withholding by completing and signing a withholding election form. If no election is made, we will automatically withhold using married with three exemptions as the default. If no U.S. taxpayer identification number is provided, we will automatically withhold using single with zero exemptions as the default. In certain states, if there is federal withholding, then state withholding is also mandatory.

Election out of withholding is valid only if the customer provides a U.S. residence address and taxpayer identification number.

Charitable IRA Distributions. Certain qualified IRA distributions for charitable purposes are eligible for an exclusion from gross income, up to $100,000 for otherwise taxable IRA distributions from a traditional or Roth IRA. A qualified charitable distribution is a distribution that is made (1) directly by the IRA trustee to certain qualified charitable organizations and (2) on or after the date the IRA owner attains age 70¹/₂. Distributions that are excluded from income under this provision are not taken into account in determining the individual’s deductions, if any, for charitable contributions.

The IRS has indicated that an IRA trustee is not responsible for determining whether a distribution to a charity is one that satisfies the requirements of the charitable giving incentive. Consistent with the applicable IRS instructions, we report these distributions as normal IRA distributions on Form 1099-R. Individuals are responsible for reflecting the distributions as charitable IRA distributions on their personal tax returns.

Individual Retirement Annuities. Code Section 408(b) permits eligible individuals to contribute to an individual retirement program known as an Individual Retirement Annuity (IRA). Individual Retirement Annuities are subject to limitations on the amount that can be contributed and on the time when distributions may commence. Certain distributions from other types of qualified retirement plans may be “rolled over” on a tax-deferred basis into an Individual Retirement Annuity. For IRA rollovers, an individual can only make an IRA to IRA rollover if the individual has not made a rollover involving any IRAs owned by the individual in the prior 12 months. An IRA transfer is a tax-free trustee-to-trustee “transfer” from one IRA account to another. IRA transfers are not subject to this 12 month rule.

Roth Individual Retirement Annuities. Code Section 408A permits eligible individuals to make nondeductible contributions to an individual retirement program known as a Roth Individual Retirement Annuity. Roth Individual Retirement Annuities are subject to limitations on the amount that can be contributed and on the time when distributions may commence.

A traditional Individual Retirement Account or Annuity may be converted or “rolled over” to a Roth Individual Retirement Annuity. For distributions after 2007, the Pension Protection Act of 2006 allows distributions from qualified retirement plans including tax sheltered annuities and governmental Section 457 plans to be rolled over directly into a Roth IRA, subject to the usual rules that apply to conversions from a traditional IRA into a Roth IRA. The income portion of a conversion or rollover distribution is taxable currently, but is exempted from the 10% penalty tax on premature distributions. Prior to January 1, 2010, income and filing status limitations applied to rollovers from non-Roth accounts to a Roth IRA. Effective January 1, 2005, the IRS requires conversions of annuity contracts to include the actuarial present value of other benefits for purposes of valuing the taxable amount of the conversion.

Annuities Held By Individual Retirement Accounts (commonly known as Custodial IRAs). Code Section 408 permits a custodian or trustee of an Individual Retirement Account to purchase an annuity as an investment of the Individual Retirement Account. If an annuity is purchased inside of an Individual Retirement Account, then the Annuitant must be the same person as the beneficial owner of the Individual Retirement Account.

If you have a contract issued as an IRA under Code Section 408(b) and request to change the ownership to an IRA custodian permitted under Section 408, we will treat a request to change ownership from an individual to a custodian as an indirect rollover. We will send a Form 1099R to report the distribution and the custodian should issue a Form 5498 for the contract value contribution.

Generally, the death benefit of an annuity held in an Individual Retirement Account must be paid upon the death of the Annuitant. However, in most states, the Contract permits the custodian or trustee of the Individual Retirement Account to continue the Contract in the accumulation phase, with the Annuitant’s surviving spouse as the new Annuitant, if the following conditions are met:

1) The custodian or trustee of the Individual Retirement Account is the owner of the annuity and has the right to the death proceeds otherwise payable under the Contract;

2) The deceased Annuitant was the beneficial owner of the Individual Retirement Account;

3) We receive a complete request for settlement for the death of the Annuitant; and

4) The custodian or trustee of the Individual Retirement Account provides us with a signed certification of the following:

(a) The Annuitant’s surviving spouse is the sole beneficiary of the Individual Retirement Account;

(b) The Annuitant’s surviving spouse has elected to continue the Individual Retirement Account as his or her own Individual Retirement Account; and

(c) The custodian or trustee of the Individual Retirement Account has continued the Individual Retirement Account pursuant to the surviving spouse’s election.

Simplified Employee Pension IRA (SEP IRA). Code Section 408(k) allows eligible employers to establish simplified employee pension plans for their employees using individual retirement annuities. These employers may, within specified limits, make deductible contributions on behalf of the employees to the individual retirement annuities. Employers intending to use the Contract in connection with such plans should seek competent tax advice.

Savings Incentive Match Plans for Employees (SIMPLE IRA). Code Section 408(p) allows eligible employers with 100 or fewer employees to establish SIMPLE retirement plans for their employees using individual retirement annuities. In general, a SIMPLE IRA consists of a salary deferral program for eligible employees and matching or nonelective contributions made by employers. Employers intending to purchase the Contract as a SIMPLE IRA should seek competent tax and legal advice. SIMPLE IRA plans must include the provisions of the Economic Growth and Tax Relief Reconciliation Act of 2007 (EGTRRA) to avoid adverse tax consequences. If your current SIMPLE IRA plan uses IRS Model Form 5304-SIMPLE with a revision date of March 2012 or later, then your plan is up to date. If your plan has a revision date prior to March 2012, please consult with your tax or legal advisor to determine the action you need to take in order to comply with this requirement.

To determine if you are eligible to contribute to any of the above listed IRAs (traditional, Roth, SEP, or SIMPLE), please refer to IRS Publication 590 and your competent tax advisor.

Tax Sheltered Annuities. Code Section 403(b) provides tax-deferred retirement savings plans for employees of certain non-profit and educational organizations. Under Section 403(b), any contract used for a 403(b) plan must provide that distributions attributable to salary reduction contributions made after 12/31/88, and all earnings on salary reduction contributions, may be made only on or after the date the employee:

• attains age 59¹/₂,

• severs employment,

• dies,

• becomes disabled, or

• incurs a hardship (earnings on salary reduction contributions may not be distributed on account of hardship).

These limitations do not apply to withdrawals where Allstate Life is directed to transfer some or all of the Contract Value to another 403(b) plan. Generally, we do not accept funds in 403(b) contracts that are subject to the Employee Retirement Income Security Act of 1974 (ERISA).

Caution: Under IRS regulations we can accept contributions, transfers and rollovers only if we have entered into an information-sharing agreement, or its functional equivalent, with the applicable employer or its plan administrator. Unless your contract is grandfathered from certain provisions in these regulations, we will only process certain transactions (e.g, transfers, withdrawals, hardship distributions and, if applicable, loans) with employer approval. This means that if you request one of these transactions we will not consider your request to be in good order, and will not therefore process the transaction, until we receive the employer’s approval in written or electronic form.

Corporate and Self-Employed Pension and Profit Sharing Plans.

Section 401(a) of the Code permits corporate employers to establish various types of tax favored retirement plans for employees. Self-employed individuals may establish tax favored retirement plans for themselves and their employees (commonly referred to as “H.R.10” or “Keogh”). Such retirement plans may permit the purchase of annuity contracts. Allstate Life no longer issues annuity contracts to employer sponsored qualified retirement plans.

There are two owner types for contracts intended to qualify under Section 401(a): a qualified plan fiduciary or an annuitant owner.

• A qualified plan fiduciary exists when a qualified plan trust that is intended to qualify under Section 401(a) of the Code is the owner. The qualified plan trust must have its own tax identification number and a named trustee acting as a fiduciary on behalf of the plan. The annuitant should be the person for whose benefit the contract was purchased.

• An annuitant owner exists when the tax identification number of the owner and annuitant are the same, or the annuity contract is not owned by a qualified plan trust. The annuitant should be the person for whose benefit the contract was purchased.

If a qualified plan fiduciary is the owner of the contract, the qualified plan must be the beneficiary so that death benefits from the annuity are distributed in accordance with the terms of the qualified plan. Annuitant owned contracts require that the beneficiary be the annuitant’s spouse (if applicable), which is consistent with the required IRS language for qualified plans under Section 401(a). A completed Annuitant Owned Qualified Plan Designation of Beneficiary form is required in order to change the beneficiary of an annuitant owned Qualified Plan contract.

State and Local Government and Tax-Exempt Organization Deferred Compensation Plans. Section 457 of the Code permits employees of state and local governments and tax-exempt organizations to defer a portion of their compensation without paying current taxes. The employees must be participants in an eligible deferred compensation plan. In eligible governmental plans, all assets and income must be held in a trust/ custodial account/annuity contract for the exclusive benefit of the participants and their beneficiaries. To the extent the Contracts are used in connection with a non-governmental eligible plan, employees are considered general creditors of the employer and the employer as owner of the Contract has the sole right to the proceeds of the Contract. Under eligible 457 plans, contributions made for the benefit of the employees will not be includible in the employees’ gross income until distributed from the plan. Allstate Life no longer issues annuity contracts to 457 plans.

Annual Reports and Other Documents

Allstate Life’s Annual Report on Form 10-K for the year ended December 31, 2015, is incorporated herein by reference, which means that it is legally a part of this prospectus.

All other reports filed with the SEC under the Exchange Act since the Form 10-K Annual Report, including filings made on Form 10-Q and Form 8-K, and all documents or reports we file with the SEC under the Exchange Act after the date of this prospectus and before we terminate the offering of the securities under this prospectus are also incorporated herein by reference, which means that they are legally a part of this prospectus.

Statements in this prospectus, or in documents that we file later with the SEC and that legally become a part of this prospectus, may change or supersede statements in other documents that are legally part of this prospectus. Accordingly, only the statement that is changed or replaced will legally be a part of this prospectus.

We file our Exchange Act documents and reports, including our annual report on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, electronically on the SEC’s “EDGAR” system using the identifying number CIK No. 0000352736. The SEC maintains a Web site that contains reports, proxy and information statements and other information regarding registrants that file electronically with the SEC. The address of the site is http://www.sec.gov. You also can view these materials at the SEC’s Public Reference Room at 100 F Street NE, Room 1580, Washington, DC 20549-2001. For more information on the operations of SEC’s Public Reference Room, call 1-202-551-8090.

If you have received a copy of this prospectus, and would like a free copy of any document incorporated herein by reference (other than exhibits not specifically incorporated by reference into the text of such documents), please write or call us at P.O. Box 758565, Topeka, KS 66675-8565 or 1-800-457-7617.

Statement of Additional Information Table of Contents



Additions, Deletions, or Substitutions of Investments	2
The Contracts	2
Calculation of Accumulation Unit Values	5
Calculation of Variable Income Payments	6


General Matters	7
Experts	8
Financial Statements	8
Appendix A

THIS PROSPECTUS DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH SUCH OFFERING MAY NOT LAWFULLY BE MADE. WE DO NOT AUTHORIZE ANYONE TO PROVIDE ANY INFORMATION OR REPRESENTATIONS REGARDING THE OFFERING DESCRIBED IN THIS PROSPECTUS OTHER THAN AS CONTAINED IN THIS PROSPECTUS.

Appendix A

Allstate Advisor Contract Comparison Chart



Feature	Advisor	Advisor Plus	Advisor Preferred
			5-year Withdrawal Charge Option	3-year Withdrawal Charge Option	No Withdrawal Charge Option
Credit Enhancement	None	up to 5% depending on issue age and amount of purchase payments	None	None	None
Mortality and Expense Risk Charge (Base Contract)	1.10%	1.40%	1.40%	1.50%	1.60%
Withdrawal Charge (% of purchase payment)	7/ 7/ 6/ 5/ 4/ 3/ 2	8.5/ 8.5/ 8.5/ 7.5/ 6.5/ 5.5/ 4/2.5	7/ 6/ 5/ 4/ 3	7/ 6/ 5	None
Withdrawal Charge Waivers	Confinement, Terminal Illness, Unemployment	Confinement, Terminal Illness, Unemployment	Confinement, Terminal Illness, Unemployment	Confinement, Terminal Illness, Unemployment	N/A

The Fixed Account Options available depend on the type of Contract you have purchased and the state in which your Contract was issued. The following tables summarize the availability of the Fixed Account Options in general. Please check with your representative for specific details for your state.



DCA Fixed Account Option
	Advisor	Advisor Plus	Advisor Preferred
			5-Year Withdrawal Charge Option	3-Year Withdrawal Charge Option	No Withdrawal Charge Option
Transfer Periods	3 to 6-month	3 to 6-month	3 to 6-month	3 to 6-month	N/A
Transfer Periods	7 to 12-month	7 to 12-month	7 to 12-month	7 to 12-month	N/A



Standard Fixed Account Option (some options not available in all states)
	Advisor	AdvisorPlus	Advisor Preferred
			5-Year Withdrawal Charge Option	3-Year Withdrawal Charge Option	No Withdrawal Charge Option
Guarantee Periods	1-year	N/A	N/A	N/A	N/A
	3-year*	N/A	N/A	N/A	N/A
	5-year*	N/A	N/A	N/A	N/A
	7-year*	N/A	N/A	N/A	N/A

* Available only in states in which the MVA Fixed Account Option is not offered.



MVA Fixed Account Option (not available in all states)**
	Advisor	Advisor Plus	Advisor Preferred
			5-Year Withdrawal Charge Option	3-Year Withdrawal Charge Option	No Withdrawal Charge Option
Guarantee Periods	3-year	3-year	3-year	3-year	3-year
	5-year	5-year	5-year	5-year	5-year
	7-year	7-year	7-year	7-year	7-year
	10-year	10-year	10-year	10-year	10-year

** Not available in states in which the 3-, 5-, or 7-year Standard Fixed Account Options are offered.

A-1

Appendix B

Market Value Adjustment

The Market Value Adjustment is based on the following:




I	=	the Treasury Rate for a maturity equal to the term length of the Guarantee Period Account for the week preceding the establishment of the Market Value Adjusted Fixed Guarantee Period Account;

J	=	the Treasury Rate for a maturity equal to the term length of the Market Value Adjusted Fixed Guarantee Period Account for the week preceding the date amounts are transferred or withdrawn from the Market Value Adjusted Fixed Guarantee Period Account, the date we determine the Death Proceeds, or the Payout Start Date, as the case may be (“Market Value Adjustment Date”).

N	=	the number of whole and partial years from the Market Value Adjustment Date to the expiration of the term length of the Market Value Adjusted Fixed Guarantee Period Account.

Treasury Rate means the U.S. Treasury Note Constant Maturity yield as reported in Federal Reserve Board Statistical Release H.15. If such yields cease to be available in Federal Reserve Board Statistical Release H.15, then we will use an alternate source for such information in our discretion.

The Market Value Adjustment factor is determined from the following formula:

.9 × [I-(J + .0025)] × N

The denominator of the MVA formula includes a factor, currently equal to 0.0025 or 25 basis points. The factor is an adjustment that is applied when an MVA is assessed (regardless of whether the MVA is positive or negative) and, relative to when no factor is applied, will reduce the amount being surrendered or transferred from the MVA Fixed Guarantee Period Account.

To determine the Market Value Adjustment, we will multiply the Market Value Adjustment factor by the amount transferred, withdrawn, paid as Death Proceeds, or applied to an Income Plan from a Market Value Adjusted Fixed Guarantee Period Account at any time other than during the 30 day period after such Guarantee Period Account expires. NOTE: These examples assume that premium taxes are not applicable.



Examples Of Market Value Adjustment
Purchase Payment:	$10,000 allocated to a Market Value Adjusted Fixed Guarantee Period Account
Guarantee Period:	5 years
Interest Rate:	4.50%
Full Withdrawal:	End of Contract Year 3
Contract:	Allstate Advisor*



Example 1: (Assumes Declining Interest Rates)
Step 1:	Calculate Contract Value at End of Contract Year 3:	=	$10,000.00 × (1.045)³ = $11,411.66
Step 2:	Calculate the Free Withdrawal Amount:	=	.15 × $10,000 = $1500
Step 3:	Calculate the Withdrawal Charge:	=	.06 × ($10,000 – $1,500) = $510
Step 4:	Calculate the Market Value Adjustment:	I	=	4.50%
		J	=	4.20%
				730 DAYS
		N	=		= 2
				365 DAYS
		Market Value Adjustment Factor: .9 × [I – (J + .0025)] × N
		=	.9 × [.045 - (.042 + .0025)] × 2 = .0009
		Market Value Adjustment = Market Value Adjustment Factor × Amount Subject To Market Value Adjustment
		=	.0009 × $11,411.66 = $10.27
Step 5:	Calculate the amount received by Contract owner as a result of full withdrawal at the end of Contract Year 3:	=	$11,411.66 - $510 + $10.27 = $10,911.93



Example 2: (Assumes Rising Interest Rates)
Step 1:	Calculate Contract Value at End of Contract Year 3:	=	$10,000.00 × (1.045)³ = $11,411.66
Step 2:	Calculate the Free Withdrawal Amount:	=	.15 × $10,000 = $1500
Step 3:	Calculate the Withdrawal Charge:	=	.06 × ($10,000 – $1,500) = $510
Step 4:	Calculate the Market Value Adjustment:	I	=	4.50%
		J	=	4.80%
				730 DAYS
		N	=		= 2
				365 DAYS
		Market Value Adjustment Factor: .9 × [I – (J + .0025)] × N
		=	.9 × [(.045 - (.048 + .0025)] × (2) = –.0099
		Market Value Adjustment = Market Value Adjustment Factor × Amount Subject To Market Value Adjustment:
		=	–.0099 × $11,411.66 = –($112.98)
Step 5:	Calculate the amount received by Contract owner as a result of full withdrawal at the end of Contract Year 3:	=	$11,411.66 - $510 – $112.98 = $10,788.68

* These examples assume the election of the Allstate Advisor Contract for the purpose of illustrating the Market Value Adjustment calculation. The amounts would be different under Allstate Advisor Plus and Allstate Advisor Preferred Contracts, which have different expenses and withdrawal charges.

B-1

Appendix C

Example of Calculation of Income Protection Benefit

Appendix C illustrates how we calculate the amount guaranteed under the Income Protection Benefit Option. Please remember that you are looking at an example only. Please also remember that the Income Protection Benefit Option may only be added to Income Plans 1 and/or 2, and only to those Income Plans for which you have selected variable income payments.

To illustrate the calculation of the amount guaranteed under the Income Protection Benefit Option, we assume the following:



Adjusted age of Annuitant on the Payout Start Date:	65
Sex of Annuitant:	male
Income Plan selected:	1
Payment frequency:	monthly
Amount applied to variable income payments under the Income Plan:	$100,000.00

The example assumes that the withdrawal charge period has expired for all purchase payments. In accordance with the terms of the Contract, the following additional assumptions apply:



Assumed investment rate:	3%
Guaranteed minimum variable income payment:	85% of the initial variable amount income value

Step 1 – Calculation of the initial variable amount income value:

Using the assumptions stated above, the initial monthly income payment is $5.49 per $1,000 applied to variable income payments under Income Plan 1. Therefore, the initial variable amount income value = $100,000 × $5.49/1000 = $549.00.

Step 2 – Calculation of the amount guaranteed under the Income Protection Benefit Option:

guaranteed minimum variable income payment = 85% × initial variable amount income value = 85% × $549.00 = $466.65.

Step 3 – Illustration of the effect of the minimum payment guarantee under the Income Protection Benefit Option:

If in any month your variable income payments would fall below the amount guaranteed under the Income Protection Benefit Option, your payment for that month will equal the guaranteed minimum variable income payment. For example, you would receive $466.65 even if the amount of your monthly income payment would have been less than that as a result of declining investment experience. On the other hand, if your monthly income payment is greater than the minimum guaranteed $466.65, you would receive the greater amount.

C-1

Appendix D

Withdrawal Adjustment Example – Income Benefits*

Issue Date: January 1, 2003

Initial Purchase Payment: $50,000 (For Allstate Advisor Plus Contracts, assume a $2,000 Credit Enhancement would apply assuming issue age 85 or younger (a $1,000 Credit Enhancement would apply assuming issue age 86-90))



					Income Benefit Amount
						5% Roll-Up Value**
Date	Type of Occurrence	Beginning Contract Value	Transaction Amount	Contract Value After Occurrence	Maximum Anniversary Value	Advisor and Preferred	Plus
1/1/04	Contract Anniversary	$ 55,000	_	$ 55,000	$ 55,000	$ 52,500	$ 54,600
7/1/04	Partial Withdrawal	$ 60,000	$ 15,000	$ 45,000	$ 41,250	$ 40,176	$ 41,859

The following shows how we compute the adjusted income benefits in the example above. Please note that the withdrawal adjustment reduces the Maximum Anniversary Value by the same proportion as the withdrawal reduces the Contract Value. The withdrawal adjustment reduces the 5% Roll-Up Value part dollar-for-dollar and part proportionally.



		Advisor and Preferred	Plus
Maximum Anniversary Value Income Benefit
Partial Withdrawal Amount	(a)	$15,000	$15,000
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Income Benefit Amount Immediately Prior to Partial Withdrawal	(c)	$55,000	$55,000
Withdrawal Adjustment	[(a)/(b)]*(c)	$13,750	$13,750
Adjusted Income Benefit		$41,250	$41,250

5 % Roll-Up Value Income Benefit**
Total Partial Withdrawal Amount	(a)	$15,000	$15,000
STEP I – Dollar For Dollar Portion
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Income Benefit Amount Immediately Prior to Partial Withdrawal (assumes 181 days worth of interest on $52,500 and $54,600, respectively)	(c)	$53,786	$55,937
Partial Withdrawal Amount (Corridor = 5% of Roll-Up Value on 1/1/04)	(d)	$2,625	$2,730
Dollar for Dollar Withdrawal Adjustment (discounted for a half year’s worth of interest)	(e)=(d) * 1.05^ -0.5	$2,562	$2,664
Contract Value After Step 1	(b’)=(b) - (d)	$57,375	$57,270
Adjusted Income Benefit After Step 1	(c’)=(c) - (e)	$51,224	$53,273
STEP 2 – Proportional Portion
Partial Withdrawal Amount	(a’)=(a) - (d)	$12,375	$12,270
Proportional Adjustment	(a’)/(b’)*(c’)	$11,048	$11,414
Contract Value After Step 2	(b’) - (a’)	$45,000	$45,000
Adjusted Income Benefit After Step 2		$40,176	$41,859

* For purpose of illustrating the withdrawal adjustment calculation, the example assumes the same hypothetical Contract Values and Maximum Anniversary Value for all Contracts, net of applicable fees and charges. Actual income benefit amounts will differ due to the different fees and charges under each Contract and the Credit Enhancement available under the Allstate Advisor Plus Contract. Please remember that you are looking at an example and that your investment performance may be greater or lower than the figures shown.

** In certain states, the Roll-Up Value Income Benefit accumulates interest on a daily basis at a rate equivalent to 3% per year rather than 5%. If calculations assumed an interest rate of 3% per year, the adjusted income benefit would be lower.

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Appendix E

Withdrawal Adjustment Example – Death Benefits*

Issue Date: January 1, 2005



					Death Benefit Amount
					Purchase Payment Value			Enhanced Beneficiary Value**
Date	Type of Occurrence	Beginning Contract Value	Transaction Amount	Contract Value After Occurrence	Advisor and Preferred	Plus	Maximum Anniversary Value	Advisor and Preferred	Plus
1/1/06	Contract Anniversary	$ 55,000	_	$ 55,000	$ 50,000	$ 52,000	$ 55,000	$ 52,500	$ 54,600
7/1/06	Partial Withdrawal	$ 60,000	$ 15,000	$ 45,000	$ 37,500	$ 39,000	$ 41,250	$ 40,339	$ 41,953

The following shows how we compute the adjusted death benefits in the example above. Please note that the withdrawal reduces the Purchase Payment Value, the Maximum Anniversary Value, and the Enhanced Beneficiary Value by the same proportion as the withdrawal reduces the Contract Value.



		Advisor and Preferred	Plus
Purchase Payment Value Death Benefit
Partial Withdrawal Amount	(a)	$15,000	$15,000
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Death Benefit Amount Immediately Prior to Partial Withdrawal	(c)	$50,000	$52,000
Withdrawal Adjustment	[(a)/(b)]*(c)	$12,500	$13,000
Adjusted Death Benefit		$37,500	$39,000

MAV Death Benefit
Partial Withdrawal Amount	(a)	$15,000	$15,000
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Death Benefit Amount Immediately Prior to Partial Withdrawal	(c)	$55,000	$55,000
Withdrawal Adjustment	[(a)/(b)]*(c)	$13,750	$13,750
Adjusted Death Benefit		$41,250	$41,250

Enhanced Beneficiary Protection (Annual Increase) Benefit**
Partial Withdrawal Amount	(a)	$15,000	$15,000
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Death Benefit Amount Immediately Prior to Partial Withdrawal (assumes 181 days worth of interest on $52,500 and $54,600, respectively)	(c)	$53,786	$55,937
Withdrawal Adjustment	[(a)/(b)]*(c)	$13,446	$13,984
Adjusted Death Benefit		$40,339	$41,953

* For purpose of illustrating the withdrawal adjustment calculation, the example assumes the same hypothetical Contract Values and Maximum Anniversary Value for all Contracts, net of applicable fees and charges. Actual death benefit amounts will differ due to the different fees and charges under each Contract and the Credit Enhancement available under the Allstate Advisor Plus Contract. Please remember that you are looking at an example and that your investment performance may be greater or lower than the figures shown.

** Calculations for the Enhanced Beneficiary Protection (Annual Increase) Benefit assume that interest accumulates on a daily basis at a rate equivalent to 5% per year. In certain states, the Benefit provides for interest that accumulates at a rate of 3% per year. If calculations assumed an interest rate of 3% per year, the adjusted death benefit would be lower.

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Appendix F

Calculation of Earnings Protection Death Benefit*

The following are examples of the Earnings Protection Death Benefit Option. For illustrative purposes, the examples assume Earnings in each case. Please remember that you are looking at examples and that your investment performance may be greater or lower than the figures shown.

Example 1: Elected When Contract Was Issued Without Any Subsequent Additions or Withdrawals

In this example, assume that the oldest Contract Owner is age 55 on the Rider Application Date and elects the Earnings Protection Death Benefit Option when the Contract is issued. The Contract Owner makes an initial purchase payment of $100,000. After four years, the Contract Owner dies. On the date Allstate Life receives a Complete Request for Settlement, the Contract Value is $125,000. Prior to his death, the Contract Owner did not make any additional purchase payments or take any withdrawals.



Excess of Earnings Withdrawals	=	$0
Purchase Payments in the 12 months prior to death	=	$0
In-Force Premium	=	$100,000 ($100,000+ $0-$0)
In-Force Earnings	=	$25,000 ($125,000-$100,000)
Earnings Protection Death Benefit**	=	40% * $25,000 = $10,000

Since In-Force Earnings are less than 100% of the In-Force Premium (excluding purchase payments and Credit Enhancements for Allstate Advisor Plus Contracts in the 12 months prior to death), the In-Force Earnings are used to compute the Earnings Protection Death Benefit amount.

* For purposes of illustrating the calculation of Earnings Protection Death Benefit Option, the example assumes the same hypothetical Contract Values for all Contracts, net of applicable fees and charges. Actual death benefit amounts will differ due to the different fees and charges under each Contract and the Credit Enhancement available under the Allstate Advisor Plus Contract.

** If the oldest Contract Owner or Annuitant had been over age 70, and both were age 79 or younger on the Rider Application Date, the Earnings Protection Death Benefit would be 25% of the In-Force Earnings ($6,250.00).

Example 2: Elected When Contract Was Issued With Subsequent Withdrawals

In this example, assume the same facts as above, except that the Contract Owner has taken a withdrawal of $10,000 during the second year of the Contract. Immediately prior to the withdrawal, the Contract Value is $105,000. Here, $5,000 of the withdrawal is in excess of the In-Force Earnings at the time of the withdrawal. The Contract Value on the date Allstate Life receives a Complete Request for Settlement will be assumed to be $114,000.



Excess of Earnings Withdrawals	=	$5,000 ($10,000-$5,000)
Purchase Payments in the 12 months prior to death	=	$0
In-Force Premium	=	$95,000 ($100,000+$0-$5,000)
In-Force Earnings	=	$19,000 ($114,000-$95,000)
Earnings Protection Death Benefit**	=	40%*$19,000=$7,600

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Example 3: Elected After Contract Was Issued With Subsequent Additions and Withdrawals

This example is intended to illustrate the effect of adding the Earnings Protection Death Benefit Option after the Contract has been issued and the effect of later purchase payments. In this example, assume that the oldest Contract Owner is age 72 on the Rider Application Date. At the time the Contract is issued, the Contract Owner makes a purchase payment of $100,000. After two years pass, the Contract Owner elects to add the Earnings Protection Death Benefit Option. On the date this Rider is added, the Contract Value is $110,000. Two years later, the Contract Owner withdraws $50,000. Immediately prior to the withdrawal, the Contract Value is $130,000. Another two years later, the Contract Owner makes an additional purchase payment of $40,000. Immediately after the additional purchase payment, the Contract Value is $130,000. Two years later, the Contract Owner dies with a Contract Value of $140,000 on the date Allstate Life receives a Complete Request for Settlement.



Excess of Earnings Withdrawals	=	$30,000 ($50,000-$20,000)
Purchase Payments in the 12 months prior to death	=	$0
In-Force Premium	=	$120,000 ($110,000+$40,000-$30,000)
In-Force Earnings	=	$20,000 ($140,000-$120,000)
Earnings Protection Death Benefit**	=	25%*$20,000=$5,000

In this example, In-Force Premium is equal to the Contract Value on Rider Application Date plus the additional purchase payment and minus the Excess-of-Earnings Withdrawal.

Since In-Force Earnings are less than 50% of the In-Force Premium (excluding purchase payments and Credit Enhancements for Allstate Advisor Plus Contracts in the 12 months prior to death ), the In-Force Earnings are used to compute the Earnings Protection Death Benefit amount.

** If the oldest Contract Owner or Annuitant had been age 70 or younger on the Rider Application Date, the Earnings Protection Death Benefit would be 40% of the In-Force Earnings ($8,000.00) and Credit Enhancement for Allstate Advisor Plus Contract.

Example 4: Spousal Continuation

This example is intended to illustrate the effect of a surviving spouse electing to continue the Contract upon the death of the Contract Owner on a Contract with the Earnings Protection Death Benefit Option. In this example, assume that the oldest Contract Owner is age 60 at the time the Contract is purchased (with the Earnings Protection Death Benefit Option and MAV Death Benefit Option) with a $100,000 purchase payment. Five years later the Contract Owner dies and the surviving spouse elects to continue the Contract. The Contract Value and Maximum Anniversary Value at this time are $150,000 and $160,000, respectively.



Excess of Earnings Withdrawals	=	$0
Purchase Payments in the 12 months prior to death	=	$0
In-Force Premium	=	$100,000 ($100,000+$0-$0)
In-Force Earnings	=	$50,000 ($150,000-$100,000)
Earnings Protection Death Benefit**	=	40%*$50,000=$20,000
Contract Value	=	$150,000
Death Benefit	=	$160,000
Earnings Protection Death Benefit	=	$20,000
Continuing Contract Value	=	$180,000 ($160,000+$20,000)

Assume the surviving spouse is age 72 when the Contract is continued. At this time, the surviving spouse has the option to continue the Earnings Protection Death Benefit Option at an additional mortality and expense risk charge of 0.40% and with an In-Force Premium amount equal to the Contract Value and the Rider Date reset to the date the Contract is continued. If this selection is made, the Earnings Protection Death Benefit will be equal to the lesser of 25% of the In-Force Earnings and 50% of In-Force Premium. Otherwise, the surviving spouse may elect to terminate the Earnings Protection Death Benefit Option at the time of continuation.

* For purposes of illustrating the calculation of Earnings Protection Death Benefit Option, the example assumes the same hypothetical Contract Values and Maximum Anniversary Values for all Contracts, net of applicable fees and charges. Actual death benefit amounts will differ due to the different fees and charges under each Contract and the Credit Enhancement available under the Allstate Advisor Plus Contract.

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Appendix G

Withdrawal Adjustment Example – TrueReturn Accumulation Benefit*

Issue Date: January 2, 2005

Initial Benefit Base: $50,000 for Allstate Advisor and Allstate Advisor Preferred Contracts, $52,000 for Allstate Advisor Plus Contracts (assuming issue age 85 or younger)



					Benefit Base
					Purchase Payment Value
Date	Type of Occurrence	Beginning Contract Value	Transaction Amount	Contract Value After Occurrence	Advisor and Preferred	Plus
1/2/06	Contract Anniversary	$55,000	_	$55,000	$50,000	$52,000
7/2/06	Partial Withdrawal	$60,000	$15,000	$45,000	$37,500	$39,000

The following shows how we compute the adjusted Benefit Bases in the example above. Please note that the withdrawal reduces the Benefit Base by the same proportion as the withdrawal reduces the Contract Value.



		Advisor and Preferred	Plus
Benefit Base
Partial Withdrawal Amount	(a)	$15,000	$15,000
Contract Value Immediately Prior to Partial Withdrawal	(b)	$60,000	$60,000
Value of Benefit Base Immediately Prior to Partial Withdrawal	(c)	$50,000	$52,000
Withdrawal Adjustment	[(a)/(b)]*(c)	$12,500	$13,000
Adjusted Benefit Base		$37,500	$39,000

* For purpose of illustrating the withdrawal adjustment calculation, the example assumes the same hypothetical Contract Values, net of applicable fees and charges for all Contracts. Actual Contract Values will differ due to the different fees and charges under each Contract and the Credit Enhancement available under the Allstate Advisor Plus Contract. Please remember that you are looking at an example and that your investment performance may be greater or lower than the figures shown.

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Appendix H – SureIncome Withdrawal Benefit Option Calculation Examples

Example 1: Assume you purchase an Allstate Advisor contract with a $100,000 initial purchase payment and add the SureIncome Option at issue.

Your Benefit Base is $100,000, which is your initial purchase payment of $100,000.

Your Benefit Payment is $8,000, which is 8% of your initial purchase payment.

Your Benefit Payment Remaining for this Benefit Year is $8,000, which is equal to your Benefit Payment at the beginning of this Benefit Year.

Example 2: Assume Example 1 is continued and an additional purchase payment of $40,000 is made in the first Benefit Year.

The Benefit Base is increased to $140,000, which is your prior Benefit Base ($100,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $11,200, which is your prior Benefit Payment ($8,000) plus 8% of your additional purchase payment ($40,000).

The Benefit Payment Remaining is increased to $11,200, which is your Benefit Payment Remaining prior to your additional purchase payment ($8,000) plus 8% of your additional purchase payment ($40,000).

Example 3: Assume Example 1 is continued and a withdrawal of $8,000 is made during the first Benefit Year.

The Benefit Base is reduced to $92,000, which is your prior Benefit Base ($100,000) less your withdrawal ($8,000).

The Benefit Payment is unchanged and remains $8,000.

The Benefit Payment Remaining in the first Benefit Year is $0, which is your Benefit Payment Remaining prior to your withdrawal ($8,000) less your withdrawal ($8,000).

Example 4: Assume example 1 is continued and a withdrawal of $25,000 is made during the first Benefit Year. Assume the Contract Value prior to the withdrawal was $130,000. Because the $25,000 withdrawal is larger than the Benefit Payment Remaining, the Benefit Base and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The Benefit Payment remains $8,000, determined by the following calculation: the lesser of ($8,000) and (8% × ($130,000 – $25,000)) = $8,000

There is no Benefit Payment Remaining because the withdrawal has reduced it to $0.

Example 5: Assume example 3 is continued and an additional withdrawal of $5,000 is taken in the same year (the first Benefit Year). Assume the Contract Value prior to the additional withdrawal was $60,000. Because the $5,000 withdrawal is larger than the Benefit Payment Remaining ($0), the Benefit Base and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $55,000, determined by the following calculation: the lesser of ($60,000 – $5,000) and ($92,000 – $5,000) = $55,000.

The Benefit Payment is reduced to $4,400, determined by the following formula: the lesser of ($8,000) and ((8% × ($60,000 – $5,000)) = $4,400.

The Benefit Payment Remaining is unchanged at $0.

Example 6: Assume example 5 is continued and an additional Purchase Payment of 40,000 is made in the same year (the first Benefit Year).

The Benefit Base is increased to $95,000, which is your prior Benefit Base ($55,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $7,600, which is your prior Benefit Payment ($4,400) plus 8% of your additional purchase payment ($40,000).

The Benefit Payment Remaining is increased to $3,200, which is your Benefit Payment Remaining prior to your additional purchase payment ($0) plus 8% of your additional purchase payment ($40,000).

Example 7: Assume example 6 is continued and an additional withdrawal of $3,200 is taken in the same year (the first Benefit Year).

The Benefit Base is reduced to $91,800, which is your prior Benefit Base ($95,000) less your withdrawal ($3,200).

The Benefit Payment is unchanged and remains $7,600.

The Benefit Payment Remaining is reduced to $0, which is your Benefit Payment Remaining prior to your withdrawal ($3,200) less your withdrawal ($3,200).

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Appendix I – SureIncome Plus Withdrawal Benefit Option Calculation Examples

Example 1: Assume you purchase an Allstate Advisor contract with a $100,000 initial purchase payment and add the SureIncome Plus Option at issue.

Your Benefit Base is $100,000, which is your initial purchase payment of $100,000.

Your SureIncome ROP Death Benefit is $100,000, which is your initial purchase payment of $100,000.

Your Benefit Payment is $8,000, which is 8% of your initial purchase payment.

Your Benefit Payment Remaining for this Benefit Year is $8,000, which is equal to your Benefit Payment at the beginning of this Benefit Year.

Example 2: Assume Example 1 is continued and an additional purchase payment of $40,000 is made in the first Benefit Year.

The Benefit Base is increased to $140,000, which is your prior Benefit Base ($100,000) plus your additional purchase payment ($40,000).

The SureIncome ROP Death Benefit is increased to $140,000, which is your prior SureIncome ROP Death Benefit ($100,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $11,200, which is your prior Benefit Payment ($8,000) plus 8% of your additional purchase payment ($40,000).

Example 3: Assume Example 1 is continued and a withdrawal of $8,000 is made during the first Benefit Year.

The Benefit Base is reduced to $92,000, which is your prior Benefit Base ($100,000) less your withdrawal ($8,000).

The SureIncome ROP Death Benefit is reduced to $92,000, which is your prior SureIncome ROP Death Benefit ($100,000) less your withdrawal ($8,000).

The Benefit Payment is unchanged and remains $8,000.

The Benefit Payment Remaining in the first Benefit Year is $0, which is your Benefit Payment Remaining prior to your withdrawal ($8,000) less your withdrawal ($8,000).

Example 4: Assume Example 1 is continued and a withdrawal of $25,000 is made during the first Benefit Year. Assume the Contract Value prior to the withdrawal was $130,000. Because the $25,000 withdrawal is larger than the Benefit Payment Remaining, the Benefit Base, the SureIncome ROP Death Benefit and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The SureIncome ROP Death Benefit is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The Benefit Payment remains $8,000, determined by the following calculation: the lesser of ($8,000) and (8% × ($130,000 – $25,000)) = $8,000

There is no Benefit Payment Remaining because the withdrawal has reduced it to $0.

Example 5: Assume Example 3 is continued and an additional withdrawal of $5,000 is taken in the same year (the first Benefit Year). Assume the Contract Value prior to the additional withdrawal was $60,000. Because the $5,000 withdrawal is larger than the Benefit Payment Remaining ($0), the Benefit Base and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $55,000, determined by the following calculation: the lesser of ($60,000 – $5,000) and ($92,000 – $5,000) = $55,000.

The SureIncome ROP Death Benefit is reduced to $55,000, determined by the following calculation: the lesser of ($60,000 – $5,000) and ($92,000 – $5,000) = $55,000.

The Benefit Payment is reduced to $4,400, determined by the following formula: the lesser of ($8,000) and ((8% × ($60,000 – $5,000)) = $4,400.

The Benefit Payment Remaining is unchanged at $0.

Example 6: Assume Example 5 is continued and an additional Purchase Payment of 40,000 is made in the same year (the first Benefit Year).

The Benefit Base is increased to $95,000, which is your prior Benefit Base ($55,000) plus your additional purchase payment ($40,000).

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The SureIncome ROP Death Benefit is increased to $95,000, which is your prior SureIncome ROP Death Benefit ($55,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $7,600, which is your prior Benefit Payment ($4,400) plus 8% of your additional purchase payment ($40,000).

The Benefit Payment Remaining is increased to $3,200, which is your Benefit Payment Remaining prior to your additional purchase payment ($0) plus 8% of your additional purchase payment ($40,000).

Example 7: Assume Example 6 is continued and an additional withdrawal of $3,200 is taken in the same year (the first Benefit Year).

The Benefit Base is reduced to $91,800, which is your prior Benefit Base ($95,000) less your withdrawal ($3,200).

The SureIncome ROP Death Benefit is reduced to $91,800, which is your prior SureIncome ROP Death Benefit ($95,000) less your withdrawal ($3,200).

The Benefit Payment is unchanged, because the amount withdrawn does not exceed the Benefit Payment Remaining, and remains $7,600.

The Benefit Payment Remaining is reduced to $0, which is your Benefit Payment Remaining prior to your withdrawal ($3,200) less your withdrawal ($3,200).

Example 8: Assume Example 1 is continued and on the first Contract Anniversary the Contract Value prior to deduction of annual fees is $160,000.

The SureIncome Plus Option Fee is $650, which is 0.65% × the Benefit Base ($100,000) prior to updating the Benefit Base based on the Contract Value on the Contract Anniversary.

The final Contract Value is $159,350, which the Contract Value on the Contract Anniversary after deduction of annual fees (assume SureIncome Plus Option Fee is the only annual fee applicable).

The Benefit Base is increased to $159,350, which is the greater of your current Benefit Base ($100,000) and the final Contract Value on the Contract Anniversary ($159,350).

The SureIncome ROP Death Benefit remains $100,000.

The Benefit Payment is increased to $12,748, which is the greater of your current Benefit Payment ($8,000) and 8% × the final Contract Value on the Contract Anniversary ($159,350).

The Benefit Payment Remaining is updated to $12,748, which is the Benefit Payment on the Contract Anniversary.

Example 9: Assume Example 8 is continued, no withdrawals or purchase payments are applied during the second Contract Year and on the second Contract Anniversary the Contract Value prior to deduction of annual fees is $60,000.

The SureIncome Plus Option Fee is $1,035.78, which is 0.65% × the Benefit Base ($159,350) prior to updating the Benefit Base based on the Contract Value on the Contract Anniversary.

The final Contract Value is $58,964.22, which the Contract Value on the Contract Anniversary after deduction of annual fees (assume SureIncome Plus Option Fee is the only annual fee applicable).

The Benefit Base remains $159,350, which is the greater of your current Benefit Base ($159,350) and the final Contract Value on the Contract Anniversary ($58,964.22).

The SureIncome ROP Death Benefit remains $100,000.

The Benefit Payment is remains $12,748, which is the greater of your current Benefit Payment $12,748 and 8% × the final Contract Value on the Contract Anniversary ($58,964.22).

The Benefit Payment Remaining is updated to $12,748, which is the Benefit Payment on the Contract Anniversary.

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Appendix J – SureIncome For Life Withdrawal Benefit Option Calculation Examples

Example 1: Assume you purchase an Allstate Advisor contract with $100,000 initial purchase payment, are attained age 55 at issue, and add the SureIncome For Life Option at issue (you are the SureIncome Covered Life).

Your Benefit Base is $100,000, which is your initial purchase payment of $100,000.

Your SureIncome ROP Death Benefit is $100,000, which is your initial purchase payment of $100,000.

Your Benefit Payment is $4,000, which is 4% of your initial purchase payment.

Your Benefit Payment Remaining for this Benefit Year is $4,000, which is equal to your Benefit Payment at the beginning of this Benefit Year.

Note: The Benefit Payment remains $4,000 until you turn age 60 (as long as the Contract Value on any of the prior Contract Anniversaries have not caused any of the guarantees under the Option to be updated). At that point, if no withdrawals have been taken, your Benefit Payment & Benefit Payment Remaining are updated to 5% × current Benefit Base ($5,000 = 5% × $100,000, assuming your Benefit Base is still $100,000).

Example 2: Assume Example 1 is continued and an additional purchase payment of $40,000 is made in the first Benefit Year.

The Benefit Base is increased to $140,000, which is your prior Benefit Base ($100,000) plus your additional purchase payment ($40,000).

The SureIncome ROP Death Benefit is increased to $140,000, which is your prior SureIncome ROP Death Benefit ($100,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $5,600, which is your prior Benefit Payment ($4,000) plus 4% of your additional purchase payment ($40,000).

The Benefit Payment Remaining is increased to $5,600, which is your prior Benefit Payment Remaining ($4,000) plus 4% of your additional purchase payment ($40,000).

Note: The Benefit Payment remains $5,600 until you turn age 60 (for the purposes of this example it is assumed the maximum anniversary value on any of the prior Contract Anniversaries has not increased the Benefit Payment). At that point, if no withdrawals have been taken, your Benefit Payment & Benefit Payment Remaining are updated to 5% × current Benefit Base ($7,000 = 5% × $140,000, assuming your Benefit Base is still $140,000).

Example 3a: Assume Example 1 is continued and the first withdrawal, equal to $4,000, is made during the first Benefit Year.

The Benefit Base is reduced to $96,000, which is your prior Benefit Base ($100,000) less your withdrawal ($4,000).

The SureIncome ROP Death Benefit is reduced to $96,000, which is your prior SureIncome ROP Death Benefit ($100,000) less your withdrawal ($4,000).

The Benefit Payment is unchanged and remains $4,000.

The Benefit Payment Remaining in the first Benefit Year is $0, which is your Benefit Payment Remaining prior to your withdrawal ($4,000) less your withdrawal ($4,000).

Note: The Withdrawal Benefit Factor is locked at 4% because the age at first withdrawal is age 55.

Example 3b: Assume Example 1 is continued and the first withdrawal, equal to $5,000, is made during the sixth Benefit Year and you have attained age 60 (assume the Contract Values have not increased any SureIncome For Life Option guarantees on any prior Contract Anniversaries).

The Benefit Base is reduced to $95,000, which is your prior Benefit Base ($100,000) less your withdrawal ($5,000).

The SureIncome ROP Death Benefit is reduced to $95,000, which is your prior SureIncome ROP Death Benefit ($100,000) less your withdrawal ($5,000).

Because the first withdrawal occurs at attained age 60, the Benefit Payment and Benefit Payment Remaining prior to the withdrawal are updated to 5% × current Benefit Base (5% × $100,000 = $5,000).

The Benefit Payment remains $5,000 after withdrawal.

The Benefit Payment Remaining in the first Benefit Year is $0, which is your Benefit Payment Remaining prior to your withdrawal ($5,000) less your withdrawal ($5,000).

Note: The Withdrawal Benefit Factor is locked at 5% because the age at first withdrawal is age 60.

Example 3c: Assume Example 1 is continued and the first withdrawal, equal to $6,000, is made during the sixteenth Benefit Year and you have attained age 70 (assume the Contract Values have not increased any SureIncome For Life Option guarantees on any prior Contract Anniversaries).

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The Benefit Base is reduced to $94,000, which is your prior Benefit Base ($100,000) less your withdrawal ($6,000).

The SureIncome ROP Death Benefit is reduced to $94,000, which is your prior SureIncome ROP Death Benefit ($100,000) less your withdrawal ($6,000).

Because the first withdrawal occurs at attained age 70, the Benefit Payment and Benefit Payment Remaining prior to the withdrawal are updated to 6% × current Benefit Base (6% × $100,000 = $6,000).

The Benefit Payment remains $6,000 after withdrawal.

The Benefit Payment Remaining in the first Benefit Year is $0, which is your Benefit Payment Remaining prior to your withdrawal ($6,000) less your withdrawal ($6,000).

Note: The Withdrawal Benefit Factor is locked at 6% because the age at first withdrawal is age 70.

Example 4a: Assume Example 1 is continued and a withdrawal of $25,000 is made during the first Benefit Year. Assume the Contract Value prior to the withdrawal was $130,000. Because the $25,000 withdrawal is larger than the Benefit Payment Remaining, the Benefit Base, the SureIncome ROP Death Benefit and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The SureIncome ROP Death Benefit is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The Benefit Payment is reduced to $3,000, determined by the following calculation: the lesser of ($4,000) and (4% × $75,000) = $3,000.

There is no Benefit Payment Remaining because the withdrawal has reduced it to $0.

Note: The Withdrawal Benefit Factor is locked at 4% because the age at first withdrawal is age 55.

Example 4b: Assume Example 1 is continued and a withdrawal of $25,000 is made during the sixth Benefit Year (assume the Contract Values have not increased any SureIncome For Life Option guarantees on any prior Contract Anniversaries). Assume the Contract Value prior to the withdrawal was $130,000. Because the $25,000 withdrawal is larger than the Benefit Payment Remaining, the Benefit Base, the SureIncome ROP Death Benefit and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

The SureIncome ROP Death Benefit is reduced to $75,000, determined by the following calculation: the lesser of ($130,000 – $25,000) and ($100,000 – $25,000) = $75,000.

Because the first withdrawal occurs at attained age 60, the Benefit Payment and Benefit Payment Remaining prior to the withdrawal are updated to 5% × current Benefit Base prior to the withdrawal (5% × $100,000 = $5,000).

The Benefit Payment is reduced to $3,750, determined by the following calculation: the lesser of ($5,000) and (5% × $75,000) = $3,750.

There is no Benefit Payment Remaining because the withdrawal has reduced it to $0.

Note: The Withdrawal Benefit Factor is locked at 5% because the age at first withdrawal is age 60.

Example 5: Assume Example 3a is continued and an additional withdrawal of $5,000 is taken in the same year (the first Benefit Year). Assume the Contract Value prior to the additional withdrawal was $60,000. Because the $5,000 withdrawal is larger than the Benefit Payment Remaining ($0), the Benefit Base and Benefit Payment will be recalculated according to applicable formulas.

The Benefit Base is reduced to $55,000, determined by the following calculation: the lesser of ($60,000 – $5,000) and ($96,000 – $5,000) = $55,000.

The SureIncome ROP Death Benefit is reduced to $55,000, determined by the following calculation: the lesser of ($60,000 – $5,000) and ($96,000 – $5,000) = $55,000.

The Benefit Payment is reduced to $2,200, determined by the following formula: the lesser of ($4,000) and (4% × $55,000) = $2,200.

Example 6: Assume Example 5 is continued and an additional Purchase Payment of 40,000 is made in the same year (the first Benefit Year).

The Benefit Base is increased to $95,000, which is your prior Benefit Base ($55,000) plus your additional purchase payment ($40,000).

The SureIncome ROP Death Benefit is increased to $95,000, which is your prior SureIncome ROP Death Benefit ($55,000) plus your additional purchase payment ($40,000).

The Benefit Payment is increased to $3,800, which is your prior Benefit Payment ($2,200) plus 4% of your additional purchase payment ($40,000).

J-2

The Benefit Payment Remaining is increased to $1,600, which is your Benefit Payment Remaining prior to your additional purchase payment ($0) plus 4% of your additional purchase payment ($40,000).

Example 7: Assume Example 6 is continued and an additional withdrawal of $1,600 is taken in the same year (the first Benefit Year).

The Benefit Base is reduced to $93,400, which is your prior Benefit Base ($95,000) less your withdrawal ($1,600).

The SureIncome ROP Death Benefit is reduced to $93,400, which is your prior SureIncome ROP Death Benefit ($95,000) less your withdrawal ($1,600).

The Benefit Payment is unchanged and remains $3,800.

The Benefit Payment Remaining is reduced to $0, which is your Benefit Payment Remaining prior to your withdrawal ($1,600) less your withdrawal ($1,600).

Example 8: Assume Example 1 is continued and on the first Contract Anniversary the Contract Value prior to deduction of annual fees is $160,000.

The SureIncome For Life Option Fee is $650, which is 0.65% × the Benefit Base ($100,000) prior to updating the Benefit Base based on the Contract Value on the Contract Anniversary.

The final Contract Value is $159,350, which the Contract Value on the Contract Anniversary after deduction of annual fees (assume SureIncome For Life Option Fee is the only annual fee applicable).

The Benefit Base is increased to $159,350, which is the greater of your current Benefit Base ($100,000) and the final Contract Value on the Contract Anniversary ($159,350).

The SureIncome ROP Death Benefit remains $100,000.

The Benefit Payment is increased to $6,374, which is the greater of your current Benefit Payment ($4,000) and 4% of the final Contract Value on the Contract Anniversary ($159,350).

The Benefit Payment Remaining is updated to $6,374, which is the Benefit Payment on the Contract Anniversary.

Note: The Benefit Payment remains $6,374 until you turn age 60 (as long as the Contract Values on any of the prior Contract Anniversaries have not caused any of the guarantees under the Option to be updated). At that point, if no withdrawals have been taken, your Benefit Payment and Benefit Payment Remaining are updated to 5% × current Benefit Base ($7,967.50 = 5% × $159,350, assuming your Benefit Base is still $159,350).

The SureIncome For Life Option Fee is $1,035.78, which is 0.65% × the Benefit Base ($159,350) prior to updating for the Benefit Base based on the Contract Value on the Contract Anniversary.

The final Contract Value is $58,964.22, which the Contract Value on the Contract Anniversary after deduction of annual fees (assume SureIncome For Life Option Fee is the only annual fee applicable).

The Benefit Base is remains $159,350, which is the greater of your current Benefit Base ($159,350) and the final Contract Value on the Contract Anniversary ($58,964.22).

The SureIncome ROP Death Benefit remains $100,000.

The Benefit Payment is remains $6,374, which is the greater of your current Benefit Payment $6,374 and 4% × the final Contract Value on the Contract Anniversary ($58,964.22).

The Benefit Payment Remaining is updated to $6,374, which is the Benefit Payment on the Contract Anniversary.

J-3

APPENDIX K – ACCUMULATION UNIT VALUES

Appendix K presents the Accumulation Unit Values and number of Accumulation Units outstanding for each Variable Sub-Account since the Variable Sub-Accounts were first offered under the Contracts. This Appendix includes Accumulation Unit Values representing the highest and lowest available combinations of Contract charges that affect Accumulation Unit Values for each Contract. The Statement of Additional Information, which is available upon request without charge, contains the Accumulation Unit Values for all other available combinations of Contract charges that affect Accumulation Unit Values for each Contract. Please contact us at 1-800-457-7617 to obtain a copy of the Statement of Additional Information.

The Allstate Advisor, Allstate Advisor Plus, Allstate Advisor Preferred with No Withdrawal Charge Option, Allstate Advisor Preferred with the 3 year Withdrawal Charge Option and Allstate Advisor Preferred with the 5 year Withdrawal Charge Option Contracts were first offered on October 14, 2002.

The Allstate Advisor, Allstate Advisor Plus and Allstate Advisor Preferred Contracts were first offered with the MAV Death Benefit Option at 0.15% or the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15%, with the Earnings Protection Death Benefit Option, with the MAV Death Benefit Option at 0.15% and the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15%, with the Earnings Protection Death Benefit Option, the MAV Death Benefit Option at 0.15% and the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15%, with the MAV Death Benefit Option at 0.15% and with the Earnings Protection Death Benefit Option, with the MAV Death Benefit Option at 0.15%, the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15%, and the Earnings Protection Death Benefit Option, with the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15% and the Earnings Protection Death Benefit Option on October 14, 2002.

The Earnings Protection Death Benefit Option, the MAV Death Benefit Option at 0.20%, and the Enhanced Beneficiary Protection (Annual Increase) Option at 0.30%, Contracts with the MAV Death Benefit Option at 0.20%, the Enhanced Beneficiary Protection (Annual Increase) Option at 0.30%, Contracts with the MAV Death Benefit Option at 0.20% and the Enhanced Beneficiary Protection (Annual Increase) Option at 0.15%, Contracts with the MAV Death Benefit Option at 0.20% and the Enhanced Beneficiary Protection (Annual Increase) Option at 0.30%, the MAV Death Benefit Option at 0.20% was first offered on May 1, 2003.

All of the Variable Sub-Accounts shown below were first offered under the Contracts on October 14, 2002, except for the Oppenheimer Capital Appreciation/VA – Service Shares Sub-Account and UIF Small Company Growth, Class II Sub-Accounts which were first offered under the Contracts on May 1, 2003, the Van Kampen LIT Money Market, Class II Sub-Account and UIF Global Franchise, Class II Sub-Accounts, which were first offered under the Contracts on December 31, 2003, and the FTVIP Franklin Income Securities – Class 2 Sub-Account, FTVIP Franklin U.S. Government – Class 2 Sub-Account, Invesco Van Kampen V.I. Comstock Fund – Series II Sub-Account, Invesco Van Kampen V.I. Equity and Income Fund – Series II Sub-Account, UIF Growth, Class I Sub-Account and UIF Growth, Class II Sub-Account, and Invesco Van Kampen V.I. Mid Cap Value Fund – Series I Sub-Account and Invesco Van Kampen V.I. Mid Cap Value Fund – Series II Sub-Accounts, which were first offered under the Contracts on May 1, 2004 and the FTVIP Franklin Large Cap Growth Securities – Class 2 Sub-Account, Lord Abbett Series Fund – Fundamental Equity Portfolio, Lord Abbett Series Fund – Bond-Debenture Portfolio, Lord Abbett Series Fund – Growth and Income Portfolio, Lord Abbett Series Fund – Growth Opportunities Portfolio, Lord Abbett Series Fund – Mid Cap Stock Portfolio and Oppenheimer Core Bond/VA – Service Shares Sub-Account which were first offered with the Contracts on October 1, 2004, and the Fidelity VIP Contrafund – Service Class 2 Sub-Account, Fidelity VIP Freedom 2010 – Service Class 2 Sub-Account, Fidelity VIP Freedom 2020 – Service Class 2 Sub-Account, Fidelity VIP Freedom 2030 – Service Class 2 Sub-Account, Fidelity VIP Freedom Income – Service Class 2 Sub-Account, Fidelity VIP Growth Stock – Service Class 2 Sub-Account, Fidelity VIP Index 500 – Service Class 2 Sub-Account, Fidelity VIP Mid Cap – Service Class 2 Sub-Account, FTVIP Mutual Global Discovery Securities Fund – Class 2 Sub-Account and UIF U.S. Mid Cap Growth, Class II Sub-Account, which were first offered under the Contracts on May 1, 2006 and the Putnam VT Equity Income Fund – Class IB Sub-Account which was first offered under the Contracts on February 13, 2009.

The name of the following Sub-Account changed since December 31, 2015. The names shown in the tables of Accumulation Units correspond to the name of the Sub-Account as of December 31, 2015:

Sub-Account Name as of December 31, 2015

(as appears in the following tables of Accumulation Unit Values)

Sub-Account Name on/about May 1, 2016:

Putnam VT Money Market Fund – Class IB

Putnam VT Government Money Market Fund – Class IB

K-1

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Contracts – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

Basic Contract

Mortality & Expense = 1.1


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.291		516,451
		2007		$10.291		$11.915		1,004,070
		2008		$11.915		$6.740		1,144,313
		2009		$6.740		$9.013		1,143,620
		2010		$9.013		$10.403		1,050,401
		2011		$10.403		$9.983		874,253
		2012		$9.983		$11.444		648,028
		2013		$11.444		$14.793		527,579
		2014		$14.793		$16.304		380,861
		2015		$16.304		$16.161		318,224
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.483		24,455
		2007		$10.483		$11.218		70,102
		2008		$11.218		$8.287		116,207
		2009		$8.287		$10.139		172,093
		2010		$10.139		$11.264		170,536
		2011		$11.264		$11.072		131,106
		2012		$11.072		$12.194		110,259
		2013		$12.194		$13.625		91,532
		2014		$13.625		$14.016		61,011
		2015		$14.016		$13.762		63,026
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.513		54,334
		2007		$10.513		$11.411		128,871
		2008		$11.411		$7.569		140,536
		2009		$7.569		$9.604		203,822
		2010		$9.604		$10.839		150,160
		2011		$10.839		$10.566		128,800
		2012		$10.566		$11.793		123,788
		2013		$11.793		$13.461		99,189
		2014		$13.461		$13.898		64,380
		2015		$13.898		$13.656		56,339
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.522		14,031
		2007		$10.522		$11.536		28,063
		2008		$11.536		$7.040		56,210
		2009		$7.040		$9.116		73,240
		2010		$9.116		$10.429		69,082
		2011		$10.429		$10.003		62,089
		2012		$10.003		$11.373		55,492
		2013		$11.373		$13.629		44,016
		2014		$13.629		$14.092		21,588
		2015		$14.092		$13.836		20,541

K-2


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.373		16,899
		2007		$10.373		$10.845		48,727
		2008		$10.845		$9.559		65,357
		2009		$9.559		$10.817		76,108
		2010		$10.817		$11.452		69,850
		2011		$11.452		$11.461		86,305
		2012		$11.461		$12.021		66,655
		2013		$12.021		$12.484		53,068
		2014		$12.484		$12.759		37,008
		2015		$12.759		$12.523		27,184
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$19.175		10,394
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.766		19,226
		2007		$9.766		$11.790		53,608
		2008		$11.790		$6.427		72,235
		2009		$6.427		$9.163		57,801
		2010		$9.163		$10.833		24,653
		2011		$10.833		$10.741		18,803
		2012		$10.741		$12.530		17,930
		2013		$12.530		$16.649		16,126
		2014		$16.649		$18.461		12,499
		2015		$18.461		$19.608		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.846		45,567
		2007		$10.846		$11.260		270,300
		2008		$11.260		$6.985		264,109
		2009		$6.985		$8.708		239,770
		2010		$8.708		$9.861		226,853
		2011		$9.861		$9.908		200,172
		2012		$9.908		$11.309		170,918
		2013		$11.309		$14.725		161,365
		2014		$14.725		$16.467		57,344
		2015		$16.467		$16.430		48,729
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.899		102,347
		2007		$9.899		$11.269		251,766
		2008		$11.269		$6.718		256,868
		2009		$6.718		$9.267		223,401
		2010		$9.267		$11.761		211,845
		2011		$11.761		$10.350		191,071
		2012		$10.350		$11.704		148,870
		2013		$11.704		$15.697		123,963
		2014		$15.697		$16.429		81,031
		2015		$16.429		$15.953		68,075
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$15.034		$17.328		1,376,859
		2007		$17.328		$16.469		1,236,047
		2008		$16.469		$10.543		1,065,952
		2009		$10.543		$13.170		897,010
		2010		$13.170		$15.169		740,255
		2011		$15.169		$15.334		542,396
		2012		$15.334		$16.987		437,455
		2013		$16.987		$21.732		356,957
		2014		$21.732		$23.412		289,733
		2015		$23.412		$22.900		212,719

K-3


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.297		$13.185		3,300,784
		2007		$13.185		$13.503		4,027,508
		2008		$13.503		$9.376		3,310,458
		2009		$9.376		$12.550		2,996,804
		2010		$12.550		$13.958		2,737,443
		2011		$13.958		$14.107		2,234,019
		2012		$14.107		$15.686		1,754,353
		2013		$15.686		$17.642		1,356,581
		2014		$17.642		$18.219		1,028,091
		2015		$18.219		$16.715		761,842
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.508		$11.503		1,735,490
		2007		$11.503		$12.061		2,114,492
		2008		$12.061		$7.795		1,887,340
		2009		$7.795		$9.982		1,654,042
		2010		$9.982		$10.995		1,464,453
		2011		$10.995		$10.690		1,207,012
		2012		$10.690		$11.857		994,473
		2013		$11.857		$15.056		695,772
		2014		$15.056		$16.713		505,293
		2015		$16.713		$17.426		364,866
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$11.041		179,990
		2007		$11.041		$12.189		443,786
		2008		$12.189		$8.608		486,057
		2009		$8.608		$10.478		507,819
		2010		$10.478		$11.580		464,348
		2011		$11.580		$11.093		389,053
		2012		$11.093		$12.412		308,781
		2013		$12.412		$15.635		245,015
		2014		$15.635		$16.315		196,702
		2015		$16.315		$15.516		153,882
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.488		$18.099		2,186,968
		2007		$18.099		$18.486		2,266,150
		2008		$18.486		$11.476		1,861,389
		2009		$11.476		$14.279		1,641,649
		2010		$14.279		$15.673		1,423,936
		2011		$15.673		$15.310		1,136,095
		2012		$15.310		$17.264		884,199
		2013		$17.264		$21.858		649,685
		2014		$21.858		$23.112		525,158
		2015		$23.112		$21.688		401,002
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$19.217		$22.191		787,501
		2007		$22.191		$21.382		728,134
		2008		$21.382		$14.137		614,342
		2009		$14.137		$18.024		529,315
		2010		$18.024		$22.813		447,006
		2011		$22.813		$21.672		369,453
		2012		$21.672		$25.326		292,858
		2013		$25.326		$34.058		235,873
		2014		$34.058		$33.811		182,155
		2015		$33.811		$30.909		143,664

K-4


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.803		$19.101		20,318
		2007		$19.101		$20.973		17,140
		2008		$20.973		$11.904		19,245
		2009		$11.904		$16.871		13,500
		2010		$16.871		$21.254		9,873
		2011		$21.254		$19.967		6,280
		2012		$19.967		$21.848		5,663
		2013		$21.848		$29.794		5,154
		2014		$29.794		$31.608		4,847
		2015		$31.608		$30.371		4,381
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.385		$10.664		553,564
		2007		$10.664		$11.221		643,995
		2008		$11.221		$11.917		756,472
		2009		$11.917		$12.127		776,465
		2010		$12.127		$12.603		739,426
		2011		$12.603		$13.147		550,596
		2012		$13.147		$13.222		582,158
		2013		$13.222		$12.760		418,493
		2014		$12.760		$13.021		329,897
		2015		$13.021		$12.914		271,740
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$26.292		$33.244		254,473
		2007		$33.244		$42.259		259,442
		2008		$42.259		$19.728		230,730
		2009		$19.728		$33.609		208,582
		2010		$33.609		$39.010		179,807
		2011		$39.010		$32.402		159,099
		2012		$32.402		$36.192		121,276
		2013		$36.192		$35.396		93,905
		2014		$35.396		$32.008		74,939
		2015		$32.008		$25.401		67,278
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$17.410		$20.872		1,384,661
		2007		$20.872		$23.785		1,600,147
		2008		$23.785		$13.998		1,393,105
		2009		$13.998		$18.936		1,204,940
		2010		$18.936		$20.263		1,066,709
		2011		$20.263		$17.875		932,183
		2012		$17.875		$20.861		739,375
		2013		$20.861		$25.322		549,516
		2014		$25.322		$22.213		466,297
		2015		$22.213		$20.503		378,756
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$14.052		$15.643		24,121
		2007		$15.643		$17.139		24,104
		2008		$17.139		$17.968		21,379
		2009		$17.968		$21.050		15,757
		2010		$21.050		$23.781		11,849
		2011		$23.781		$23.270		11,424
		2012		$23.270		$26.430		9,900
		2013		$26.430		$26.514		7,848
		2014		$26.514		$26.652		7,449
		2015		$26.652		$25.176		5,597

K-5


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$13.227		$13.399		325,314
		2007		$13.399		$15.427		267,235
		2008		$15.427		$7.749		254,421
		2009		$7.749		$12.669		208,247
		2010		$12.669		$14.953		170,568
		2011		$14.953		$13.817		126,429
		2012		$13.817		$15.466		99,902
		2013		$15.466		$21.342		67,665
		2014		$21.342		$22.787		45,326
		2015		$22.787		$23.562		39,202
Invesco V.I. American Value Fund – Series I
		2006		$12.560		$14.965		194,883
		2007		$14.965		$15.930		208,857
		2008		$15.930		$9.232		177,447
		2009		$9.232		$12.685		155,724
		2010		$12.685		$15.307		120,227
		2011		$15.307		$15.249		86,378
		2012		$15.249		$17.657		71,594
		2013		$17.657		$23.402		55,658
		2014		$23.402		$25.352		47,291
		2015		$25.352		$22.741		27,423
Invesco V.I. American Value Fund – Series II
		2006		$12.535		$14.926		352,246
		2007		$14.926		$15.873		433,653
		2008		$15.873		$9.178		417,880
		2009		$9.178		$12.607		336,485
		2010		$12.607		$15.205		289,237
		2011		$15.205		$15.134		235,235
		2012		$15.134		$17.489		177,479
		2013		$17.489		$23.121		139,779
		2014		$23.121		$24.986		109,959
		2015		$24.986		$22.355		92,002
Invesco V.I. Comstock Fund – Series II
		2006		$11.681		$13.381		1,184,603
		2007		$13.381		$12.900		1,155,302
		2008		$12.900		$8.175		1,015,402
		2009		$8.175		$10.362		818,910
		2010		$10.362		$11.833		742,883
		2011		$11.833		$11.435		627,494
		2012		$11.435		$13.423		474,576
		2013		$13.423		$17.974		363,631
		2014		$17.974		$19.357		262,089
		2015		$19.357		$17.923		196,046
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.648		$12.945		950,381
		2007		$12.945		$13.206		1,069,714
		2008		$13.206		$10.079		932,139
		2009		$10.079		$12.187		817,049
		2010		$12.187		$13.477		722,518
		2011		$13.477		$13.130		556,735
		2012		$13.130		$14.566		384,707
		2013		$14.566		$17.956		298,901
		2014		$17.956		$19.279		221,084
		2015		$19.279		$18.538		177,565

K-6


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$16.394		$18.769		1,148,378
		2007		$18.769		$18.993		1,130,145
		2008		$18.993		$12.709		959,755
		2009		$12.709		$15.569		840,508
		2010		$15.569		$17.242		750,580
		2011		$17.242		$16.636		555,942
		2012		$16.636		$18.776		443,855
		2013		$18.776		$24.793		328,304
		2014		$24.793		$26.912		257,222
		2015		$26.912		$25.685		190,496
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.233		$12.670		126,259
		2007		$12.670		$14.706		101,130
		2008		$14.706		$7.718		83,765
		2009		$7.718		$11.913		73,374
		2010		$11.913		$14.966		55,789
		2011		$14.966		$13.391		45,054
		2012		$13.391		$14.754		31,910
		2013		$14.754		$19.895		23,696
		2014		$19.895		$21.149		18,663
		2015		$21.149		$21.093		16,477
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.371		$11.192		959,024
		2007		$11.192		$11.731		1,203,223
		2008		$11.731		$9.549		982,893
		2009		$9.549		$12.660		854,149
		2010		$12.660		$14.035		819,038
		2011		$14.035		$14.462		733,952
		2012		$14.462		$16.064		619,129
		2013		$16.064		$17.153		491,297
		2014		$17.153		$17.668		366,797
		2015		$17.668		$17.173		272,180
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.529		$13.047		258,059
		2007		$13.047		$13.743		281,424
		2008		$13.743		$9.676		252,224
		2009		$9.676		$12.033		221,340
		2010		$12.033		$14.137		205,010
		2011		$14.137		$13.329		170,638
		2012		$13.329		$14.549		114,983
		2013		$14.549		$19.496		76,267
		2014		$19.496		$20.619		55,402
		2015		$20.619		$19.652		38,450
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$11.114		$12.866		977,874
		2007		$12.866		$13.135		1,131,948
		2008		$13.135		$8.243		923,149
		2009		$8.243		$9.675		791,390
		2010		$9.675		$11.213		683,057
		2011		$11.213		$10.395		545,222
		2012		$10.395		$11.501		405,565
		2013		$11.501		$15.429		280,068
		2014		$15.429		$16.395		218,979
		2015		$16.395		$15.720		159,709

K-7


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.518		$12.268		307,914
		2007		$12.268		$14.685		401,093
		2008		$14.685		$8.952		360,805
		2009		$8.952		$12.861		300,712
		2010		$12.861		$15.606		253,522
		2011		$15.606		$13.857		226,260
		2012		$13.857		$15.607		183,891
		2013		$15.607		$21.118		126,785
		2014		$21.118		$22.110		93,569
		2015		$22.110		$22.419		68,674
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.896		$13.179		1,058,446
		2007		$13.179		$13.084		1,096,947
		2008		$13.084		$7.832		921,170
		2009		$7.832		$9.789		759,217
		2010		$9.789		$12.120		630,406
		2011		$12.120		$11.484		529,614
		2012		$11.484		$12.984		391,271
		2013		$12.984		$16.703		282,870
		2014		$16.703		$18.388		209,975
		2015		$18.388		$17.463		151,826
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.424		$14.269		1,418,096
		2007		$14.269		$16.036		1,252,093
		2008		$16.036		$8.601		1,194,919
		2009		$8.601		$12.239		987,395
		2010		$12.239		$13.186		862,275
		2011		$13.186		$12.837		679,504
		2012		$12.837		$14.421		521,280
		2013		$14.421		$18.424		369,160
		2014		$18.424		$20.937		276,145
		2015		$20.937		$21.342		214,417
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.614		$15.992		687,270
		2007		$15.992		$16.335		626,947
		2008		$16.335		$9.092		534,080
		2009		$9.092		$10.913		442,615
		2010		$10.913		$12.138		390,066
		2011		$12.138		$12.027		307,892
		2012		$12.027		$13.309		234,858
		2013		$13.309		$14.823		165,039
		2014		$14.823		$15.805		115,518
		2015		$15.805		$15.689		97,371
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.221		$10.587		1,022,486
		2007		$10.587		$10.877		1,758,893
		2008		$10.877		$6.541		1,767,178
		2009		$6.541		$7.041		1,796,199
		2010		$7.041		$7.734		1,714,650
		2011		$7.734		$8.240		1,408,093
		2012		$8.240		$8.961		1,313,811
		2013		$8.961		$8.812		1,091,278
		2014		$8.812		$9.301		896,045
		2015		$9.301		$9.245		687,391

K-8


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$16.248		$16.472		334,836
		2007		$16.472		$17.240		269,795
		2008		$17.240		$8.643		234,531
		2009		$8.643		$11.284		198,239
		2010		$11.284		$14.163		162,327
		2011		$14.163		$14.098		135,036
		2012		$14.098		$16.165		109,341
		2013		$16.165		$21.641		82,802
		2014		$21.641		$22.542		63,773
		2015		$22.542		$23.664		49,404
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.924		$21.924		560,411
		2007		$21.924		$22.956		551,050
		2008		$22.956		$13.521		457,046
		2009		$13.521		$18.599		380,350
		2010		$18.599		$21.242		329,854
		2011		$21.242		$19.180		254,911
		2012		$19.180		$22.899		197,803
		2013		$22.899		$28.704		147,313
		2014		$28.704		$28.917		122,644
		2015		$28.917		$29.592		89,286
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$13.224		$13.998		2,542,348
		2007		$13.998		$15.136		2,521,268
		2008		$15.136		$12.777		2,111,548
		2009		$12.777		$14.933		1,944,138
		2010		$14.933		$16.918		1,731,144
		2011		$16.918		$16.809		1,313,374
		2012		$16.809		$18.773		1,176,172
		2013		$18.773		$18.463		929,169
		2014		$18.463		$18.679		754,663
		2015		$18.679		$17.979		600,491
Oppenheimer High Income Fund/VA – Service Shares
		2006		$14.092		$15.194		651,221
		2007		$15.194		$14.926		646,720
		2008		$14.926		$3.157		1,119,834
		2009		$3.157		$3.925		1,062,342
		2010		$3.925		$4.434		976,989
		2011		$4.434		$4.265		769,121
		2012		$4.265		$4.751		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$14.296		$16.195		1,689,212
		2007		$16.195		$16.649		1,682,353
		2008		$16.649		$10.086		1,583,489
		2009		$10.086		$12.743		1,388,113
		2010		$12.743		$14.569		1,200,629
		2011		$14.569		$14.337		964,024
		2012		$14.337		$16.502		773,448
		2013		$16.502		$21.410		540,715
		2014		$21.410		$23.332		412,602
		2015		$23.332		$23.746		314,887

K-9


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.799		$21.278		570,415
		2007		$21.278		$20.709		531,717
		2008		$20.709		$12.673		481,521
		2009		$12.673		$17.124		406,889
		2010		$17.124		$20.800		330,552
		2011		$20.800		$20.043		267,644
		2012		$20.043		$23.280		214,043
		2013		$23.280		$32.314		152,828
		2014		$32.314		$35.615		116,832
		2015		$35.615		$33.013		94,387
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$13.066		632,085
		2010		$13.066		$14.524		560,259
		2011		$14.524		$14.612		462,154
		2012		$14.612		$17.208		364,903
		2013		$17.208		$22.492		253,771
		2014		$22.492		$25.013		191,514
		2015		$25.013		$23.939		145,074
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$13.332		$14.729		1,002,203
		2007		$14.729		$14.677		940,566
		2008		$14.677		$8.588		845,676
		2009		$8.588		$10.649		741,293
		2010		$10.649		$11.650		644,659
		2011		$11.650		$11.819		541,284
		2012		$11.819		$13.128		423,435
		2013		$13.128		$15.304		319,733
		2014		$15.304		$16.719		237,904
		2015		$16.719		$16.317		203,371
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$14.227		$15.850		289,761
		2007		$15.850		$16.104		302,756
		2008		$16.104		$10.599		251,413
		2009		$10.599		$14.146		218,816
		2010		$14.146		$16.015		196,452
		2011		$16.015		$15.743		167,473
		2012		$15.743		$17.745		114,159
		2013		$17.745		$20.931		79,702
		2014		$20.931		$22.608		57,403
		2015		$22.608		$22.355		38,035
Putnam VT Global Health Care Fund – Class IB
		2006		$13.438		$13.636		106,651
		2007		$13.636		$13.378		90,746
		2008		$13.378		$10.951		75,485
		2009		$10.951		$13.620		67,222
		2010		$13.620		$13.776		58,814
		2011		$13.776		$13.439		29,823
		2012		$13.439		$16.219		20,033
		2013		$16.219		$22.680		16,415
		2014		$22.680		$28.577		14,049
		2015		$28.577		$30.404		13,051

K-10


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$18.197		$22.819		58,275
		2007		$22.819		$27.015		46,926
		2008		$27.015		$18.535		34,349
		2009		$18.535		$19.642		25,751
		2010		$19.642		$19.744		23,665
		2011		$19.744		$18.437		18,838
		2012		$18.437		$19.115		14,482
		2013		$19.115		$21.476		8,910
		2014		$21.476		$24.289		6,586
		2015		$24.289		$21.599		5,464
Putnam VT Growth and Income Fund – Class IB
		2006		$15.482		$17.714		859,159
		2007		$17.714		$16.428		786,066
		2008		$16.428		$9.941		664,580
		2009		$9.941		$12.738		561,812
		2010		$12.738		$14.382		436,918
		2011		$14.382		$13.538		351,941
		2012		$13.538		$15.920		273,204
		2013		$15.920		$21.321		213,340
		2014		$21.321		$23.305		180,729
		2015		$23.305		$21.273		143,276
Putnam VT High Yield Fund – Class IB
		2006		$14.911		$16.269		729,961
		2007		$16.269		$16.506		684,787
		2008		$16.506		$12.046		602,387
		2009		$12.046		$17.858		499,764
		2010		$17.858		$20.102		445,814
		2011		$20.102		$20.192		327,955
		2012		$20.192		$23.122		268,664
		2013		$23.122		$24.616		220,014
		2014		$24.616		$24.677		180,534
		2015		$24.677		$23.055		154,145
Putnam VT Income Fund – Class IB
		2006		$10.945		$11.292		2,193,099
		2007		$11.292		$11.728		2,340,081
		2008		$11.728		$8.807		1,903,327
		2009		$8.807		$12.749		1,506,639
		2010		$12.749		$13.827		1,430,101
		2011		$13.827		$14.332		1,130,191
		2012		$14.332		$15.666		940,877
		2013		$15.666		$15.753		769,453
		2014		$15.753		$16.554		622,636
		2015		$16.554		$16.102		472,929
Putnam VT International Equity Fund – Class IB
		2006		$17.105		$21.566		486,115
		2007		$21.566		$23.067		661,099
		2008		$23.067		$12.762		606,992
		2009		$12.762		$15.700		541,864
		2010		$15.700		$17.051		457,663
		2011		$17.051		$13.981		398,204
		2012		$13.981		$16.825		320,815
		2013		$16.825		$21.270		245,353
		2014		$21.270		$19.573		197,254
		2015		$19.573		$19.348		154,907

K-11


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.611		$17.558		226,431
		2007		$17.558		$16.435		231,530
		2008		$16.435		$9.807		198,173
		2009		$9.807		$12.664		169,347
		2010		$12.664		$14.241		139,439
		2011		$14.241		$14.064		114,800
		2012		$14.064		$16.218		93,230
		2013		$16.218		$21.632		75,447
		2014		$21.632		$24.324		62,623
		2015		$24.324		$23.487		42,861
Putnam VT Money Market Fund – Class IB
		2006		$9.970		$10.274		3,059,102
		2007		$10.274		$10.626		2,741,531
		2008		$10.626		$10.759		2,353,459
		2009		$10.759		$10.642		2,823,769
		2010		$10.642		$10.509		2,415,868
		2011		$10.509		$10.374		2,154,262
		2012		$10.374		$10.241		1,888,785
		2013		$10.241		$10.110		1,393,745
		2014		$10.110		$9.981		1,242,504
		2015		$9.981		$9.853		1,080,570
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$16.056		$17.206		86,751
		2007		$17.206		$17.958		73,981
		2008		$17.958		$10.858		54,204
		2009		$10.858		$14.162		45,582
		2010		$14.162		$16.714		113,469
		2011		$16.714		$15.660		95,228
		2012		$15.660		$18.048		75,518
		2013		$18.048		$24.307		62,064
		2014		$24.307		$27.230		52,491
		2015		$27.230		$26.801		42,954
Putnam VT New Value Fund – Class IB
		2006		$17.465		$20.001		692,321
		2007		$20.001		$18.777		765,754
		2008		$18.777		$10.239		738,975
		2009		$10.239		$9.644		0
Putnam VT Research Fund – Class IB
		2006		$14.502		$15.935		78,283
		2007		$15.935		$15.817		64,794
		2008		$15.817		$9.594		55,482
		2009		$9.594		$12.614		53,463
		2010		$12.614		$14.490		41,019
		2011		$14.490		$14.054		34,062
		2012		$14.054		$16.358		22,282
		2013		$16.358		$21.534		18,153
		2014		$21.534		$24.415		11,162
		2015		$24.415		$23.727		9,243
Putnam VT Vista Fund – Class IB
		2006		$17.687		$18.411		161,338
		2007		$18.411		$18.865		145,788
		2008		$18.865		$10.140		122,422
		2009		$10.140		$13.887		100,418
		2010		$13.887		$15.906		0

K-12


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.494		$14.045		777,631
		2007		$14.045		$14.628		651,974
		2008		$14.628		$9.092		538,276
		2009		$9.092		$14.709		443,055
		2010		$14.709		$17.539		353,192
		2011		$17.539		$14.223		302,772
		2012		$14.223		$16.037		236,216
		2013		$16.037		$22.752		176,757
		2014		$22.752		$24.641		146,267
		2015		$24.641		$22.837		116,667
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.791		$18.365		347,798
		2007		$18.365		$19.286		364,955
		2008		$19.286		$16.185		298,917
		2009		$16.185		$20.788		263,398
		2010		$20.788		$22.519		237,498
		2011		$22.519		$23.759		182,583
		2012		$23.759		$27.644		138,197
		2013		$27.644		$24.898		112,118
		2014		$24.898		$25.287		92,694
		2015		$25.287		$24.668		67,842
UIF Global Franchise Portfolio, Class II
		2006		$12.304		$14.758		650,901
		2007		$14.758		$15.992		703,140
		2008		$15.992		$11.217		598,573
		2009		$11.217		$14.346		505,053
		2010		$14.346		$16.150		453,294
		2011		$16.150		$17.385		390,162
		2012		$17.385		$19.835		313,311
		2013		$19.835		$23.429		252,083
		2014		$23.429		$24.170		164,122
		2015		$24.170		$25.338		128,132
UIF Growth Portfolio, Class I
		2006		$12.319		$12.660		194,105
		2007		$12.660		$15.233		144,366
		2008		$15.233		$7.640		148,384
		2009		$7.640		$12.486		108,902
		2010		$12.486		$15.143		79,570
		2011		$15.143		$14.529		56,922
		2012		$14.529		$16.403		48,949
		2013		$16.403		$23.976		30,108
		2014		$23.976		$25.172		26,196
		2015		$25.172		$27.888		20,935
UIF Growth Portfolio, Class II
		2006		$12.265		$12.569		151,518
		2007		$12.569		$15.094		140,241
		2008		$15.094		$7.547		137,100
		2009		$7.547		$12.302		111,308
		2010		$12.302		$14.889		93,535
		2011		$14.889		$14.251		83,860
		2012		$14.251		$16.043		53,842
		2013		$16.043		$23.394		36,287
		2014		$23.394		$24.499		28,446
		2015		$24.499		$27.077		19,950

K-13


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.853		356,563
		2007		$9.853		$11.924		563,913
		2008		$11.924		$6.260		598,655
		2009		$6.260		$9.724		461,143
		2010		$9.724		$12.696		356,333
		2011		$12.696		$11.633		319,107
		2012		$11.633		$12.458		278,100
		2013		$12.458		$16.907		198,564
		2014		$16.907		$16.996		144,673
		2015		$16.996		$15.772		110,125
UIF Small Company Growth Portfolio, Class II
		2006		$17.821		$19.674		125,802
		2007		$19.674		$19.994		118,154
		2008		$19.994		$11.755		110,064
		2009		$11.755		$17.016		88,845
		2010		$17.016		$21.258		76,769
		2011		$21.258		$19.156		57,539
		2012		$19.156		$21.689		39,294
		2013		$21.689		$36.680		25,352
		2014		$36.680		$31.188		14,815
		2015		$31.188		$27.771		10,559
UIF U.S. Real Estate Portfolio, Class II
		2006		$22.602		$30.715		637,273
		2007		$30.715		$25.080		650,191
		2008		$25.080		$15.335		623,745
		2009		$15.335		$19.450		541,734
		2010		$19.450		$24.869		443,526
		2011		$24.869		$25.938		355,414
		2012		$25.938		$29.603		283,923
		2013		$29.603		$29.733		231,532
		2014		$29.733		$37.986		170,407
		2015		$37.986		$38.216		143,016
Van Kampen LIT Money Market Portfolio – Class II
		2006		$10.036		$10.319		805,399
		2007		$10.319		$10.640		838,651
		2008		$10.640		$10.690		865,848
		2009		$10.690		$10.558		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 1.10% and an administrative expense charge of 0.19%.

K-14

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Contracts – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

With the MAV Death Benefit Option, the Enhanced Beneficiary Protection (Annual Increase) Option, both added on or after May 1, 2003, and the Earnings Protection Death Benefit Option (age 71-79)

Mortality & Expense = 2.0


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.228		0
		2007		$10.228		$11.733		0
		2008		$11.733		$6.577		1,365
		2009		$6.577		$8.714		1,352
		2010		$8.714		$9.966		1,400
		2011		$9.966		$9.477		185
		2012		$9.477		$10.765		172
		2013		$10.765		$13.789		161
		2014		$13.789		$15.059		143
		2015		$15.059		$14.790		129
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.419		0
		2007		$10.419		$11.048		0
		2008		$11.048		$8.086		0
		2009		$8.086		$9.803		0
		2010		$9.803		$10.792		0
		2011		$10.792		$10.511		0
		2012		$10.511		$11.471		0
		2013		$11.471		$12.700		0
		2014		$12.700		$12.945		0
		2015		$12.945		$12.595		0
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.448		0
		2007		$10.448		$11.237		0
		2008		$11.237		$7.385		0
		2009		$7.385		$9.286		0
		2010		$9.286		$10.384		0
		2011		$10.384		$10.031		0
		2012		$10.031		$11.093		0
		2013		$11.093		$12.547		0
		2014		$12.547		$12.836		0
		2015		$12.836		$12.497		0
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.457		0
		2007		$10.457		$11.360		0
		2008		$11.360		$6.870		0
		2009		$6.870		$8.814		0
		2010		$8.814		$9.991		0
		2011		$9.991		$9.496		0
		2012		$9.496		$10.698		0
		2013		$10.698		$12.704		0
		2014		$12.704		$13.015		0
		2015		$13.015		$12.663		0

K-15


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.310		0
		2007		$10.310		$10.679		0
		2008		$10.679		$9.327		0
		2009		$9.327		$10.459		0
		2010		$10.459		$10.972		0
		2011		$10.972		$10.881		0
		2012		$10.881		$11.308		0
		2013		$11.308		$11.637		0
		2014		$11.637		$11.785		0
		2015		$11.785		$11.461		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$17.549		0
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.706		0
		2007		$9.706		$11.610		0
		2008		$11.610		$6.271		0
		2009		$6.271		$8.859		0
		2010		$8.859		$10.378		0
		2011		$10.378		$10.197		0
		2012		$10.197		$11.786		0
		2013		$11.786		$15.518		0
		2014		$15.518		$17.050		0
		2015		$17.050		$18.059		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.779		0
		2007		$10.779		$11.088		0
		2008		$11.088		$6.815		1,208
		2009		$6.815		$8.419		1,208
		2010		$8.419		$9.448		1,148
		2011		$9.448		$9.406		0
		2012		$9.406		$10.638		0
		2013		$10.638		$13.725		0
		2014		$13.725		$15.209		0
		2015		$15.209		$15.037		0
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.838		709
		2007		$9.838		$11.097		0
		2008		$11.097		$6.555		109
		2009		$6.555		$8.960		91
		2010		$8.960		$11.268		795
		2011		$11.268		$9.826		756
		2012		$9.826		$11.009		172
		2013		$11.009		$14.631		152
		2014		$14.631		$15.174		145
		2015		$15.174		$14.600		128
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.615		$16.691		4,637
		2007		$16.691		$15.718		4,538
		2008		$15.718		$9.971		3,695
		2009		$9.971		$12.342		3,527
		2010		$12.342		$14.085		3,415
		2011		$14.085		$14.109		3,219
		2012		$14.109		$15.487		3,084
		2013		$15.487		$19.633		2,942
		2014		$19.633		$20.957		1,349
		2015		$20.957		$20.312		1,242

K-16


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.126		$12.868		1,638
		2007		$12.868		$13.057		1,622
		2008		$13.057		$8.984		7,209
		2009		$8.984		$11.915		5,661
		2010		$11.915		$13.131		5,375
		2011		$13.131		$13.150		76
		2012		$13.150		$14.489		0
		2013		$14.489		$16.147		0
		2014		$16.147		$16.523		0
		2015		$16.523		$15.021		0
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.389		$11.269		1,792
		2007		$11.269		$11.708		1,763
		2008		$11.708		$7.497		2,046
		2009		$7.497		$9.513		842
		2010		$9.513		$10.383		851
		2011		$10.383		$10.003		851
		2012		$10.003		$10.994		0
		2013		$10.994		$13.833		0
		2014		$13.833		$15.216		0
		2015		$15.216		$15.720		0
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$10.974		0
		2007		$10.974		$12.004		0
		2008		$12.004		$8.400		950
		2009		$8.400		$10.131		950
		2010		$10.131		$11.095		903
		2011		$11.095		$10.531		0
		2012		$10.531		$11.676		0
		2013		$11.676		$14.574		0
		2014		$14.574		$15.068		0
		2015		$15.068		$14.200		0
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.057		$17.435		12,578
		2007		$17.435		$17.644		12,151
		2008		$17.644		$10.853		4,560
		2009		$10.853		$13.381		3,358
		2010		$13.381		$14.553		3,390
		2011		$14.553		$14.087		2,711
		2012		$14.087		$15.740		1,465
		2013		$15.740		$19.746		1,461
		2014		$19.746		$20.689		1,434
		2015		$20.689		$19.237		1,348
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.682		$21.377		3,743
		2007		$21.377		$20.408		3,681
		2008		$20.408		$13.370		1,603
		2009		$13.370		$16.890		1,578
		2010		$16.890		$21.183		1,573
		2011		$21.183		$19.941		1,514
		2012		$19.941		$23.089		1,050
		2013		$23.089		$30.768		984
		2014		$30.768		$30.266		958
		2015		$30.266		$27.416		917

K-17


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.306		$18.400		0
		2007		$18.400		$20.018		0
		2008		$20.018		$11.258		0
		2009		$11.258		$15.810		0
		2010		$15.810		$19.736		0
		2011		$19.736		$18.372		0
		2012		$18.372		$19.919		0
		2013		$19.919		$26.916		0
		2014		$26.916		$28.294		0
		2015		$28.294		$26.939		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.228		$10.406		1,858
		2007		$10.406		$10.850		1,879
		2008		$10.850		$11.418		3,303
		2009		$11.418		$11.513		3,742
		2010		$11.513		$11.856		2,289
		2011		$11.856		$12.256		2,205
		2012		$12.256		$12.213		576
		2013		$12.213		$11.678		519
		2014		$11.678		$11.809		463
		2015		$11.809		$11.605		407
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.559		$32.024		282
		2007		$32.024		$40.334		281
		2008		$40.334		$18.657		783
		2009		$18.657		$31.496		474
		2010		$31.496		$36.225		658
		2011		$36.225		$29.814		702
		2012		$29.814		$32.998		553
		2013		$32.998		$31.977		677
		2014		$31.977		$28.652		768
		2015		$28.652		$22.531		939
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$16.925		$20.105		1,415
		2007		$20.105		$22.702		1,379
		2008		$22.702		$13.239		1,360
		2009		$13.239		$17.745		261
		2010		$17.745		$18.816		324
		2011		$18.816		$16.447		321
		2012		$16.447		$19.019		278
		2013		$19.019		$22.876		259
		2014		$22.876		$19.884		0
		2015		$19.884		$18.186		98
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.660		$15.069		0
		2007		$15.069		$16.358		0
		2008		$16.358		$16.993		0
		2009		$16.993		$19.726		0
		2010		$19.726		$22.082		0
		2011		$22.082		$21.412		0
		2012		$21.412		$24.097		0
		2013		$24.097		$23.953		0
		2014		$23.953		$23.858		0
		2015		$23.858		$22.331		0

K-18


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$12.858		$12.907		0
		2007		$12.907		$14.724		0
		2008		$14.724		$7.328		0
		2009		$7.328		$11.872		0
		2010		$11.872		$13.885		0
		2011		$13.885		$12.713		0
		2012		$12.713		$14.100		0
		2013		$14.100		$19.280		0
		2014		$19.280		$20.398		0
		2015		$20.398		$20.899		0
Invesco V.I. American Value Fund – Series I
		2006		$12.370		$14.605		952
		2007		$14.605		$15.404		928
		2008		$15.404		$8.845		934
		2009		$8.845		$12.043		483
		2010		$12.043		$14.400		533
		2011		$14.400		$14.215		509
		2012		$14.215		$16.309		212
		2013		$16.309		$21.418		194
		2014		$21.418		$22.992		186
		2015		$22.992		$20.436		175
Invesco V.I. American Value Fund – Series II
		2006		$12.345		$14.566		1,463
		2007		$14.566		$15.348		1,384
		2008		$15.348		$8.794		1,071
		2009		$8.794		$11.969		854
		2010		$11.969		$14.304		836
		2011		$14.304		$14.107		764
		2012		$14.107		$16.154		826
		2013		$16.154		$21.162		779
		2014		$21.162		$22.660		558
		2015		$22.660		$20.089		521
Invesco V.I. Comstock Fund – Series II
		2006		$11.505		$13.059		434
		2007		$13.059		$12.474		1,335
		2008		$12.474		$7.832		1,417
		2009		$7.832		$9.837		0
		2010		$9.837		$11.132		0
		2011		$11.132		$10.659		0
		2012		$10.659		$12.398		0
		2013		$12.398		$16.450		0
		2014		$16.450		$17.554		0
		2015		$17.554		$16.106		0
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.472		$12.633		0
		2007		$12.633		$12.770		0
		2008		$12.770		$9.657		188
		2009		$9.657		$11.570		0
		2010		$11.570		$12.678		0
		2011		$12.678		$12.240		0
		2012		$12.240		$13.454		931
		2013		$13.454		$16.435		886
		2014		$16.435		$17.484		0
		2015		$17.484		$16.659		0

K-19


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$15.937		$18.080		980
		2007		$18.080		$18.128		1,006
		2008		$18.128		$12.019		1,053
		2009		$12.019		$14.590		351
		2010		$14.590		$16.011		356
		2011		$16.011		$15.307		359
		2012		$15.307		$17.119		0
		2013		$17.119		$22.398		0
		2014		$22.398		$24.091		0
		2015		$24.091		$22.782		0
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.047		$12.364		1,701
		2007		$12.364		$14.220		1,542
		2008		$14.220		$7.394		1,675
		2009		$7.394		$11.310		1,536
		2010		$11.310		$14.079		1,461
		2011		$14.079		$12.482		1,459
		2012		$12.482		$13.628		1,415
		2013		$13.628		$18.208		1,387
		2014		$18.208		$19.180		1,352
		2015		$19.180		$18.955		1,262
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.253		$10.965		516
		2007		$10.965		$11.387		513
		2008		$11.387		$9.184		1,345
		2009		$9.184		$12.066		1,324
		2010		$12.066		$13.255		1,260
		2011		$13.255		$13.533		401
		2012		$13.533		$14.895		324
		2013		$14.895		$15.760		308
		2014		$15.760		$16.085		0
		2015		$16.085		$15.492		0
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.398		$12.782		693
		2007		$12.782		$13.341		673
		2008		$13.341		$9.307		729
		2009		$9.307		$11.468		693
		2010		$11.468		$13.351		665
		2011		$13.351		$12.473		665
		2012		$12.473		$13.490		0
		2013		$13.490		$17.913		0
		2014		$17.913		$18.772		0
		2015		$18.772		$17.729		0
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$10.988		$12.604		1,490
		2007		$12.604		$12.750		2,366
		2008		$12.750		$7.928		2,290
		2009		$7.928		$9.220		1,350
		2010		$9.220		$10.589		1,002
		2011		$10.589		$9.728		0
		2012		$9.728		$10.664		0
		2013		$10.664		$14.175		0
		2014		$14.175		$14.926		0
		2015		$14.926		$14.181		0

K-20


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.388		$12.018		0
		2007		$12.018		$14.255		603
		2008		$14.255		$8.610		593
		2009		$8.610		$12.258		105
		2010		$12.258		$14.738		181
		2011		$14.738		$12.967		169
		2012		$12.967		$14.471		129
		2013		$14.471		$19.402		114
		2014		$19.402		$20.129		108
		2015		$20.129		$20.225		93
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.761		$12.912		1,298
		2007		$12.912		$12.701		1,209
		2008		$12.701		$7.533		138
		2009		$7.533		$9.329		128
		2010		$9.329		$11.446		36
		2011		$11.446		$10.746		35
		2012		$10.746		$12.039		0
		2013		$12.039		$15.346		0
		2014		$15.346		$16.740		0
		2015		$16.740		$15.753		0
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.100		$13.799		978
		2007		$13.799		$15.365		957
		2008		$15.365		$8.166		703
		2009		$8.166		$11.513		178
		2010		$11.513		$12.291		176
		2011		$12.291		$11.857		182
		2012		$11.857		$13.198		116
		2013		$13.198		$16.708		116
		2014		$16.708		$18.815		117
		2015		$18.815		$19.004		106
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.206		$15.405		3,150
		2007		$15.405		$15.591		3,216
		2008		$15.591		$8.598		3,352
		2009		$8.598		$10.226		3,564
		2010		$10.226		$11.270		3,632
		2011		$11.270		$11.066		3,624
		2012		$11.066		$12.134		6,344
		2013		$12.134		$13.391		6,290
		2014		$13.391		$14.148		6,241
		2015		$14.148		$13.916		5,876
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.105		$10.371		0
		2007		$10.371		$10.558		0
		2008		$10.558		$6.291		0
		2009		$6.291		$6.711		1,325
		2010		$6.711		$7.304		1,223
		2011		$7.304		$7.711		1,120
		2012		$7.711		$8.309		1,021
		2013		$8.309		$8.096		920
		2014		$8.096		$8.467		821
		2015		$8.467		$8.340		722

K-21


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.795		$15.867		832
		2007		$15.867		$16.455		831
		2008		$16.455		$8.174		829
		2009		$8.174		$10.574		813
		2010		$10.574		$13.151		673
		2011		$13.151		$12.972		673
		2012		$12.972		$14.738		672
		2013		$14.738		$19.550		672
		2014		$19.550		$20.179		671
		2015		$20.179		$20.990		671
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.397		$21.119		571
		2007		$21.119		$21.910		738
		2008		$21.910		$12.787		730
		2009		$12.787		$17.429		168
		2010		$17.429		$19.724		516
		2011		$19.724		$17.648		491
		2012		$17.648		$20.877		0
		2013		$20.877		$25.932		0
		2014		$25.932		$25.885		0
		2015		$25.885		$26.248		0
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$12.855		$13.484		10,777
		2007		$13.484		$14.446		10,148
		2008		$14.446		$12.083		7,832
		2009		$12.083		$13.994		5,592
		2010		$13.994		$15.710		5,089
		2011		$15.710		$15.467		2,500
		2012		$15.467		$17.116		4,062
		2013		$17.116		$16.680		4,121
		2014		$16.680		$16.721		3,644
		2015		$16.721		$15.947		3,218
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.698		$14.636		4,537
		2007		$14.636		$14.246		4,579
		2008		$14.246		$2.985		5,281
		2009		$2.985		$3.678		3,968
		2010		$3.678		$4.117		4,034
		2011		$4.117		$3.924		3,883
		2012		$3.924		$4.338		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$13.898		$15.601		5,949
		2007		$15.601		$15.890		5,788
		2008		$15.890		$9.539		5,841
		2009		$9.539		$11.941		4,397
		2010		$11.941		$13.529		4,342
		2011		$13.529		$13.191		4,296
		2012		$13.191		$15.045		3,441
		2013		$15.045		$19.342		3,224
		2014		$19.342		$20.886		3,028
		2015		$20.886		$21.063		2,783

K-22


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.275		$20.496		1,193
		2007		$20.496		$19.766		1,204
		2008		$19.766		$11.985		1,162
		2009		$11.985		$16.046		1,186
		2010		$16.046		$19.314		1,159
		2011		$19.314		$18.442		1,113
		2012		$18.442		$21.224		850
		2013		$21.224		$29.193		783
		2014		$29.193		$31.881		769
		2015		$31.881		$29.283		745
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$12.244		422
		2010		$12.244		$13.486		416
		2011		$13.486		$13.445		406
		2012		$13.445		$15.688		311
		2013		$15.688		$20.319		295
		2014		$20.319		$22.390		289
		2015		$22.390		$21.234		43
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$12.960		$14.188		4,957
		2007		$14.188		$14.008		5,071
		2008		$14.008		$8.122		5,017
		2009		$8.122		$9.980		5,280
		2010		$9.980		$10.818		5,433
		2011		$10.818		$10.875		5,357
		2012		$10.875		$11.969		4,675
		2013		$11.969		$13.825		4,755
		2014		$13.825		$14.967		4,298
		2015		$14.967		$14.473		3,427
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.831		$15.268		2,800
		2007		$15.268		$15.371		2,792
		2008		$15.371		$10.024		2,790
		2009		$10.024		$13.257		2,774
		2010		$13.257		$14.871		2,765
		2011		$14.871		$14.485		2,760
		2012		$14.485		$16.179		2,752
		2013		$16.179		$18.909		2,739
		2014		$18.909		$20.238		2,732
		2015		$20.238		$19.829		2,218
Putnam VT Global Health Care Fund – Class IB
		2006		$13.063		$13.135		0
		2007		$13.135		$12.769		0
		2008		$12.769		$10.356		0
		2009		$10.356		$12.764		0
		2010		$12.764		$12.792		0
		2011		$12.792		$12.365		0
		2012		$12.365		$14.787		0
		2013		$14.787		$20.490		0
		2014		$20.490		$25.581		0
		2015		$25.581		$26.969		0

K-23


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.690		$21.981		253
		2007		$21.981		$25.785		223
		2008		$25.785		$17.530		217
		2009		$17.530		$18.407		207
		2010		$18.407		$18.334		220
		2011		$18.334		$16.964		237
		2012		$16.964		$17.428		0
		2013		$17.428		$19.401		0
		2014		$19.401		$21.743		0
		2015		$21.743		$19.158		0
Putnam VT Growth and Income Fund – Class IB
		2006		$15.050		$17.064		2,310
		2007		$17.064		$15.680		2,411
		2008		$15.680		$9.401		1,319
		2009		$9.401		$11.937		1,262
		2010		$11.937		$13.354		1,250
		2011		$13.354		$12.456		1,241
		2012		$12.456		$14.514		3,098
		2013		$14.514		$19.261		2,994
		2014		$19.261		$20.862		2,742
		2015		$20.862		$18.869		1,901
Putnam VT High Yield Fund – Class IB
		2006		$14.495		$15.671		3,201
		2007		$15.671		$15.754		3,211
		2008		$15.754		$11.392		1,049
		2009		$11.392		$16.735		1,632
		2010		$16.735		$18.667		1,594
		2011		$18.667		$18.579		1,512
		2012		$18.579		$21.081		1,091
		2013		$21.081		$22.239		1,034
		2014		$22.239		$22.091		975
		2015		$22.091		$20.450		577
Putnam VT Income Fund – Class IB
		2006		$10.639		$10.877		12,594
		2007		$10.877		$11.194		12,384
		2008		$11.194		$8.329		7,522
		2009		$8.329		$11.948		4,690
		2010		$11.948		$12.839		4,914
		2011		$12.839		$13.187		4,669
		2012		$13.187		$14.283		3,687
		2013		$14.283		$14.232		3,772
		2014		$14.232		$14.819		3,457
		2015		$14.819		$14.283		2,693
Putnam VT International Equity Fund – Class IB
		2006		$16.628		$20.774		1,480
		2007		$20.774		$22.016		1,750
		2008		$22.016		$12.069		750
		2009		$12.069		$14.712		725
		2010		$14.712		$15.833		590
		2011		$15.833		$12.864		588
		2012		$12.864		$15.340		586
		2013		$15.340		$19.215		583
		2014		$19.215		$17.521		525
		2015		$17.521		$17.161		0

K-24


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.176		$16.913		2,889
		2007		$16.913		$15.686		2,800
		2008		$15.686		$9.274		2,641
		2009		$9.274		$11.867		2,515
		2010		$11.867		$13.223		2,464
		2011		$13.223		$12.940		2,359
		2012		$12.940		$14.786		2,003
		2013		$14.786		$19.542		1,903
		2014		$19.542		$21.774		315
		2015		$21.774		$20.833		0
Putnam VT Money Market Fund – Class IB
		2006		$9.692		$9.897		9,943
		2007		$9.897		$10.142		8,870
		2008		$10.142		$10.175		6,205
		2009		$10.175		$9.973		7,393
		2010		$9.973		$9.758		5,755
		2011		$9.758		$9.546		5,402
		2012		$9.546		$9.337		4,199
		2013		$9.337		$9.134		4,010
		2014		$9.134		$8.934		3,820
		2015		$8.934		$8.740		2,941
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.609		$16.574		80
		2007		$16.574		$17.140		76
		2008		$17.140		$10.268		0
		2009		$10.268		$13.271		0
		2010		$13.271		$15.520		513
		2011		$15.520		$14.409		506
		2012		$14.409		$16.454		430
		2013		$16.454		$21.959		429
		2014		$21.959		$24.375		214
		2015		$24.375		$23.772		0
Putnam VT New Value Fund – Class IB
		2006		$16.978		$19.267		1,051
		2007		$19.267		$17.922		1,086
		2008		$17.922		$9.683		880
		2009		$9.683		$9.110		0
Putnam VT Research Fund – Class IB
		2006		$14.098		$15.350		639
		2007		$15.350		$15.096		661
		2008		$15.096		$9.074		563
		2009		$9.074		$11.820		502
		2010		$11.820		$13.455		474
		2011		$13.455		$12.931		466
		2012		$12.931		$14.913		69
		2013		$14.913		$19.453		52
		2014		$19.453		$21.855		46
		2015		$21.855		$21.046		43
Putnam VT Vista Fund – Class IB
		2006		$17.194		$17.735		528
		2007		$17.735		$18.005		523
		2008		$18.005		$9.590		509
		2009		$9.590		$13.014		490
		2010		$13.014		$14.806		0

K-25


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.118		$13.529		3,165
		2007		$13.529		$13.961		3,139
		2008		$13.961		$8.598		1,766
		2009		$8.598		$13.784		1,946
		2010		$13.784		$16.286		2,107
		2011		$16.286		$13.087		2,128
		2012		$13.087		$14.621		1,366
		2013		$14.621		$20.554		1,363
		2014		$20.554		$22.058		1,359
		2015		$22.058		$20.256		679
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.322		$17.691		1,351
		2007		$17.691		$18.407		1,247
		2008		$18.407		$15.307		1,282
		2009		$15.307		$19.481		925
		2010		$19.481		$20.910		914
		2011		$20.910		$21.862		829
		2012		$21.862		$25.204		570
		2013		$25.204		$22.493		557
		2014		$22.493		$22.637		532
		2015		$22.637		$21.881		442
UIF Global Franchise Portfolio, Class II
		2006		$12.081		$14.359		475
		2007		$14.359		$15.417		475
		2008		$15.417		$10.715		0
		2009		$10.715		$13.579		0
		2010		$13.579		$15.147		0
		2011		$15.147		$16.157		0
		2012		$16.157		$18.266		0
		2013		$18.266		$21.379		0
		2014		$21.379		$21.854		0
		2015		$21.854		$22.701		0
UIF Growth Portfolio, Class I
		2006		$12.133		$12.355		443
		2007		$12.355		$14.730		430
		2008		$14.730		$7.320		1,747
		2009		$7.320		$11.854		1,642
		2010		$11.854		$14.245		1,537
		2011		$14.245		$13.544		1,442
		2012		$13.544		$15.151		1,290
		2013		$15.151		$21.944		1,192
		2014		$21.944		$22.828		1,092
		2015		$22.828		$25.061		999
UIF Growth Portfolio, Class II
		2006		$12.080		$12.266		1,083
		2007		$12.266		$14.595		864
		2008		$14.595		$7.231		0
		2009		$7.231		$11.679		0
		2010		$11.679		$14.007		0
		2011		$14.007		$13.284		0
		2012		$13.284		$14.819		0
		2013		$14.819		$21.411		0
		2014		$21.411		$22.218		0
		2015		$22.218		$24.332		0

K-26


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.793		0
		2007		$9.793		$11.743		0
		2008		$11.743		$6.108		1,756
		2009		$6.108		$9.402		1,568
		2010		$9.402		$12.164		1,428
		2011		$12.164		$11.044		1,386
		2012		$11.044		$11.719		1,535
		2013		$11.719		$15.758		1,504
		2014		$15.758		$15.697		1,459
		2015		$15.697		$14.434		1,571
UIF Small Company Growth Portfolio, Class II
		2006		$17.392		$19.025		1,359
		2007		$19.025		$19.158		1,371
		2008		$19.158		$11.161		1,449
		2009		$11.161		$16.008		1,333
		2010		$16.008		$19.816		1,317
		2011		$19.816		$17.694		1,256
		2012		$17.694		$19.851		986
		2013		$19.851		$33.266		834
		2014		$33.266		$28.027		920
		2015		$28.027		$24.728		947
UIF U.S. Real Estate Portfolio, Class II
		2006		$21.972		$29.588		1,822
		2007		$29.588		$23.938		2,051
		2008		$23.938		$14.502		1,387
		2009		$14.502		$18.226		1,178
		2010		$18.226		$23.092		1,063
		2011		$23.092		$23.866		1,001
		2012		$23.866		$26.988		702
		2013		$26.988		$26.860		682
		2014		$26.860		$34.003		503
		2015		$34.003		$33.898		428
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.854		$10.040		2,852
		2007		$10.040		$10.257		2,651
		2008		$10.257		$10.212		2,030
		2009		$10.212		$9.997		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 2.00% and an administrative expense charge of 0.19%.

K-27

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Plus Contracts – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

Basic Contract

Mortality & Expense = 1.4


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.270		283,913
		2007		$10.270		$11.854		439,032
		2008		$11.854		$6.685		480,294
		2009		$6.685		$8.913		414,170
		2010		$8.913		$10.256		390,878
		2011		$10.256		$9.812		328,026
		2012		$9.812		$11.214		263,639
		2013		$11.214		$14.452		208,215
		2014		$14.452		$15.879		124,565
		2015		$15.879		$15.692		86,931
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.462		4,820
		2007		$10.462		$11.161		4,337
		2008		$11.161		$8.219		21,445
		2009		$8.219		$10.026		20,638
		2010		$10.026		$11.105		24,739
		2011		$11.105		$10.882		31,381
		2012		$10.882		$11.949		27,650
		2013		$11.949		$13.311		15,569
		2014		$13.311		$13.651		15,606
		2015		$13.651		$13.362		15,282
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.491		3,082
		2007		$10.491		$11.353		24,445
		2008		$11.353		$7.507		76,943
		2009		$7.507		$9.497		42,398
		2010		$9.497		$10.686		24,372
		2011		$10.686		$10.385		20,099
		2012		$10.385		$11.556		20,090
		2013		$11.556		$13.150		19,948
		2014		$13.150		$13.536		9,709
		2015		$13.536		$13.259		8,703
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.500		11,481
		2007		$10.500		$11.477		15,501
		2008		$11.477		$6.983		16,534
		2009		$6.983		$9.015		14,671
		2010		$9.015		$10.281		11,064
		2011		$10.281		$9.832		11,005
		2012		$9.832		$11.144		9,303
		2013		$11.144		$13.315		1,342
		2014		$13.315		$13.724		1,336
		2015		$13.724		$13.435		1,329

K-28


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.352		519
		2007		$10.352		$10.789		26,730
		2008		$10.789		$9.481		28,748
		2009		$9.481		$10.696		42,972
		2010		$10.696		$11.290		26,391
		2011		$11.290		$11.265		16,487
		2012		$11.265		$11.779		16,734
		2013		$11.779		$12.196		11,555
		2014		$12.196		$12.427		5,977
		2015		$12.427		$12.159		40,085
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$18.618		5,207
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.746		5,960
		2007		$9.746		$11.730		9,721
		2008		$11.730		$6.375		14,136
		2009		$6.375		$9.061		11,849
		2010		$9.061		$10.680		28,798
		2011		$10.680		$10.557		6,595
		2012		$10.557		$12.277		5,235
		2013		$12.277		$16.264		5,195
		2014		$16.264		$17.979		5,350
		2015		$17.979		$19.079		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.824		20,407
		2007		$10.824		$11.203		123,148
		2008		$11.203		$6.928		109,337
		2009		$6.928		$8.611		97,080
		2010		$8.611		$9.722		76,446
		2011		$9.722		$9.738		69,814
		2012		$9.738		$11.081		69,766
		2013		$11.081		$14.385		62,988
		2014		$14.385		$16.037		53,332
		2015		$16.037		$15.953		45,964
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.879		86,590
		2007		$9.879		$11.212		104,391
		2008		$11.212		$6.663		132,298
		2009		$6.663		$9.164		126,233
		2010		$9.164		$11.595		127,785
		2011		$11.595		$10.173		99,189
		2012		$10.173		$11.468		88,208
		2013		$11.468		$15.334		60,494
		2014		$15.334		$16.001		50,381
		2015		$16.001		$15.490		36,088
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.888		$17.107		540,890
		2007		$17.107		$16.210		496,501
		2008		$16.210		$10.345		358,524
		2009		$10.345		$12.884		320,788
		2010		$12.884		$14.795		269,363
		2011		$14.795		$14.910		221,946
		2012		$14.910		$16.467		167,346
		2013		$16.467		$21.003		137,879
		2014		$21.003		$22.557		106,678
		2015		$22.557		$21.997		86,383

K-29


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.240		$13.079		1,218,293
		2007		$13.079		$13.354		1,368,496
		2008		$13.354		$9.244		1,325,003
		2009		$9.244		$12.335		1,176,879
		2010		$12.335		$13.677		1,056,219
		2011		$13.677		$13.781		908,749
		2012		$13.781		$15.278		756,563
		2013		$15.278		$17.131		640,191
		2014		$17.131		$17.637		486,642
		2015		$17.637		$16.132		370,061
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.468		$11.425		762,291
		2007		$11.425		$11.943		867,606
		2008		$11.943		$7.695		791,913
		2009		$7.695		$9.824		661,491
		2010		$9.824		$10.788		589,255
		2011		$10.788		$10.457		538,908
		2012		$10.457		$11.563		488,472
		2013		$11.563		$14.638		377,225
		2014		$14.638		$16.200		257,544
		2015		$16.200		$16.839		189,452
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$11.019		119,365
		2007		$11.019		$12.127		189,293
		2008		$12.127		$8.538		209,202
		2009		$8.538		$10.362		204,171
		2010		$10.362		$11.417		203,468
		2011		$11.417		$10.903		165,956
		2012		$10.903		$12.162		129,794
		2013		$12.162		$15.274		109,632
		2014		$15.274		$15.889		100,049
		2015		$15.889		$15.066		84,606
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.338		$17.869		682,906
		2007		$17.869		$18.195		703,665
		2008		$18.195		$11.261		570,057
		2009		$11.261		$13.969		456,695
		2010		$13.969		$15.286		413,760
		2011		$15.286		$14.886		328,778
		2012		$14.886		$16.736		258,164
		2013		$16.736		$21.124		208,084
		2014		$21.124		$22.269		175,544
		2015		$22.269		$20.833		122,970
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$19.031		$21.909		293,264
		2007		$21.909		$21.046		271,427
		2008		$21.046		$13.873		238,542
		2009		$13.873		$17.632		203,382
		2010		$17.632		$22.249		178,119
		2011		$22.249		$21.073		159,996
		2012		$21.073		$24.550		130,689
		2013		$24.550		$32.915		95,172
		2014		$32.915		$32.577		69,221
		2015		$32.577		$29.691		53,797

K-30


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.630		$18.858		10,502
		2007		$18.858		$20.643		7,403
		2008		$20.643		$11.681		7,971
		2009		$11.681		$16.505		6,474
		2010		$16.505		$20.730		6,329
		2011		$20.730		$19.415		5,300
		2012		$19.415		$21.179		4,441
		2013		$21.179		$28.795		3,826
		2014		$28.795		$30.454		3,533
		2015		$30.454		$29.173		3,247
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.333		$10.577		187,553
		2007		$10.577		$11.096		248,011
		2008		$11.096		$11.748		319,693
		2009		$11.748		$11.919		489,931
		2010		$11.919		$12.350		474,324
		2011		$12.350		$12.844		442,131
		2012		$12.844		$12.878		416,091
		2013		$12.878		$12.390		386,826
		2014		$12.390		$12.605		334,908
		2015		$12.605		$12.464		271,232
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$26.037		$32.822		112,374
		2007		$32.822		$41.594		130,198
		2008		$41.594		$19.358		97,736
		2009		$19.358		$32.879		82,067
		2010		$32.879		$38.048		74,938
		2011		$38.048		$31.506		70,883
		2012		$31.506		$35.085		53,993
		2013		$35.085		$34.209		41,921
		2014		$34.209		$30.840		35,644
		2015		$30.840		$24.400		24,128
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$17.241		$20.606		530,191
		2007		$20.606		$23.411		597,641
		2008		$23.411		$13.736		554,748
		2009		$13.736		$18.525		462,135
		2010		$18.525		$19.763		416,002
		2011		$19.763		$17.381		349,257
		2012		$17.381		$20.223		306,522
		2013		$20.223		$24.473		254,896
		2014		$24.473		$21.402		212,838
		2015		$21.402		$19.695		167,645
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.916		$15.444		3,331
		2007		$15.444		$16.870		3,277
		2008		$16.870		$17.632		4,741
		2009		$17.632		$20.593		16,455
		2010		$20.593		$23.194		16,292
		2011		$23.194		$22.627		12,353
		2012		$22.627		$25.621		2,411
		2013		$25.621		$25.625		3,016
		2014		$25.625		$25.680		2,933
		2015		$25.680		$24.183		2,435

K-31


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$13.098		$13.229		171,720
		2007		$13.229		$15.184		151,568
		2008		$15.184		$7.603		112,940
		2009		$7.603		$12.394		91,359
		2010		$12.394		$14.584		83,468
		2011		$14.584		$13.435		71,038
		2012		$13.435		$14.992		52,770
		2013		$14.992		$20.625		42,685
		2014		$20.625		$21.955		28,312
		2015		$21.955		$22.633		23,075
Invesco V.I. American Value Fund – Series I
		2006		$12.497		$14.844		112,320
		2007		$14.844		$15.753		100,885
		2008		$15.753		$9.101		86,957
		2009		$9.101		$12.468		80,040
		2010		$12.468		$14.999		74,826
		2011		$14.999		$14.897		33,214
		2012		$14.897		$17.197		27,133
		2013		$17.197		$22.723		22,062
		2014		$22.723		$24.542		17,611
		2015		$24.542		$21.948		16,770
Invesco V.I. American Value Fund – Series II
		2006		$12.472		$14.805		114,995
		2007		$14.805		$15.697		163,770
		2008		$15.697		$9.049		159,408
		2009		$9.049		$12.392		137,628
		2010		$12.392		$14.900		113,213
		2011		$14.900		$14.785		96,736
		2012		$14.785		$17.033		79,808
		2013		$17.033		$22.451		60,703
		2014		$22.451		$24.188		44,452
		2015		$24.188		$21.575		33,255
Invesco V.I. Comstock Fund – Series II
		2006		$11.622		$13.273		633,111
		2007		$13.273		$12.757		537,385
		2008		$12.757		$8.059		477,119
		2009		$8.059		$10.184		420,385
		2010		$10.184		$11.596		363,992
		2011		$11.596		$11.171		274,028
		2012		$11.171		$13.073		218,950
		2013		$13.073		$17.452		157,198
		2014		$17.452		$18.738		110,395
		2015		$18.738		$17.298		73,145
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.589		$12.840		280,682
		2007		$12.840		$13.060		347,010
		2008		$13.060		$9.937		331,539
		2009		$9.937		$11.978		319,241
		2010		$11.978		$13.206		288,945
		2011		$13.206		$12.827		218,094
		2012		$12.827		$14.187		184,583
		2013		$14.187		$17.436		156,838
		2014		$17.436		$18.663		130,364
		2015		$18.663		$17.891		65,015

K-32


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$16.235		$18.530		443,130
		2007		$18.530		$18.694		418,529
		2008		$18.694		$12.471		341,355
		2009		$12.471		$15.231		303,451
		2010		$15.231		$16.817		282,302
		2011		$16.817		$16.176		248,084
		2012		$16.176		$18.202		205,120
		2013		$18.202		$23.961		158,397
		2014		$23.961		$25.930		119,484
		2015		$25.930		$24.672		94,635
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.171		$12.567		40,593
		2007		$12.567		$14.543		31,988
		2008		$14.543		$7.609		24,363
		2009		$7.609		$11.709		22,391
		2010		$11.709		$14.665		20,707
		2011		$14.665		$13.082		18,347
		2012		$13.082		$14.370		17,567
		2013		$14.370		$19.318		12,156
		2014		$19.318		$20.473		9,232
		2015		$20.473		$20.357		7,948
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.332		$11.116		348,673
		2007		$11.116		$11.615		442,802
		2008		$11.615		$9.426		376,145
		2009		$9.426		$12.459		332,066
		2010		$12.459		$13.771		301,339
		2011		$13.771		$14.147		255,685
		2012		$14.147		$15.666		233,070
		2013		$15.666		$16.677		196,169
		2014		$16.677		$17.125		151,531
		2015		$17.125		$16.595		110,626
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.485		$12.958		137,579
		2007		$12.958		$13.608		130,324
		2008		$13.608		$9.552		134,300
		2009		$9.552		$11.842		109,583
		2010		$11.842		$13.871		95,400
		2011		$13.871		$13.038		88,093
		2012		$13.038		$14.188		66,896
		2013		$14.188		$18.955		52,434
		2014		$18.955		$19.986		39,269
		2015		$19.986		$18.991		21,599
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$11.072		$12.778		435,257
		2007		$12.778		$13.006		437,477
		2008		$13.006		$8.137		375,485
		2009		$8.137		$9.521		333,553
		2010		$9.521		$11.001		275,904
		2011		$11.001		$10.169		220,574
		2012		$10.169		$11.216		203,565
		2013		$11.216		$15.000		157,549
		2014		$15.000		$15.891		64,109
		2015		$15.891		$15.191		51,116

K-33


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.475		$12.184		104,562
		2007		$12.184		$14.541		150,622
		2008		$14.541		$8.837		157,421
		2009		$8.837		$12.658		127,029
		2010		$12.658		$15.312		111,055
		2011		$15.312		$13.555		76,483
		2012		$13.555		$15.220		65,856
		2013		$15.220		$20.531		46,742
		2014		$20.531		$21.431		37,077
		2015		$21.431		$21.665		24,415
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.851		$13.090		439,310
		2007		$13.090		$12.955		414,136
		2008		$12.955		$7.732		385,510
		2009		$7.732		$9.634		313,448
		2010		$9.634		$11.892		279,411
		2011		$11.892		$11.233		229,133
		2012		$11.233		$12.662		195,171
		2013		$12.662		$16.239		153,746
		2014		$16.239		$17.823		109,675
		2015		$17.823		$16.875		78,427
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.316		$14.111		831,237
		2007		$14.111		$15.810		733,219
		2008		$15.810		$8.454		552,440
		2009		$8.454		$11.993		462,878
		2010		$11.993		$12.881		415,802
		2011		$12.881		$12.503		321,140
		2012		$12.503		$14.002		253,964
		2013		$14.002		$17.835		196,192
		2014		$17.835		$20.206		145,759
		2015		$20.206		$20.535		109,487
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.472		$15.789		286,137
		2007		$15.789		$16.078		289,544
		2008		$16.078		$8.921		200,630
		2009		$8.921		$10.676		127,991
		2010		$10.676		$11.838		117,180
		2011		$11.838		$11.695		101,343
		2012		$11.695		$12.901		91,675
		2013		$12.901		$14.326		78,628
		2014		$14.326		$15.228		70,986
		2015		$15.228		$15.071		52,436
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.182		$10.515		416,500
		2007		$10.515		$10.770		725,278
		2008		$10.770		$6.457		718,452
		2009		$6.457		$6.929		739,474
		2010		$6.929		$7.589		603,480
		2011		$7.589		$8.060		487,812
		2012		$8.060		$8.739		471,302
		2013		$8.739		$8.567		435,034
		2014		$8.567		$9.015		333,061
		2015		$9.015		$8.934		250,751

K-34


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$16.090		$16.263		59,133
		2007		$16.263		$16.969		58,286
		2008		$16.969		$8.481		43,515
		2009		$8.481		$11.038		34,131
		2010		$11.038		$13.814		28,946
		2011		$13.814		$13.708		31,963
		2012		$13.708		$15.670		29,897
		2013		$15.670		$20.915		26,038
		2014		$20.915		$21.720		24,233
		2015		$21.720		$22.731		22,483
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.740		$21.645		182,436
		2007		$21.645		$22.595		161,936
		2008		$22.595		$13.267		117,070
		2009		$13.267		$18.195		102,975
		2010		$18.195		$20.717		85,054
		2011		$20.717		$18.650		74,086
		2012		$18.650		$22.198		53,562
		2013		$22.198		$27.741		40,892
		2014		$27.741		$27.861		29,708
		2015		$27.861		$28.425		20,386
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$13.095		$13.820		936,505
		2007		$13.820		$14.898		898,573
		2008		$14.898		$12.537		714,766
		2009		$12.537		$14.609		670,287
		2010		$14.609		$16.501		582,180
		2011		$16.501		$16.344		475,810
		2012		$16.344		$18.199		465,136
		2013		$18.199		$17.844		381,730
		2014		$17.844		$17.998		305,506
		2015		$17.998		$17.270		239,275
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.955		$15.000		226,400
		2007		$15.000		$14.691		214,333
		2008		$14.691		$3.098		410,839
		2009		$3.098		$3.840		412,793
		2010		$3.840		$4.324		361,109
		2011		$4.324		$4.147		316,812
		2012		$4.147		$4.608		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$14.157		$15.989		723,778
		2007		$15.989		$16.387		716,425
		2008		$16.387		$9.897		655,439
		2009		$9.897		$12.466		584,230
		2010		$12.466		$14.210		509,223
		2011		$14.210		$13.940		448,432
		2012		$13.940		$15.997		381,051
		2013		$15.997		$20.692		292,946
		2014		$20.692		$22.480		210,360
		2015		$22.480		$22.810		153,227

K-35


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.617		$21.007		277,326
		2007		$21.007		$20.384		252,656
		2008		$20.384		$12.436		188,278
		2009		$12.436		$16.752		149,396
		2010		$16.752		$20.286		121,390
		2011		$20.286		$19.489		105,259
		2012		$19.489		$22.567		90,368
		2013		$22.567		$31.230		67,802
		2014		$31.230		$34.316		50,103
		2015		$34.316		$31.712		39,220
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$12.783		270,276
		2010		$12.783		$14.165		240,229
		2011		$14.165		$14.208		203,258
		2012		$14.208		$16.681		174,991
		2013		$16.681		$21.737		137,676
		2014		$21.737		$24.100		96,147
		2015		$24.100		$22.995		80,032
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$13.202		$14.542		234,261
		2007		$14.542		$14.446		206,764
		2008		$14.446		$8.427		155,173
		2009		$8.427		$10.418		144,056
		2010		$10.418		$11.363		130,769
		2011		$11.363		$11.492		120,765
		2012		$11.492		$12.726		100,574
		2013		$12.726		$14.790		89,907
		2014		$14.790		$16.109		71,290
		2015		$16.109		$15.674		62,171
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$14.089		$15.649		130,113
		2007		$15.649		$15.851		142,847
		2008		$15.851		$10.401		100,708
		2009		$10.401		$13.839		89,383
		2010		$13.839		$15.620		78,587
		2011		$15.620		$15.308		65,430
		2012		$15.308		$17.202		46,262
		2013		$17.202		$20.229		41,476
		2014		$20.229		$21.783		33,557
		2015		$21.783		$21.474		21,420
Putnam VT Global Health Care Fund – Class IB
		2006		$13.308		$13.462		40,028
		2007		$13.462		$13.168		38,972
		2008		$13.168		$10.746		31,865
		2009		$10.746		$13.325		27,216
		2010		$13.325		$13.436		27,103
		2011		$13.436		$13.067		22,709
		2012		$13.067		$15.723		20,443
		2013		$15.723		$21.919		17,546
		2014		$21.919		$27.534		14,661
		2015		$27.534		$29.206		12,211

K-36


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$18.020		$22.529		37,029
		2007		$22.529		$26.590		34,126
		2008		$26.590		$18.188		31,541
		2009		$18.188		$19.216		25,166
		2010		$19.216		$19.257		24,394
		2011		$19.257		$17.927		21,215
		2012		$17.927		$18.530		14,695
		2013		$18.530		$20.755		13,586
		2014		$20.755		$23.403		8,541
		2015		$23.403		$20.747		3,452
Putnam VT Growth and Income Fund – Class IB
		2006		$15.331		$17.489		266,435
		2007		$17.489		$16.170		244,115
		2008		$16.170		$9.755		223,397
		2009		$9.755		$12.461		197,345
		2010		$12.461		$14.027		162,734
		2011		$14.027		$13.163		134,412
		2012		$13.163		$15.433		110,487
		2013		$15.433		$20.606		93,534
		2014		$20.606		$22.455		79,270
		2015		$22.455		$20.434		74,973
Putnam VT High Yield Fund – Class IB
		2006		$14.766		$16.062		300,762
		2007		$16.062		$16.246		292,179
		2008		$16.246		$11.820		204,275
		2009		$11.820		$17.470		183,498
		2010		$17.470		$19.606		165,844
		2011		$19.606		$19.634		140,532
		2012		$19.634		$22.414		113,633
		2013		$22.414		$23.790		91,399
		2014		$23.790		$23.777		72,646
		2015		$23.777		$22.147		57,285
Putnam VT Income Fund – Class IB
		2006		$10.838		$11.149		1,001,618
		2007		$11.149		$11.544		1,052,702
		2008		$11.544		$8.642		754,881
		2009		$8.642		$12.472		619,477
		2010		$12.472		$13.486		546,039
		2011		$13.486		$13.935		445,768
		2012		$13.935		$15.187		403,067
		2013		$15.187		$15.225		349,813
		2014		$15.225		$15.950		271,554
		2015		$15.950		$15.468		209,002
Putnam VT International Equity Fund – Class IB
		2006		$16.939		$21.291		244,922
		2007		$21.291		$22.704		205,176
		2008		$22.704		$12.523		164,011
		2009		$12.523		$15.359		145,629
		2010		$15.359		$16.630		133,045
		2011		$16.630		$13.595		120,706
		2012		$13.595		$16.310		103,528
		2013		$16.310		$20.557		77,716
		2014		$20.557		$18.859		65,975
		2015		$18.859		$18.585		53,100

K-37


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.460		$17.334		114,672
		2007		$17.334		$16.176		92,519
		2008		$16.176		$9.623		61,381
		2009		$9.623		$12.389		54,368
		2010		$12.389		$13.889		51,133
		2011		$13.889		$13.675		47,305
		2012		$13.675		$15.722		35,820
		2013		$15.722		$20.906		31,256
		2014		$20.906		$23.436		28,781
		2015		$23.436		$22.561		27,117
Putnam VT Money Market Fund – Class IB
		2006		$9.873		$10.144		1,326,605
		2007		$10.144		$10.459		1,230,632
		2008		$10.459		$10.557		1,168,900
		2009		$10.557		$10.411		1,045,501
		2010		$10.411		$10.249		909,223
		2011		$10.249		$10.088		817,149
		2012		$10.088		$9.928		700,211
		2013		$9.928		$9.771		664,568
		2014		$9.771		$9.617		489,731
		2015		$9.617		$9.465		415,951
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.900		$16.987		56,689
		2007		$16.987		$17.675		53,275
		2008		$17.675		$10.654		46,425
		2009		$10.654		$13.855		43,295
		2010		$13.855		$16.301		67,256
		2011		$16.301		$15.227		59,876
		2012		$15.227		$17.496		50,327
		2013		$17.496		$23.492		39,966
		2014		$23.492		$26.237		38,522
		2015		$26.237		$25.745		37,589
Putnam VT New Value Fund – Class IB
		2006		$17.296		$19.747		342,022
		2007		$19.747		$18.481		367,814
		2008		$18.481		$10.047		315,350
		2009		$10.047		$9.460		0
Putnam VT Research Fund – Class IB
		2006		$14.361		$15.733		17,578
		2007		$15.733		$15.568		16,380
		2008		$15.568		$9.415		16,221
		2009		$9.415		$12.340		13,193
		2010		$12.340		$14.132		10,427
		2011		$14.132		$13.665		8,739
		2012		$13.665		$15.857		6,755
		2013		$15.857		$20.811		5,900
		2014		$20.811		$23.524		4,878
		2015		$23.524		$22.792		4,138
Putnam VT Vista Fund – Class IB
		2006		$17.515		$18.177		43,154
		2007		$18.177		$18.568		38,321
		2008		$18.568		$9.950		30,685
		2009		$9.950		$13.586		27,854
		2010		$13.586		$15.526		0

K-38


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.363		$13.866		183,695
		2007		$13.866		$14.398		171,556
		2008		$14.398		$8.922		134,351
		2009		$8.922		$14.390		120,884
		2010		$14.390		$17.106		107,042
		2011		$17.106		$13.830		95,187
		2012		$13.830		$15.546		79,316
		2013		$15.546		$21.988		59,087
		2014		$21.988		$23.742		44,549
		2015		$23.742		$21.936		40,210
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.627		$18.131		100,034
		2007		$18.131		$18.983		96,018
		2008		$18.983		$15.882		83,252
		2009		$15.882		$20.337		65,956
		2010		$20.337		$21.963		62,028
		2011		$21.963		$23.103		54,786
		2012		$23.103		$26.798		46,091
		2013		$26.798		$24.063		45,353
		2014		$24.063		$24.365		35,085
		2015		$24.365		$23.696		29,418
UIF Global Franchise Portfolio, Class II
		2006		$12.230		$14.625		272,665
		2007		$14.625		$15.798		294,419
		2008		$15.798		$11.048		255,720
		2009		$11.048		$14.086		226,866
		2010		$14.086		$15.809		197,080
		2011		$15.809		$16.967		161,094
		2012		$16.967		$19.299		125,040
		2013		$19.299		$22.727		101,184
		2014		$22.727		$23.374		79,540
		2015		$23.374		$24.429		43,659
UIF Growth Portfolio, Class I
		2006		$12.257		$12.558		173,605
		2007		$12.558		$15.064		150,677
		2008		$15.064		$7.532		80,186
		2009		$7.532		$12.272		67,644
		2010		$12.272		$14.838		58,516
		2011		$14.838		$14.194		56,387
		2012		$14.194		$15.976		41,660
		2013		$15.976		$23.280		23,028
		2014		$23.280		$24.367		20,724
		2015		$24.367		$26.915		16,003
UIF Growth Portfolio, Class II
		2006		$12.203		$12.468		124,471
		2007		$12.468		$14.926		106,403
		2008		$14.926		$7.440		37,889
		2009		$7.440		$12.092		26,990
		2010		$12.092		$14.590		22,022
		2011		$14.590		$13.922		21,100
		2012		$13.922		$15.625		19,567
		2013		$15.625		$22.716		13,216
		2014		$22.716		$23.716		12,370
		2015		$23.716		$26.132		9,953

K-39


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.833		92,016
		2007		$9.833		$11.864		215,863
		2008		$11.864		$6.209		236,127
		2009		$6.209		$9.616		186,191
		2010		$9.616		$12.517		148,828
		2011		$12.517		$11.434		133,416
		2012		$11.434		$12.207		129,237
		2013		$12.207		$16.516		87,252
		2014		$16.516		$16.553		62,450
		2015		$16.553		$15.314		51,415
UIF Small Company Growth Portfolio, Class II
		2006		$17.677		$19.456		35,605
		2007		$19.456		$19.712		38,349
		2008		$19.712		$11.554		27,627
		2009		$11.554		$16.675		26,656
		2010		$16.675		$20.768		27,188
		2011		$20.768		$18.657		24,626
		2012		$18.657		$21.060		18,811
		2013		$21.060		$35.508		14,675
		2014		$35.508		$30.100		10,520
		2015		$30.100		$26.720		9,582
UIF U.S. Real Estate Portfolio, Class II
		2006		$22.382		$30.325		181,974
		2007		$30.325		$24.686		156,400
		2008		$24.686		$15.048		151,102
		2009		$15.048		$19.028		125,186
		2010		$19.028		$24.254		104,933
		2011		$24.254		$25.221		92,839
		2012		$25.221		$28.696		78,744
		2013		$28.696		$28.735		69,490
		2014		$28.735		$36.599		50,182
		2015		$36.599		$36.710		37,557
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.975		$10.226		302,731
		2007		$10.226		$10.511		398,400
		2008		$10.511		$10.529		314,797
		2009		$10.529		$10.368		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 1.40% and an administrative expense charge of 0.19%.

K-40

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Plus Contracts – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

With the MAV Death Benefit Option, the Enhanced Beneficiary Protection (Annual Increase) Option, both added on or after May1, 2003, and the Earnings Protection Death Benefit Option (age 71-79)

Mortality & Expense = 2.3


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.207		0
		2007		$10.207		$11.673		0
		2008		$11.673		$6.523		0
		2009		$6.523		$8.616		0
		2010		$8.616		$9.824		0
		2011		$9.824		$9.313		0
		2012		$9.313		$10.547		0
		2013		$10.547		$13.467		0
		2014		$13.467		$14.663		0
		2015		$14.663		$14.357		0
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.397		0
		2007		$10.397		$10.991		0
		2008		$10.991		$8.020		0
		2009		$8.020		$9.693		0
		2010		$9.693		$10.638		0
		2011		$10.638		$10.329		0
		2012		$10.329		$11.238		0
		2013		$11.238		$12.404		0
		2014		$12.404		$12.605		0
		2015		$12.605		$12.226		0
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.427		0
		2007		$10.427		$11.179		0
		2008		$11.179		$7.325		0
		2009		$7.325		$9.182		0
		2010		$9.182		$10.236		0
		2011		$10.236		$9.858		0
		2012		$9.858		$10.868		0
		2013		$10.868		$12.255		0
		2014		$12.255		$12.498		0
		2015		$12.498		$12.131		0
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.436		0
		2007		$10.436		$11.302		0
		2008		$11.302		$6.813		0
		2009		$6.813		$8.715		0
		2010		$8.715		$9.849		0
		2011		$9.849		$9.332		0
		2012		$9.332		$10.481		0
		2013		$10.481		$12.408		0
		2014		$12.408		$12.673		0
		2015		$12.673		$12.292		0

K-41


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.289		0
		2007		$10.289		$10.624		0
		2008		$10.624		$9.251		0
		2009		$9.251		$10.341		0
		2010		$10.341		$10.815		0
		2011		$10.815		$10.693		0
		2012		$10.693		$11.079		0
		2013		$11.079		$11.366		0
		2014		$11.366		$11.475		0
		2015		$11.475		$11.125		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$17.035		0
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.686		0
		2007		$9.686		$11.551		0
		2008		$11.551		$6.220		0
		2009		$6.220		$8.760		0
		2010		$8.760		$10.230		0
		2011		$10.230		$10.021		0
		2012		$10.021		$11.547		0
		2013		$11.547		$15.156		0
		2014		$15.156		$16.602		0
		2015		$16.602		$17.567		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.757		0
		2007		$10.757		$11.031		0
		2008		$11.031		$6.759		0
		2009		$6.759		$8.325		0
		2010		$8.325		$9.313		0
		2011		$9.313		$9.244		0
		2012		$9.244		$10.422		0
		2013		$10.422		$13.405		0
		2014		$13.405		$14.809		0
		2015		$14.809		$14.596		0
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.818		0
		2007		$9.818		$11.040		0
		2008		$11.040		$6.501		0
		2009		$6.501		$8.859		0
		2010		$8.859		$11.107		0
		2011		$11.107		$9.656		0
		2012		$9.656		$10.786		0
		2013		$10.786		$14.290		0
		2014		$14.290		$14.775		0
		2015		$14.775		$14.172		0
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.472		$16.477		963
		2007		$16.477		$15.469		1,185
		2008		$15.469		$9.782		1,244
		2009		$9.782		$12.072		1,094
		2010		$12.072		$13.735		1,085
		2011		$13.735		$13.716		400
		2012		$13.716		$15.009		388
		2013		$15.009		$18.968		133
		2014		$18.968		$20.186		132
		2015		$20.186		$19.504		131

K-42


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.069		$12.763		0
		2007		$12.763		$12.911		0
		2008		$12.911		$8.856		0
		2009		$8.856		$11.709		0
		2010		$11.709		$12.865		0
		2011		$12.865		$12.844		0
		2012		$12.844		$14.108		0
		2013		$14.108		$15.675		0
		2014		$15.675		$15.990		0
		2015		$15.990		$14.492		0
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.349		$11.192		6,505
		2007		$11.192		$11.592		6,371
		2008		$11.592		$7.400		6,487
		2009		$7.400		$9.361		6,662
		2010		$9.361		$10.186		6,770
		2011		$10.186		$9.783		7,683
		2012		$9.783		$10.719		2,016
		2013		$10.719		$13.445		1,835
		2014		$13.445		$14.744		1,712
		2015		$14.744		$15.186		1,104
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$10.951		0
		2007		$10.951		$11.942		200
		2008		$11.942		$8.331		199
		2009		$8.331		$10.018		197
		2010		$10.018		$10.936		195
		2011		$10.936		$10.349		194
		2012		$10.349		$11.439		192
		2013		$11.439		$14.234		191
		2014		$14.234		$14.672		190
		2015		$14.672		$13.785		188
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$14.909		$17.211		0
		2007		$17.211		$17.364		0
		2008		$17.364		$10.648		0
		2009		$10.648		$13.088		0
		2010		$13.088		$14.191		0
		2011		$14.191		$13.694		0
		2012		$13.694		$15.254		0
		2013		$15.254		$19.078		0
		2014		$19.078		$19.928		0
		2015		$19.928		$18.472		0
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.498		$21.102		4,871
		2007		$21.102		$20.084		4,745
		2008		$20.084		$13.117		4,658
		2009		$13.117		$16.520		4,515
		2010		$16.520		$20.655		3,165
		2011		$20.655		$19.385		3,074
		2012		$19.385		$22.376		2,032
		2013		$22.376		$29.727		1,947
		2014		$29.727		$29.152		1,846
		2015		$29.152		$26.326		1,747

K-43


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.137		$18.164		0
		2007		$18.164		$19.700		0
		2008		$19.700		$11.045		0
		2009		$11.045		$15.464		0
		2010		$15.464		$19.244		0
		2011		$19.244		$17.860		0
		2012		$17.860		$19.303		0
		2013		$19.303		$26.005		0
		2014		$26.005		$27.252		0
		2015		$27.252		$25.867		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.176		$10.322		0
		2007		$10.322		$10.728		0
		2008		$10.728		$11.255		0
		2009		$11.255		$11.315		0
		2010		$11.315		$11.616		0
		2011		$11.616		$11.971		0
		2012		$11.971		$11.892		0
		2013		$11.892		$11.337		0
		2014		$11.337		$11.428		0
		2015		$11.428		$11.197		0
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.309		$31.613		34
		2007		$31.613		$39.694		98
		2008		$39.694		$18.304		169
		2009		$18.304		$30.806		157
		2010		$30.806		$35.323		92
		2011		$35.323		$28.983		91
		2012		$28.983		$31.979		95
		2013		$31.979		$30.895		64
		2014		$30.895		$27.597		64
		2015		$27.597		$21.634		64
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$16.759		$19.847		3,197
		2007		$19.847		$22.342		3,034
		2008		$22.342		$12.988		3,180
		2009		$12.988		$17.356		3,016
		2010		$17.356		$18.347		2,985
		2011		$18.347		$15.988		3,679
		2012		$15.988		$18.432		1,315
		2013		$18.432		$22.102		725
		2014		$22.102		$19.152		777
		2015		$19.152		$17.462		775
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.526		$14.875		0
		2007		$14.875		$16.099		0
		2008		$16.099		$16.672		0
		2009		$16.672		$19.294		0
		2010		$19.294		$21.533		0
		2011		$21.533		$20.815		0
		2012		$20.815		$23.353		0
		2013		$23.353		$23.143		0
		2014		$23.143		$22.980		0
		2015		$22.980		$21.443		0

K-44


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$12.732		$12.742		14,773
		2007		$12.742		$14.490		14,117
		2008		$14.490		$7.189		12,744
		2009		$7.189		$11.612		12,635
		2010		$11.612		$13.539		9,787
		2011		$13.539		$12.359		9,206
		2012		$12.359		$13.665		8,713
		2013		$13.665		$18.627		8,295
		2014		$18.627		$19.647		7,798
		2015		$19.647		$20.068		7,312
Invesco V.I. American Value Fund – Series I
		2006		$12.307		$14.486		1,011
		2007		$14.486		$15.231		963
		2008		$15.231		$8.719		963
		2009		$8.719		$11.835		963
		2010		$11.835		$14.108		913
		2011		$14.108		$13.884		859
		2012		$13.884		$15.881		812
		2013		$15.881		$20.792		112
		2014		$20.792		$22.251		106
		2015		$22.251		$19.716		101
Invesco V.I. American Value Fund – Series II
		2006		$12.282		$14.447		0
		2007		$14.447		$15.176		153
		2008		$15.176		$8.668		152
		2009		$8.668		$11.763		150
		2010		$11.763		$14.014		149
		2011		$14.014		$13.779		395
		2012		$13.779		$15.729		375
		2013		$15.729		$20.542		331
		2014		$20.542		$21.929		314
		2015		$21.929		$19.382		321
Invesco V.I. Comstock Fund – Series II
		2006		$11.446		$12.952		2,016
		2007		$12.952		$12.334		2,145
		2008		$12.334		$7.721		2,244
		2009		$7.721		$9.667		2,369
		2010		$9.667		$10.906		2,332
		2011		$10.906		$10.411		2,320
		2012		$10.411		$12.072		549
		2013		$12.072		$15.969		530
		2014		$15.969		$16.988		512
		2015		$16.988		$15.539		244
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.413		$12.530		0
		2007		$12.530		$12.627		0
		2008		$12.627		$9.520		0
		2009		$9.520		$11.370		2,501
		2010		$11.370		$12.421		2,466
		2011		$12.421		$11.955		2,429
		2012		$11.955		$13.101		2,396
		2013		$13.101		$15.954		2,363
		2014		$15.954		$16.920		2,331
		2015		$16.920		$16.072		0

K-45


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$15.781		$17.848		4,770
		2007		$17.848		$17.840		4,656
		2008		$17.840		$11.792		4,541
		2009		$11.792		$14.270		4,564
		2010		$14.270		$15.612		4,380
		2011		$15.612		$14.880		4,296
		2012		$14.880		$16.590		1,759
		2013		$16.590		$21.640		682
		2014		$21.640		$23.204		659
		2015		$23.204		$21.876		466
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$11.986		$12.263		1,003
		2007		$12.263		$14.061		955
		2008		$14.061		$7.289		956
		2009		$7.289		$11.114		956
		2010		$11.114		$13.794		906
		2011		$13.794		$12.192		852
		2012		$12.192		$13.270		806
		2013		$13.270		$17.676		111
		2014		$17.676		$18.561		105
		2015		$18.561		$18.287		99
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.214		$10.890		3,659
		2007		$10.890		$11.274		3,579
		2008		$11.274		$9.065		2,148
		2009		$9.065		$11.873		2,116
		2010		$11.873		$13.003		2,116
		2011		$13.003		$13.236		2,538
		2012		$13.236		$14.523		1,115
		2013		$14.523		$15.319		901
		2014		$15.319		$15.586		871
		2015		$15.586		$14.966		647
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.355		$12.694		0
		2007		$12.694		$13.208		0
		2008		$13.208		$9.186		0
		2009		$9.186		$11.284		0
		2010		$11.284		$13.097		0
		2011		$13.097		$12.198		0
		2012		$12.198		$13.152		0
		2013		$13.152		$17.411		0
		2014		$17.411		$18.190		0
		2015		$18.190		$17.126		0
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$10.946		$12.518		0
		2007		$12.518		$12.624		0
		2008		$12.624		$7.826		1,062
		2009		$7.826		$9.073		1,183
		2010		$9.073		$10.388		0
		2011		$10.388		$9.513		0
		2012		$9.513		$10.397		0
		2013		$10.397		$13.778		0
		2014		$13.778		$14.463		0
		2015		$14.463		$13.699		0

K-46


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.344		$11.936		0
		2007		$11.936		$14.114		0
		2008		$14.114		$8.499		0
		2009		$8.499		$12.062		0
		2010		$12.062		$14.458		0
		2011		$14.458		$12.682		0
		2012		$12.682		$14.109		0
		2013		$14.109		$18.859		0
		2014		$18.859		$19.505		0
		2015		$19.505		$19.538		0
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.716		$12.823		3,504
		2007		$12.823		$12.574		3,802
		2008		$12.574		$7.435		4,518
		2009		$7.435		$9.180		4,598
		2010		$9.180		$11.228		3,893
		2011		$11.228		$10.510		3,962
		2012		$10.510		$11.738		496
		2013		$11.738		$14.916		164
		2014		$14.916		$16.221		163
		2015		$16.221		$15.218		162
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$12.994		$13.644		3,427
		2007		$13.644		$15.146		3,202
		2008		$15.146		$8.025		4,955
		2009		$8.025		$11.280		4,347
		2010		$11.280		$12.005		3,381
		2011		$12.005		$11.546		2,288
		2012		$11.546		$12.812		691
		2013		$12.812		$16.170		449
		2014		$16.170		$18.152		434
		2015		$18.152		$18.279		206
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.067		$15.207		469
		2007		$15.207		$15.343		460
		2008		$15.343		$8.435		0
		2009		$8.435		$10.002		0
		2010		$10.002		$10.990		0
		2011		$10.990		$10.758		0
		2012		$10.758		$11.759		0
		2013		$11.759		$12.938		0
		2014		$12.938		$13.627		0
		2015		$13.627		$13.363		0
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.066		$10.300		0
		2007		$10.300		$10.453		0
		2008		$10.453		$6.210		0
		2009		$6.210		$6.603		0
		2010		$6.603		$7.165		0
		2011		$7.165		$7.541		2,486
		2012		$7.541		$8.101		2,441
		2013		$8.101		$7.869		2,644
		2014		$7.869		$8.205		2,508
		2015		$8.205		$8.057		2,360

K-47


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.640		$15.664		4,465
		2007		$15.664		$16.193		4,277
		2008		$16.193		$8.019		3,927
		2009		$8.019		$10.342		3,895
		2010		$10.342		$12.824		2,865
		2011		$12.824		$12.610		2,702
		2012		$12.610		$14.283		2,564
		2013		$14.283		$18.889		2,447
		2014		$18.889		$19.436		2,308
		2015		$19.436		$20.155		2,172
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.216		$20.848		140
		2007		$20.848		$21.563		138
		2008		$21.563		$12.545		135
		2009		$12.545		$17.047		144
		2010		$17.047		$19.233		139
		2011		$19.233		$17.156		142
		2012		$17.156		$20.232		151
		2013		$20.232		$25.054		0
		2014		$25.054		$24.932		0
		2015		$24.932		$25.204		0
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$12.729		$13.310		8,414
		2007		$13.310		$14.217		7,968
		2008		$14.217		$11.855		5,798
		2009		$11.855		$13.688		5,757
		2010		$13.688		$15.319		5,418
		2011		$15.319		$15.035		4,336
		2012		$15.035		$16.588		4,640
		2013		$16.588		$16.115		1,846
		2014		$16.115		$16.106		1,778
		2015		$16.106		$15.313		1,067
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.564		$14.448		3,461
		2007		$14.448		$14.020		3,340
		2008		$14.020		$2.929		3,933
		2009		$2.929		$3.597		3,566
		2010		$3.597		$4.014		3,315
		2011		$4.014		$3.814		2,063
		2012		$3.814		$4.207		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$13.761		$15.400		6,907
		2007		$15.400		$15.638		6,790
		2008		$15.638		$9.358		7,509
		2009		$9.358		$11.680		7,613
		2010		$11.680		$13.192		7,319
		2011		$13.192		$12.823		7,522
		2012		$12.823		$14.580		3,105
		2013		$14.580		$18.687		1,884
		2014		$18.687		$20.117		1,799
		2015		$20.117		$20.226		1,123

K-48


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.096		$20.234		1,714
		2007		$20.234		$19.452		1,740
		2008		$19.452		$11.759		2,077
		2009		$11.759		$15.695		1,980
		2010		$15.695		$18.833		1,634
		2011		$18.833		$17.927		1,610
		2012		$17.927		$20.569		560
		2013		$20.569		$28.205		77
		2014		$28.205		$30.708		73
		2015		$30.708		$28.118		69
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$11.976		13,127
		2010		$11.976		$13.150		10,689
		2011		$13.150		$13.070		10,121
		2012		$13.070		$15.204		8,261
		2013		$15.204		$19.631		7,836
		2014		$19.631		$21.566		7,370
		2015		$21.566		$20.389		6,744
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$12.833		$14.006		1,869
		2007		$14.006		$13.786		1,731
		2008		$13.786		$7.968		833
		2009		$7.968		$9.761		530
		2010		$9.761		$10.548		271
		2011		$10.548		$10.571		268
		2012		$10.571		$11.599		265
		2013		$11.599		$13.357		262
		2014		$13.357		$14.416		259
		2015		$14.416		$13.898		256
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.695		$15.072		736
		2007		$15.072		$15.127		726
		2008		$15.127		$9.835		0
		2009		$9.835		$12.966		0
		2010		$12.966		$14.501		0
		2011		$14.501		$14.081		0
		2012		$14.081		$15.679		0
		2013		$15.679		$18.269		0
		2014		$18.269		$19.493		0
		2015		$19.493		$19.041		0
Putnam VT Global Health Care Fund – Class IB
		2006		$12.935		$12.966		65
		2007		$12.966		$12.566		53
		2008		$12.566		$10.161		41
		2009		$10.161		$12.484		22
		2010		$12.484		$12.474		8
		2011		$12.474		$12.020		8
		2012		$12.020		$14.330		8
		2013		$14.330		$19.796		8
		2014		$19.796		$24.639		8
		2015		$24.639		$25.897		8

K-49


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.516		$21.699		0
		2007		$21.699		$25.376		0
		2008		$25.376		$17.199		0
		2009		$17.199		$18.004		0
		2010		$18.004		$17.878		0
		2011		$17.878		$16.491		0
		2012		$16.491		$16.890		0
		2013		$16.890		$18.745		0
		2014		$18.745		$20.943		0
		2015		$20.943		$18.396		0
Putnam VT Growth and Income Fund – Class IB
		2006		$14.902		$16.845		148
		2007		$16.845		$15.431		132
		2008		$15.431		$9.224		122
		2009		$9.224		$11.675		81
		2010		$11.675		$13.022		44
		2011		$13.022		$12.109		44
		2012		$12.109		$14.066		43
		2013		$14.066		$18.609		43
		2014		$18.609		$20.094		42
		2015		$20.094		$18.118		42
Putnam VT High Yield Fund – Class IB
		2006		$14.353		$15.470		387
		2007		$15.470		$15.504		405
		2008		$15.504		$11.177		3,131
		2009		$11.177		$16.368		2,981
		2010		$16.368		$18.202		2,936
		2011		$18.202		$18.061		2,789
		2012		$18.061		$20.430		2,745
		2013		$20.430		$21.486		2,711
		2014		$21.486		$21.278		2,676
		2015		$21.278		$19.637		132
Putnam VT Income Fund – Class IB
		2006		$10.535		$10.738		7,270
		2007		$10.738		$11.016		7,160
		2008		$11.016		$8.171		4,637
		2009		$8.171		$11.686		4,048
		2010		$11.686		$12.520		3,996
		2011		$12.520		$12.819		4,112
		2012		$12.819		$13.842		2,613
		2013		$13.842		$13.750		2,648
		2014		$13.750		$14.273		2,536
		2015		$14.273		$13.715		1,839
Putnam VT International Equity Fund – Class IB
		2006		$16.465		$20.507		8,194
		2007		$20.507		$21.667		7,989
		2008		$21.667		$11.841		7,104
		2009		$11.841		$14.390		7,057
		2010		$14.390		$15.439		4,119
		2011		$15.439		$12.505		3,937
		2012		$12.505		$14.866		3,781
		2013		$14.866		$18.565		3,648
		2014		$18.565		$16.876		3,494
		2015		$16.876		$16.478		3,342

K-50


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.027		$16.696		0
		2007		$16.696		$15.437		0
		2008		$15.437		$9.099		0
		2009		$9.099		$11.607		0
		2010		$11.607		$12.894		0
		2011		$12.894		$12.579		0
		2012		$12.579		$14.329		0
		2013		$14.329		$18.881		0
		2014		$18.881		$20.972		0
		2015		$20.972		$20.005		0
Putnam VT Money Market Fund – Class IB
		2006		$9.597		$9.770		9,762
		2007		$9.770		$9.981		9,632
		2008		$9.981		$9.982		4,607
		2009		$9.982		$9.754		7,609
		2010		$9.754		$9.515		7,675
		2011		$9.515		$9.279		7,027
		2012		$9.279		$9.049		4,992
		2013		$9.049		$8.824		24,369
		2014		$8.824		$8.605		22,939
		2015		$8.605		$8.392		1,365
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.456		$16.362		0
		2007		$16.362		$16.868		0
		2008		$16.868		$10.074		0
		2009		$10.074		$12.980		0
		2010		$12.980		$15.133		0
		2011		$15.133		$14.007		0
		2012		$14.007		$15.946		0
		2013		$15.946		$21.216		0
		2014		$21.216		$23.478		0
		2015		$23.478		$22.827		0
Putnam VT New Value Fund – Class IB
		2006		$16.812		$19.020		14,500
		2007		$19.020		$17.637		14,265
		2008		$17.637		$9.500		13,254
		2009		$9.500		$8.935		0
Putnam VT Research Fund – Class IB
		2006		$13.960		$15.153		0
		2007		$15.153		$14.856		0
		2008		$14.856		$8.902		0
		2009		$8.902		$11.561		0
		2010		$11.561		$13.120		0
		2011		$13.120		$12.570		0
		2012		$12.570		$14.453		0
		2013		$14.453		$18.795		0
		2014		$18.795		$21.050		0
		2015		$21.050		$20.209		0
Putnam VT Vista Fund – Class IB
		2006		$17.025		$17.507		0
		2007		$17.507		$17.719		0
		2008		$17.719		$9.408		0
		2009		$9.408		$12.729		0
		2010		$12.729		$14.449		0

K-51


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$12.989		$13.355		0
		2007		$13.355		$13.740		0
		2008		$13.740		$8.436		0
		2009		$8.436		$13.482		0
		2010		$13.482		$15.881		0
		2011		$15.881		$12.722		0
		2012		$12.722		$14.169		0
		2013		$14.169		$19.858		0
		2014		$19.858		$21.246		0
		2015		$21.246		$19.450		0
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.162		$17.464		0
		2007		$17.464		$18.115		0
		2008		$18.115		$15.018		0
		2009		$15.018		$19.054		0
		2010		$19.054		$20.390		0
		2011		$20.390		$21.252		0
		2012		$21.252		$24.426		0
		2013		$24.426		$21.732		0
		2014		$21.732		$21.804		0
		2015		$21.804		$21.011		0
UIF Global Franchise Portfolio, Class II
		2006		$12.007		$14.228		0
		2007		$14.228		$15.228		159
		2008		$15.228		$10.551		157
		2009		$10.551		$13.331		156
		2010		$13.331		$14.825		154
		2011		$14.825		$15.765		153
		2012		$15.765		$17.768		152
		2013		$17.768		$20.732		151
		2014		$20.732		$21.128		150
		2015		$21.128		$21.879		149
UIF Growth Portfolio, Class I
		2006		$12.071		$12.254		3,405
		2007		$12.254		$14.565		3,141
		2008		$14.565		$7.216		3,594
		2009		$7.216		$11.649		2,973
		2010		$11.649		$13.956		2,840
		2011		$13.956		$13.229		1,648
		2012		$13.229		$14.753		1,558
		2013		$14.753		$21.301		215
		2014		$21.301		$22.092		203
		2015		$22.092		$24.179		192
UIF Growth Portfolio, Class II
		2006		$12.018		$12.166		0
		2007		$12.166		$14.432		0
		2008		$14.432		$7.127		0
		2009		$7.127		$11.478		0
		2010		$11.478		$13.723		0
		2011		$13.723		$12.975		0
		2012		$12.975		$14.429		0
		2013		$14.429		$20.785		0
		2014		$20.785		$21.501		0
		2015		$21.501		$23.475		0

K-52


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.772		0
		2007		$9.772		$11.682		0
		2008		$11.682		$6.058		0
		2009		$6.058		$9.296		0
		2010		$9.296		$11.990		0
		2011		$11.990		$10.853		314
		2012		$10.853		$11.481		313
		2013		$11.481		$15.391		248
		2014		$15.391		$15.284		243
		2015		$15.284		$14.011		246
UIF Small Company Growth Portfolio, Class II
		2006		$17.250		$18.813		0
		2007		$18.813		$18.885		0
		2008		$18.885		$10.968		0
		2009		$10.968		$15.684		0
		2010		$15.684		$19.355		0
		2011		$19.355		$17.229		0
		2012		$17.229		$19.270		0
		2013		$19.270		$32.194		0
		2014		$32.194		$27.040		0
		2015		$27.040		$23.784		0
UIF U.S. Real Estate Portfolio, Class II
		2006		$21.756		$29.208		2,198
		2007		$29.208		$23.558		2,284
		2008		$23.558		$14.228		1,464
		2009		$14.228		$17.827		1,466
		2010		$17.827		$22.516		1,397
		2011		$22.516		$23.200		1,316
		2012		$23.200		$26.155		1,248
		2013		$26.155		$25.950		239
		2014		$25.950		$32.751		230
		2015		$32.751		$32.550		221
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.793		$9.948		0
		2007		$9.948		$10.132		0
		2008		$10.132		$10.056		4,793
		2009		$10.056		$9.815		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 2.30% and an administrative expense charge of 0.19%.

K-53

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with 5 Year

Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

Basic Contract

Mortality & Expense = 1.4


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.270		58,931
		2007		$10.270		$11.854		205,386
		2008		$11.854		$6.685		199,825
		2009		$6.685		$8.913		180,795
		2010		$8.913		$10.256		164,209
		2011		$10.256		$9.812		144,054
		2012		$9.812		$11.214		100,760
		2013		$11.214		$14.452		78,733
		2014		$14.452		$15.879		62,262
		2015		$15.879		$15.692		43,992
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.462		22,865
		2007		$10.462		$11.161		49,421
		2008		$11.161		$8.219		88,629
		2009		$8.219		$10.026		71,540
		2010		$10.026		$11.105		60,223
		2011		$11.105		$10.882		59,897
		2012		$10.882		$11.949		52,071
		2013		$11.949		$13.311		33,428
		2014		$13.311		$13.651		7,548
		2015		$13.651		$13.362		7,230
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.491		0
		2007		$10.491		$11.353		0
		2008		$11.353		$7.507		8,967
		2009		$7.507		$9.497		8,524
		2010		$9.497		$10.686		9,013
		2011		$10.686		$10.385		8,631
		2012		$10.385		$11.556		6,431
		2013		$11.556		$13.150		7,914
		2014		$13.150		$13.536		7,914
		2015		$13.536		$13.259		7,914
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.500		4,936
		2007		$10.500		$11.477		3,177
		2008		$11.477		$6.983		1,002
		2009		$6.983		$9.015		607
		2010		$9.015		$10.281		603
		2011		$10.281		$9.832		601
		2012		$9.832		$11.144		13,252
		2013		$11.144		$13.315		12,857
		2014		$13.315		$13.724		12,812
		2015		$13.724		$13.435		12,768

K-54


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.352		2,423
		2007		$10.352		$10.789		4,787
		2008		$10.789		$9.481		6,169
		2009		$9.481		$10.696		10,903
		2010		$10.696		$11.290		10,351
		2011		$11.290		$11.265		9,775
		2012		$11.265		$11.779		7,250
		2013		$11.779		$12.196		4,066
		2014		$12.196		$12.427		3,112
		2015		$12.427		$12.159		2,614
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$18.618		248
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.746		0
		2007		$9.746		$11.730		1,813
		2008		$11.730		$6.375		1,340
		2009		$6.375		$9.061		1,008
		2010		$9.061		$10.680		99
		2011		$10.680		$10.557		96
		2012		$10.557		$12.277		0
		2013		$12.277		$16.264		0
		2014		$16.264		$17.979		249
		2015		$17.979		$19.079		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.824		22,952
		2007		$10.824		$11.203		55,881
		2008		$11.203		$6.928		58,510
		2009		$6.928		$8.611		60,521
		2010		$8.611		$9.722		58,553
		2011		$9.722		$9.738		57,984
		2012		$9.738		$11.081		53,033
		2013		$11.081		$14.385		52,953
		2014		$14.385		$16.037		52,904
		2015		$16.037		$15.953		52,881
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.879		9,989
		2007		$9.879		$11.212		38,987
		2008		$11.212		$6.663		39,134
		2009		$6.663		$9.164		36,579
		2010		$9.164		$11.595		34,385
		2011		$11.595		$10.173		30,938
		2012		$10.173		$11.468		24,184
		2013		$11.468		$15.334		22,235
		2014		$15.334		$16.001		20,163
		2015		$16.001		$15.490		16,418
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.888		$17.107		84,562
		2007		$17.107		$16.210		90,229
		2008		$16.210		$10.345		80,421
		2009		$10.345		$12.884		72,551
		2010		$12.884		$14.795		53,880
		2011		$14.795		$14.910		37,462
		2012		$14.910		$16.467		29,246
		2013		$16.467		$21.003		22,322
		2014		$21.003		$22.557		18,398
		2015		$22.557		$21.997		16,634

K-55


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.240		$13.079		488,323
		2007		$13.079		$13.354		651,119
		2008		$13.354		$9.244		569,671
		2009		$9.244		$12.335		496,401
		2010		$12.335		$13.677		413,030
		2011		$13.677		$13.781		278,944
		2012		$13.781		$15.278		197,379
		2013		$15.278		$17.131		157,183
		2014		$17.131		$17.637		138,150
		2015		$17.637		$16.132		106,179
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.468		$11.425		209,179
		2007		$11.425		$11.943		242,913
		2008		$11.943		$7.695		220,904
		2009		$7.695		$9.824		190,232
		2010		$9.824		$10.788		161,248
		2011		$10.788		$10.457		119,551
		2012		$10.457		$11.563		96,199
		2013		$11.563		$14.638		77,959
		2014		$14.638		$16.200		63,161
		2015		$16.200		$16.839		46,654
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$11.019		28,256
		2007		$11.019		$12.127		139,069
		2008		$12.127		$8.538		142,841
		2009		$8.538		$10.362		133,223
		2010		$10.362		$11.417		120,659
		2011		$11.417		$10.903		93,404
		2012		$10.903		$12.162		66,637
		2013		$12.162		$15.274		55,629
		2014		$15.274		$15.889		42,986
		2015		$15.889		$15.066		37,227
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.338		$17.869		248,012
		2007		$17.869		$18.195		286,267
		2008		$18.195		$11.261		235,403
		2009		$11.261		$13.969		193,701
		2010		$13.969		$15.286		159,607
		2011		$15.286		$14.886		113,515
		2012		$14.886		$16.736		83,588
		2013		$16.736		$21.124		65,702
		2014		$21.124		$22.269		57,172
		2015		$22.269		$20.833		51,216
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$19.031		$21.909		67,453
		2007		$21.909		$21.046		74,742
		2008		$21.046		$13.873		68,129
		2009		$13.873		$17.632		59,102
		2010		$17.632		$22.249		49,377
		2011		$22.249		$21.073		40,278
		2012		$21.073		$24.550		34,393
		2013		$24.550		$32.915		21,277
		2014		$32.915		$32.577		19,452
		2015		$32.577		$29.691		18,105

K-56


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.630		$18.858		1,833
		2007		$18.858		$20.643		1,745
		2008		$20.643		$11.681		1,870
		2009		$11.681		$16.505		1,956
		2010		$16.505		$20.730		1,713
		2011		$20.730		$19.415		1,657
		2012		$19.415		$21.179		1,756
		2013		$21.179		$28.795		1,604
		2014		$28.795		$30.454		1,006
		2015		$30.454		$29.173		993
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.333		$10.577		69,659
		2007		$10.577		$11.096		71,356
		2008		$11.096		$11.748		84,106
		2009		$11.748		$11.919		121,665
		2010		$11.919		$12.350		100,956
		2011		$12.350		$12.844		80,072
		2012		$12.844		$12.878		70,496
		2013		$12.878		$12.390		61,136
		2014		$12.390		$12.605		47,756
		2015		$12.605		$12.464		39,922
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$26.037		$32.822		33,128
		2007		$32.822		$41.594		21,398
		2008		$41.594		$19.358		21,909
		2009		$19.358		$32.879		20,227
		2010		$32.879		$38.048		17,301
		2011		$38.048		$31.506		14,612
		2012		$31.506		$35.085		14,814
		2013		$35.085		$34.209		13,969
		2014		$34.209		$30.840		11,106
		2015		$30.840		$24.400		12,384
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$17.241		$20.606		214,900
		2007		$20.606		$23.411		229,814
		2008		$23.411		$13.736		198,347
		2009		$13.736		$18.525		163,288
		2010		$18.525		$19.763		133,918
		2011		$19.763		$17.381		105,338
		2012		$17.381		$20.223		77,549
		2013		$20.223		$24.473		63,996
		2014		$24.473		$21.402		59,239
		2015		$21.402		$19.695		49,363
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.916		$15.444		2,751
		2007		$15.444		$16.870		2,584
		2008		$16.870		$17.632		1,829
		2009		$17.632		$20.593		2,009
		2010		$20.593		$23.194		69
		2011		$23.194		$22.627		0
		2012		$22.627		$25.621		0
		2013		$25.621		$25.625		0
		2014		$25.625		$25.680		0
		2015		$25.680		$24.183		0

K-57


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$13.098		$13.229		43,766
		2007		$13.229		$15.184		46,533
		2008		$15.184		$7.603		41,011
		2009		$7.603		$12.394		33,167
		2010		$12.394		$14.584		24,429
		2011		$14.584		$13.435		17,815
		2012		$13.435		$14.992		10,675
		2013		$14.992		$20.625		8,938
		2014		$20.625		$21.955		5,535
		2015		$21.955		$22.633		6,150
Invesco V.I. American Value Fund – Series I
		2006		$12.497		$14.844		17,725
		2007		$14.844		$15.753		14,683
		2008		$15.753		$9.101		13,906
		2009		$9.101		$12.468		12,012
		2010		$12.468		$14.999		6,277
		2011		$14.999		$14.897		2,052
		2012		$14.897		$17.197		2,714
		2013		$17.197		$22.723		1,559
		2014		$22.723		$24.542		1,242
		2015		$24.542		$21.948		829
Invesco V.I. American Value Fund – Series II
		2006		$12.472		$14.805		40,335
		2007		$14.805		$15.697		53,940
		2008		$15.697		$9.049		55,316
		2009		$9.049		$12.392		47,020
		2010		$12.392		$14.900		38,572
		2011		$14.900		$14.785		36,190
		2012		$14.785		$17.033		29,136
		2013		$17.033		$22.451		23,501
		2014		$22.451		$24.188		17,127
		2015		$24.188		$21.575		11,574
Invesco V.I. Comstock Fund – Series II
		2006		$11.622		$13.273		162,673
		2007		$13.273		$12.757		166,026
		2008		$12.757		$8.059		133,110
		2009		$8.059		$10.184		123,616
		2010		$10.184		$11.596		99,310
		2011		$11.596		$11.171		80,657
		2012		$11.171		$13.073		51,767
		2013		$13.073		$17.452		34,514
		2014		$17.452		$18.738		29,530
		2015		$18.738		$17.298		19,591
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.589		$12.840		139,142
		2007		$12.840		$13.060		160,968
		2008		$13.060		$9.937		149,835
		2009		$9.937		$11.978		125,212
		2010		$11.978		$13.206		104,510
		2011		$13.206		$12.827		91,610
		2012		$12.827		$14.187		72,177
		2013		$14.187		$17.436		63,122
		2014		$17.436		$18.663		55,130
		2015		$18.663		$17.891		35,698

K-58


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$16.235		$18.530		121,276
		2007		$18.530		$18.694		125,665
		2008		$18.694		$12.471		111,525
		2009		$12.471		$15.231		92,694
		2010		$15.231		$16.817		72,582
		2011		$16.817		$16.176		63,083
		2012		$16.176		$18.202		53,803
		2013		$18.202		$23.961		42,372
		2014		$23.961		$25.930		28,083
		2015		$25.930		$24.672		26,131
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.171		$12.567		7,898
		2007		$12.567		$14.543		7,549
		2008		$14.543		$7.609		6,352
		2009		$7.609		$11.709		5,887
		2010		$11.709		$14.665		5,666
		2011		$14.665		$13.082		4,466
		2012		$13.082		$14.370		3,166
		2013		$14.370		$19.318		3,141
		2014		$19.318		$20.473		26
		2015		$20.473		$20.357		24
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.332		$11.116		124,486
		2007		$11.116		$11.615		173,757
		2008		$11.615		$9.426		146,403
		2009		$9.426		$12.459		128,757
		2010		$12.459		$13.771		104,848
		2011		$13.771		$14.147		71,472
		2012		$14.147		$15.666		56,930
		2013		$15.666		$16.677		47,281
		2014		$16.677		$17.125		34,669
		2015		$17.125		$16.595		27,513
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.485		$12.958		33,197
		2007		$12.958		$13.608		39,496
		2008		$13.608		$9.552		35,683
		2009		$9.552		$11.842		30,990
		2010		$11.842		$13.871		23,559
		2011		$13.871		$13.038		21,416
		2012		$13.038		$14.188		20,874
		2013		$14.188		$18.955		19,727
		2014		$18.955		$19.986		9,421
		2015		$19.986		$18.991		8,830
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$11.072		$12.778		96,277
		2007		$12.778		$13.006		122,166
		2008		$13.006		$8.137		105,589
		2009		$8.137		$9.521		96,028
		2010		$9.521		$11.001		85,295
		2011		$11.001		$10.169		58,576
		2012		$10.169		$11.216		48,495
		2013		$11.216		$15.000		35,458
		2014		$15.000		$15.891		25,699
		2015		$15.891		$15.191		23,025

K-59


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.475		$12.184		31,720
		2007		$12.184		$14.541		42,332
		2008		$14.541		$8.837		39,901
		2009		$8.837		$12.658		28,179
		2010		$12.658		$15.312		21,998
		2011		$15.312		$13.555		21,588
		2012		$13.555		$15.220		16,623
		2013		$15.220		$20.531		13,598
		2014		$20.531		$21.431		12,617
		2015		$21.431		$21.665		10,656
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.851		$13.090		113,220
		2007		$13.090		$12.955		133,809
		2008		$12.955		$7.732		127,162
		2009		$7.732		$9.634		110,093
		2010		$9.634		$11.892		92,273
		2011		$11.892		$11.233		51,683
		2012		$11.233		$12.662		43,296
		2013		$12.662		$16.239		36,258
		2014		$16.239		$17.823		26,357
		2015		$17.823		$16.875		23,623
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.316		$14.111		148,739
		2007		$14.111		$15.810		121,790
		2008		$15.810		$8.454		106,556
		2009		$8.454		$11.993		82,580
		2010		$11.993		$12.881		68,853
		2011		$12.881		$12.503		48,137
		2012		$12.503		$14.002		33,575
		2013		$14.002		$17.835		28,106
		2014		$17.835		$20.206		21,753
		2015		$20.206		$20.535		17,035
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.472		$15.789		46,580
		2007		$15.789		$16.078		45,964
		2008		$16.078		$8.921		44,678
		2009		$8.921		$10.676		41,279
		2010		$10.676		$11.838		34,820
		2011		$11.838		$11.695		23,779
		2012		$11.695		$12.901		17,920
		2013		$12.901		$14.326		17,594
		2014		$14.326		$15.228		10,931
		2015		$15.228		$15.071		9,758
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.182		$10.515		131,838
		2007		$10.515		$10.770		250,642
		2008		$10.770		$6.457		255,607
		2009		$6.457		$6.929		257,461
		2010		$6.929		$7.589		213,012
		2011		$7.589		$8.060		164,661
		2012		$8.060		$8.739		148,445
		2013		$8.739		$8.567		126,006
		2014		$8.567		$9.015		108,351
		2015		$9.015		$8.934		72,550

K-60


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$16.090		$16.263		40,565
		2007		$16.263		$16.969		36,754
		2008		$16.969		$8.481		36,514
		2009		$8.481		$11.038		33,983
		2010		$11.038		$13.814		19,366
		2011		$13.814		$13.708		11,821
		2012		$13.708		$15.670		7,171
		2013		$15.670		$20.915		5,694
		2014		$20.915		$21.720		4,684
		2015		$21.720		$22.731		4,266
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.740		$21.645		21,514
		2007		$21.645		$22.595		24,156
		2008		$22.595		$13.267		18,696
		2009		$13.267		$18.195		15,856
		2010		$18.195		$20.717		12,923
		2011		$20.717		$18.650		8,843
		2012		$18.650		$22.198		8,304
		2013		$22.198		$27.741		7,499
		2014		$27.741		$27.861		6,507
		2015		$27.861		$28.425		6,085
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$13.095		$13.820		247,776
		2007		$13.820		$14.898		297,150
		2008		$14.898		$12.537		258,453
		2009		$12.537		$14.609		243,833
		2010		$14.609		$16.501		174,038
		2011		$16.501		$16.344		135,197
		2012		$16.344		$18.199		114,916
		2013		$18.199		$17.844		104,407
		2014		$17.844		$17.998		86,175
		2015		$17.998		$17.270		73,149
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.955		$15.000		61,033
		2007		$15.000		$14.691		66,322
		2008		$14.691		$3.098		87,042
		2009		$3.098		$3.840		70,920
		2010		$3.840		$4.324		59,676
		2011		$4.324		$4.147		47,869
		2012		$4.147		$4.608		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$14.157		$15.989		202,184
		2007		$15.989		$16.387		197,820
		2008		$16.387		$9.897		190,381
		2009		$9.897		$12.466		166,920
		2010		$12.466		$14.210		137,070
		2011		$14.210		$13.940		103,909
		2012		$13.940		$15.997		84,145
		2013		$15.997		$20.692		69,267
		2014		$20.692		$22.480		58,915
		2015		$22.480		$22.810		42,294

K-61


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.617		$21.007		54,905
		2007		$21.007		$20.384		54,188
		2008		$20.384		$12.436		48,848
		2009		$12.436		$16.752		41,773
		2010		$16.752		$20.286		30,478
		2011		$20.286		$19.489		25,911
		2012		$19.489		$22.567		22,649
		2013		$22.567		$31.230		12,489
		2014		$31.230		$34.316		10,953
		2015		$34.316		$31.712		9,526
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$12.783		79,948
		2010		$12.783		$14.165		69,708
		2011		$14.165		$14.208		54,645
		2012		$14.208		$16.681		38,847
		2013		$16.681		$21.737		28,911
		2014		$21.737		$24.100		23,026
		2015		$24.100		$22.995		19,338
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$13.202		$14.542		72,048
		2007		$14.542		$14.446		67,765
		2008		$14.446		$8.427		38,767
		2009		$8.427		$10.418		33,425
		2010		$10.418		$11.363		29,228
		2011		$11.363		$11.492		23,376
		2012		$11.492		$12.726		21,306
		2013		$12.726		$14.790		19,447
		2014		$14.790		$16.109		17,265
		2015		$16.109		$15.674		11,835
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$14.089		$15.649		33,202
		2007		$15.649		$15.851		29,202
		2008		$15.851		$10.401		22,083
		2009		$10.401		$13.839		20,871
		2010		$13.839		$15.620		20,539
		2011		$15.620		$15.308		17,521
		2012		$15.308		$17.202		15,255
		2013		$17.202		$20.229		14,036
		2014		$20.229		$21.783		6,161
		2015		$21.783		$21.474		7,469
Putnam VT Global Health Care Fund – Class IB
		2006		$13.308		$13.462		2,250
		2007		$13.462		$13.168		2,107
		2008		$13.168		$10.746		1,552
		2009		$10.746		$13.325		398
		2010		$13.325		$13.436		377
		2011		$13.436		$13.067		2,043
		2012		$13.067		$15.723		2,013
		2013		$15.723		$21.919		1,977
		2014		$21.919		$27.534		254
		2015		$27.534		$29.206		195

K-62


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$18.020		$22.529		4,787
		2007		$22.529		$26.590		2,885
		2008		$26.590		$18.188		2,084
		2009		$18.188		$19.216		2,203
		2010		$19.216		$19.257		2,334
		2011		$19.257		$17.927		1,810
		2012		$17.927		$18.530		1,586
		2013		$18.530		$20.755		1,625
		2014		$20.755		$23.403		1,518
		2015		$23.403		$20.747		1,606
Putnam VT Growth and Income Fund – Class IB
		2006		$15.331		$17.489		51,557
		2007		$17.489		$16.170		56,846
		2008		$16.170		$9.755		35,860
		2009		$9.755		$12.461		31,367
		2010		$12.461		$14.027		24,921
		2011		$14.027		$13.163		19,371
		2012		$13.163		$15.433		16,170
		2013		$15.433		$20.606		8,984
		2014		$20.606		$22.455		7,102
		2015		$22.455		$20.434		7,397
Putnam VT High Yield Fund – Class IB
		2006		$14.766		$16.062		84,296
		2007		$16.062		$16.246		90,170
		2008		$16.246		$11.820		71,506
		2009		$11.820		$17.470		63,317
		2010		$17.470		$19.606		48,193
		2011		$19.606		$19.634		35,571
		2012		$19.634		$22.414		33,633
		2013		$22.414		$23.790		30,261
		2014		$23.790		$23.777		21,446
		2015		$23.777		$22.147		18,992
Putnam VT Income Fund – Class IB
		2006		$10.838		$11.149		278,298
		2007		$11.149		$11.544		316,107
		2008		$11.544		$8.642		257,346
		2009		$8.642		$12.472		195,766
		2010		$12.472		$13.486		163,032
		2011		$13.486		$13.935		120,780
		2012		$13.935		$15.187		107,819
		2013		$15.187		$15.225		93,031
		2014		$15.225		$15.950		76,763
		2015		$15.950		$15.468		63,134
Putnam VT International Equity Fund – Class IB
		2006		$16.939		$21.291		56,149
		2007		$21.291		$22.704		67,587
		2008		$22.704		$12.523		61,723
		2009		$12.523		$15.359		57,600
		2010		$15.359		$16.630		54,173
		2011		$16.630		$13.595		44,970
		2012		$13.595		$16.310		39,040
		2013		$16.310		$20.557		33,565
		2014		$20.557		$18.859		23,679
		2015		$18.859		$18.585		20,939

K-63


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.460		$17.334		28,439
		2007		$17.334		$16.176		33,309
		2008		$16.176		$9.623		21,458
		2009		$9.623		$12.389		19,349
		2010		$12.389		$13.889		16,051
		2011		$13.889		$13.675		9,056
		2012		$13.675		$15.722		8,321
		2013		$15.722		$20.906		6,120
		2014		$20.906		$23.436		4,725
		2015		$23.436		$22.561		4,349
Putnam VT Money Market Fund – Class IB
		2006		$9.873		$10.144		212,468
		2007		$10.144		$10.459		333,114
		2008		$10.459		$10.557		236,819
		2009		$10.557		$10.411		245,324
		2010		$10.411		$10.249		247,881
		2011		$10.249		$10.088		165,490
		2012		$10.088		$9.928		147,523
		2013		$9.928		$9.771		167,744
		2014		$9.771		$9.617		161,585
		2015		$9.617		$9.465		137,093
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.900		$16.987		4,578
		2007		$16.987		$17.675		3,706
		2008		$17.675		$10.654		1,418
		2009		$10.654		$13.855		482
		2010		$13.855		$16.301		4,562
		2011		$16.301		$15.227		2,694
		2012		$15.227		$17.496		2,477
		2013		$17.496		$23.492		1,939
		2014		$23.492		$26.237		1,788
		2015		$26.237		$25.745		1,747
Putnam VT New Value Fund – Class IB
		2006		$17.296		$19.747		83,473
		2007		$19.747		$18.481		99,643
		2008		$18.481		$10.047		92,634
		2009		$10.047		$9.460		0
Putnam VT Research Fund – Class IB
		2006		$14.361		$15.733		4,443
		2007		$15.733		$15.568		3,226
		2008		$15.568		$9.415		2,745
		2009		$9.415		$12.340		1,662
		2010		$12.340		$14.132		1,628
		2011		$14.132		$13.665		378
		2012		$13.665		$15.857		98
		2013		$15.857		$20.811		85
		2014		$20.811		$23.524		23
		2015		$23.524		$22.792		0
Putnam VT Vista Fund – Class IB
		2006		$17.515		$18.177		9,150
		2007		$18.177		$18.568		7,663
		2008		$18.568		$9.950		6,265
		2009		$9.950		$13.586		5,142
		2010		$13.586		$15.526		0

K-64


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.363		$13.866		70,383
		2007		$13.866		$14.398		64,271
		2008		$14.398		$8.922		51,527
		2009		$8.922		$14.390		44,697
		2010		$14.390		$17.106		37,002
		2011		$17.106		$13.830		26,322
		2012		$13.830		$15.546		23,164
		2013		$15.546		$21.988		17,360
		2014		$21.988		$23.742		14,120
		2015		$23.742		$21.936		13,995
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.627		$18.131		24,735
		2007		$18.131		$18.983		25,013
		2008		$18.983		$15.882		22,345
		2009		$15.882		$20.337		22,960
		2010		$20.337		$21.963		19,235
		2011		$21.963		$23.103		12,529
		2012		$23.103		$26.798		11,721
		2013		$26.798		$24.063		10,319
		2014		$24.063		$24.365		9,091
		2015		$24.365		$23.696		7,124
UIF Global Franchise Portfolio, Class II
		2006		$12.230		$14.625		126,365
		2007		$14.625		$15.798		126,897
		2008		$15.798		$11.048		108,420
		2009		$11.048		$14.086		97,432
		2010		$14.086		$15.809		84,098
		2011		$15.809		$16.967		69,786
		2012		$16.967		$19.299		59,780
		2013		$19.299		$22.727		50,339
		2014		$22.727		$23.374		38,770
		2015		$23.374		$24.429		24,222
UIF Growth Portfolio, Class I
		2006		$12.257		$12.558		5,209
		2007		$12.558		$15.064		4,795
		2008		$15.064		$7.532		3,861
		2009		$7.532		$12.272		3,428
		2010		$12.272		$14.838		2,323
		2011		$14.838		$14.194		2,202
		2012		$14.194		$15.976		2,099
		2013		$15.976		$23.280		1,882
		2014		$23.280		$24.367		1,870
		2015		$24.367		$26.915		1,747
UIF Growth Portfolio, Class II
		2006		$12.203		$12.468		8,295
		2007		$12.468		$14.926		8,181
		2008		$14.926		$7.440		8,649
		2009		$7.440		$12.092		5,348
		2010		$12.092		$14.590		5,199
		2011		$14.590		$13.922		2,023
		2012		$13.922		$15.625		1,938
		2013		$15.625		$22.716		1,604
		2014		$22.716		$23.716		1,592
		2015		$23.716		$26.132		1,352

K-65


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.833		33,087
		2007		$9.833		$11.864		55,991
		2008		$11.864		$6.209		61,786
		2009		$6.209		$9.616		51,479
		2010		$9.616		$12.517		33,210
		2011		$12.517		$11.434		25,338
		2012		$11.434		$12.207		21,700
		2013		$12.207		$16.516		16,969
		2014		$16.516		$16.553		15,203
		2015		$16.553		$15.314		10,952
UIF Small Company Growth Portfolio, Class II
		2006		$17.677		$19.456		11,922
		2007		$19.456		$19.712		9,527
		2008		$19.712		$11.554		7,698
		2009		$11.554		$16.675		7,106
		2010		$16.675		$20.768		6,847
		2011		$20.768		$18.657		7,126
		2012		$18.657		$21.060		7,167
		2013		$21.060		$35.508		5,286
		2014		$35.508		$30.100		693
		2015		$30.100		$26.720		611
UIF U.S. Real Estate Portfolio, Class II
		2006		$22.382		$30.325		37,755
		2007		$30.325		$24.686		45,700
		2008		$24.686		$15.048		41,215
		2009		$15.048		$19.028		37,874
		2010		$19.028		$24.254		30,799
		2011		$24.254		$25.221		25,190
		2012		$25.221		$28.696		20,454
		2013		$28.696		$28.735		18,541
		2014		$28.735		$36.599		10,926
		2015		$36.599		$36.710		9,173
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.975		$10.226		55,566
		2007		$10.226		$10.511		52,997
		2008		$10.511		$10.529		45,546
		2009		$10.529		$10.368		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 1.40% and an administrative expense charge of 0.19%.

K-66

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with 5 Year Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

With the MAV Death Benefit Option, the Enhanced Beneficiary Protection (Annual Increase) Option, both added on or after May 1, 2003, and the Earnings Protection Death Benefit Option (age 71-79)

Mortality & Expense = 2.3


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.207		0
		2007		$10.207		$11.673		0
		2008		$11.673		$6.523		0
		2009		$6.523		$8.616		0
		2010		$8.616		$9.824		0
		2011		$9.824		$9.313		0
		2012		$9.313		$10.547		0
		2013		$10.547		$13.467		0
		2014		$13.467		$14.663		0
		2015		$14.663		$14.357		0
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.397		0
		2007		$10.397		$10.991		0
		2008		$10.991		$8.020		0
		2009		$8.020		$9.693		0
		2010		$9.693		$10.638		0
		2011		$10.638		$10.329		0
		2012		$10.329		$11.238		0
		2013		$11.238		$12.404		0
		2014		$12.404		$12.605		0
		2015		$12.605		$12.226		0
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.427		0
		2007		$10.427		$11.179		0
		2008		$11.179		$7.325		0
		2009		$7.325		$9.182		0
		2010		$9.182		$10.236		0
		2011		$10.236		$9.858		0
		2012		$9.858		$10.868		0
		2013		$10.868		$12.255		0
		2014		$12.255		$12.498		0
		2015		$12.498		$12.131		0
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.436		0
		2007		$10.436		$11.302		0
		2008		$11.302		$6.813		0
		2009		$6.813		$8.715		0
		2010		$8.715		$9.849		0
		2011		$9.849		$9.332		0
		2012		$9.332		$10.481		0
		2013		$10.481		$12.408		0
		2014		$12.408		$12.673		0
		2015		$12.673		$12.292		0

K-67


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.289		0
		2007		$10.289		$10.624		0
		2008		$10.624		$9.251		0
		2009		$9.251		$10.341		0
		2010		$10.341		$10.815		0
		2011		$10.815		$10.693		0
		2012		$10.693		$11.079		0
		2013		$11.079		$11.366		0
		2014		$11.366		$11.475		0
		2015		$11.475		$11.125		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$17.035		0
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.686		0
		2007		$9.686		$11.551		0
		2008		$11.551		$6.220		0
		2009		$6.220		$8.760		0
		2010		$8.760		$10.230		0
		2011		$10.230		$10.021		0
		2012		$10.021		$11.547		0
		2013		$11.547		$15.156		0
		2014		$15.156		$16.602		0
		2015		$16.602		$17.567		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.757		0
		2007		$10.757		$11.031		0
		2008		$11.031		$6.759		0
		2009		$6.759		$8.325		0
		2010		$8.325		$9.313		0
		2011		$9.313		$9.244		0
		2012		$9.244		$10.422		0
		2013		$10.422		$13.405		0
		2014		$13.405		$14.809		0
		2015		$14.809		$14.596		0
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.818		0
		2007		$9.818		$11.040		0
		2008		$11.040		$6.501		0
		2009		$6.501		$8.859		0
		2010		$8.859		$11.107		0
		2011		$11.107		$9.656		0
		2012		$9.656		$10.786		0
		2013		$10.786		$14.290		0
		2014		$14.290		$14.775		0
		2015		$14.775		$14.172		0
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.472		$16.477		0
		2007		$16.477		$15.469		0
		2008		$15.469		$9.782		0
		2009		$9.782		$12.072		0
		2010		$12.072		$13.735		0
		2011		$13.735		$13.716		0
		2012		$13.716		$15.009		0
		2013		$15.009		$18.968		0
		2014		$18.968		$20.186		0
		2015		$20.186		$19.504		0

K-68


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.069		$12.763		0
		2007		$12.763		$12.911		0
		2008		$12.911		$8.856		0
		2009		$8.856		$11.709		0
		2010		$11.709		$12.865		0
		2011		$12.865		$12.844		0
		2012		$12.844		$14.108		0
		2013		$14.108		$15.675		0
		2014		$15.675		$15.990		0
		2015		$15.990		$14.492		0
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.349		$11.192		40
		2007		$11.192		$11.592		40
		2008		$11.592		$7.400		40
		2009		$7.400		$9.361		39
		2010		$9.361		$10.186		1,243
		2011		$10.186		$9.783		1,174
		2012		$9.783		$10.719		1,164
		2013		$10.719		$13.445		1,050
		2014		$13.445		$14.744		934
		2015		$14.744		$15.186		818
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$10.951		0
		2007		$10.951		$11.942		0
		2008		$11.942		$8.331		0
		2009		$8.331		$10.018		0
		2010		$10.018		$10.936		0
		2011		$10.936		$10.349		0
		2012		$10.349		$11.439		0
		2013		$11.439		$14.234		0
		2014		$14.234		$14.672		0
		2015		$14.672		$13.785		0
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$14.909		$17.211		552
		2007		$17.211		$17.364		548
		2008		$17.364		$10.648		545
		2009		$10.648		$13.088		540
		2010		$13.088		$14.191		0
		2011		$14.191		$13.694		0
		2012		$13.694		$15.254		0
		2013		$15.254		$19.078		0
		2014		$19.078		$19.928		0
		2015		$19.928		$18.472		0
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.498		$21.102		0
		2007		$21.102		$20.084		0
		2008		$20.084		$13.117		0
		2009		$13.117		$16.520		0
		2010		$16.520		$20.655		0
		2011		$20.655		$19.385		0
		2012		$19.385		$22.376		0
		2013		$22.376		$29.727		0
		2014		$29.727		$29.152		0
		2015		$29.152		$26.326		0

K-69


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.137		$18.164		0
		2007		$18.164		$19.700		0
		2008		$19.700		$11.045		0
		2009		$11.045		$15.464		0
		2010		$15.464		$19.244		0
		2011		$19.244		$17.860		0
		2012		$17.860		$19.303		0
		2013		$19.303		$26.005		0
		2014		$26.005		$27.252		0
		2015		$27.252		$25.867		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.176		$10.322		0
		2007		$10.322		$10.728		0
		2008		$10.728		$11.255		0
		2009		$11.255		$11.315		0
		2010		$11.315		$11.616		0
		2011		$11.616		$11.971		0
		2012		$11.971		$11.892		0
		2013		$11.892		$11.337		0
		2014		$11.337		$11.428		0
		2015		$11.428		$11.197		0
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.309		$31.613		0
		2007		$31.613		$39.694		0
		2008		$39.694		$18.304		0
		2009		$18.304		$30.806		0
		2010		$30.806		$35.323		0
		2011		$35.323		$28.983		0
		2012		$28.983		$31.979		0
		2013		$31.979		$30.895		0
		2014		$30.895		$27.597		0
		2015		$27.597		$21.634		0
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$16.759		$19.847		281
		2007		$19.847		$22.342		279
		2008		$22.342		$12.988		277
		2009		$12.988		$17.356		275
		2010		$17.356		$18.347		668
		2011		$18.347		$15.988		631
		2012		$15.988		$18.432		626
		2013		$18.432		$22.102		565
		2014		$22.102		$19.152		502
		2015		$19.152		$17.462		440
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.526		$14.875		0
		2007		$14.875		$16.099		0
		2008		$16.099		$16.672		0
		2009		$16.672		$19.294		0
		2010		$19.294		$21.533		0
		2011		$21.533		$20.815		0
		2012		$20.815		$23.353		0
		2013		$23.353		$23.143		0
		2014		$23.143		$22.980		0
		2015		$22.980		$21.443		0

K-70


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$12.732		$12.742		0
		2007		$12.742		$14.490		0
		2008		$14.490		$7.189		0
		2009		$7.189		$11.612		0
		2010		$11.612		$13.539		0
		2011		$13.539		$12.359		0
		2012		$12.359		$13.665		0
		2013		$13.665		$18.627		0
		2014		$18.627		$19.647		0
		2015		$19.647		$20.068		0
Invesco V.I. American Value Fund – Series I
		2006		$12.307		$14.486		311
		2007		$14.486		$15.231		309
		2008		$15.231		$8.719		307
		2009		$8.719		$11.835		304
		2010		$11.835		$14.108		0
		2011		$14.108		$13.884		0
		2012		$13.884		$15.881		0
		2013		$15.881		$20.792		0
		2014		$20.792		$22.251		0
		2015		$22.251		$19.716		0
Invesco V.I. American Value Fund – Series II
		2006		$12.282		$14.447		0
		2007		$14.447		$15.176		0
		2008		$15.176		$8.668		0
		2009		$8.668		$11.763		0
		2010		$11.763		$14.014		0
		2011		$14.014		$13.779		0
		2012		$13.779		$15.729		0
		2013		$15.729		$20.542		0
		2014		$20.542		$21.929		0
		2015		$21.929		$19.382		0
Invesco V.I. Comstock Fund – Series II
		2006		$11.446		$12.952		0
		2007		$12.952		$12.334		0
		2008		$12.334		$7.721		0
		2009		$7.721		$9.667		0
		2010		$9.667		$10.906		0
		2011		$10.906		$10.411		0
		2012		$10.411		$12.072		0
		2013		$12.072		$15.969		0
		2014		$15.969		$16.988		0
		2015		$16.988		$15.539		0
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.413		$12.530		0
		2007		$12.530		$12.627		0
		2008		$12.627		$9.520		0
		2009		$9.520		$11.370		0
		2010		$11.370		$12.421		0
		2011		$12.421		$11.955		0
		2012		$11.955		$13.101		0
		2013		$13.101		$15.954		0
		2014		$15.954		$16.920		0
		2015		$16.920		$16.072		0

K-71


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$15.781		$17.848		625
		2007		$17.848		$17.840		621
		2008		$17.840		$11.792		617
		2009		$11.792		$14.270		611
		2010		$14.270		$15.612		1,101
		2011		$15.612		$14.880		1,040
		2012		$14.880		$16.590		1,032
		2013		$16.590		$21.640		930
		2014		$21.640		$23.204		827
		2015		$23.204		$21.876		725
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$11.986		$12.263		0
		2007		$12.263		$14.061		0
		2008		$14.061		$7.289		0
		2009		$7.289		$11.114		0
		2010		$11.114		$13.794		0
		2011		$13.794		$12.192		0
		2012		$12.192		$13.270		0
		2013		$13.270		$17.676		0
		2014		$17.676		$18.561		0
		2015		$18.561		$18.287		0
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.214		$10.890		0
		2007		$10.890		$11.274		0
		2008		$11.274		$9.065		0
		2009		$9.065		$11.873		0
		2010		$11.873		$13.003		0
		2011		$13.003		$13.236		0
		2012		$13.236		$14.523		0
		2013		$14.523		$15.319		0
		2014		$15.319		$15.586		0
		2015		$15.586		$14.966		0
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.355		$12.694		0
		2007		$12.694		$13.208		0
		2008		$13.208		$9.186		0
		2009		$9.186		$11.284		0
		2010		$11.284		$13.097		0
		2011		$13.097		$12.198		0
		2012		$12.198		$13.152		0
		2013		$13.152		$17.411		0
		2014		$17.411		$18.190		0
		2015		$18.190		$17.126		0
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$10.946		$12.518		0
		2007		$12.518		$12.624		0
		2008		$12.624		$7.826		0
		2009		$7.826		$9.073		0
		2010		$9.073		$10.388		0
		2011		$10.388		$9.513		0
		2012		$9.513		$10.397		0
		2013		$10.397		$13.778		0
		2014		$13.778		$14.463		0
		2015		$14.463		$13.699		0

K-72


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.344		$11.936		0
		2007		$11.936		$14.114		0
		2008		$14.114		$8.499		0
		2009		$8.499		$12.062		0
		2010		$12.062		$14.458		0
		2011		$14.458		$12.682		0
		2012		$12.682		$14.109		0
		2013		$14.109		$18.859		0
		2014		$18.859		$19.505		0
		2015		$19.505		$19.538		0
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.716		$12.823		0
		2007		$12.823		$12.574		0
		2008		$12.574		$7.435		0
		2009		$7.435		$9.180		0
		2010		$9.180		$11.228		0
		2011		$11.228		$10.510		0
		2012		$10.510		$11.738		0
		2013		$11.738		$14.916		0
		2014		$14.916		$16.221		0
		2015		$16.221		$15.218		0
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$12.994		$13.644		0
		2007		$13.644		$15.146		0
		2008		$15.146		$8.025		0
		2009		$8.025		$11.280		0
		2010		$11.280		$12.005		0
		2011		$12.005		$11.546		0
		2012		$11.546		$12.812		0
		2013		$12.812		$16.170		0
		2014		$16.170		$18.152		0
		2015		$18.152		$18.279		0
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.067		$15.207		0
		2007		$15.207		$15.343		0
		2008		$15.343		$8.435		0
		2009		$8.435		$10.002		0
		2010		$10.002		$10.990		0
		2011		$10.990		$10.758		0
		2012		$10.758		$11.759		0
		2013		$11.759		$12.938		0
		2014		$12.938		$13.627		0
		2015		$13.627		$13.363		0
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.066		$10.300		0
		2007		$10.300		$10.453		0
		2008		$10.453		$6.210		0
		2009		$6.210		$6.603		0
		2010		$6.603		$7.165		0
		2011		$7.165		$7.541		0
		2012		$7.541		$8.101		0
		2013		$8.101		$7.869		0
		2014		$7.869		$8.205		0
		2015		$8.205		$8.057		0

K-73


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.640		$15.664		0
		2007		$15.664		$16.193		0
		2008		$16.193		$8.019		0
		2009		$8.019		$10.342		0
		2010		$10.342		$12.824		0
		2011		$12.824		$12.610		0
		2012		$12.610		$14.283		0
		2013		$14.283		$18.889		0
		2014		$18.889		$19.436		0
		2015		$19.436		$20.155		0
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.216		$20.848		0
		2007		$20.848		$21.563		0
		2008		$21.563		$12.545		0
		2009		$12.545		$17.047		0
		2010		$17.047		$19.233		0
		2011		$19.233		$17.156		0
		2012		$17.156		$20.232		0
		2013		$20.232		$25.054		0
		2014		$25.054		$24.932		0
		2015		$24.932		$25.204		0
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$12.729		$13.310		0
		2007		$13.310		$14.217		0
		2008		$14.217		$11.855		0
		2009		$11.855		$13.688		0
		2010		$13.688		$15.319		0
		2011		$15.319		$15.035		0
		2012		$15.035		$16.588		0
		2013		$16.588		$16.115		0
		2014		$16.115		$16.106		0
		2015		$16.106		$15.313		0
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.564		$14.448		0
		2007		$14.448		$14.020		0
		2008		$14.020		$2.929		0
		2009		$2.929		$3.597		0
		2010		$3.597		$4.014		0
		2011		$4.014		$3.814		0
		2012		$3.814		$4.207		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$13.761		$15.400		29
		2007		$15.400		$15.638		29
		2008		$15.638		$9.358		29
		2009		$9.358		$11.680		29
		2010		$11.680		$13.192		0
		2011		$13.192		$12.823		0
		2012		$12.823		$14.580		0
		2013		$14.580		$18.687		0
		2014		$18.687		$20.117		0
		2015		$20.117		$20.226		0

K-74


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.096		$20.234		211
		2007		$20.234		$19.452		210
		2008		$19.452		$11.759		209
		2009		$11.759		$15.695		207
		2010		$15.695		$18.833		0
		2011		$18.833		$17.927		0
		2012		$17.927		$20.569		0
		2013		$20.569		$28.205		0
		2014		$28.205		$30.708		0
		2015		$30.708		$28.118		0
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$11.976		0
		2010		$11.976		$13.150		0
		2011		$13.150		$13.070		0
		2012		$13.070		$15.204		0
		2013		$15.204		$19.631		0
		2014		$19.631		$21.566		0
		2015		$21.566		$20.389		0
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$12.833		$14.006		0
		2007		$14.006		$13.786		0
		2008		$13.786		$7.968		0
		2009		$7.968		$9.761		0
		2010		$9.761		$10.548		0
		2011		$10.548		$10.571		0
		2012		$10.571		$11.599		0
		2013		$11.599		$13.357		0
		2014		$13.357		$14.416		0
		2015		$14.416		$13.898		0
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.695		$15.072		0
		2007		$15.072		$15.127		0
		2008		$15.127		$9.835		0
		2009		$9.835		$12.966		0
		2010		$12.966		$14.501		0
		2011		$14.501		$14.081		0
		2012		$14.081		$15.679		0
		2013		$15.679		$18.269		0
		2014		$18.269		$19.493		0
		2015		$19.493		$19.041		0
Putnam VT Global Health Care Fund – Class IB
		2006		$12.935		$12.966		0
		2007		$12.966		$12.566		0
		2008		$12.566		$10.161		0
		2009		$10.161		$12.484		0
		2010		$12.484		$12.474		0
		2011		$12.474		$12.020		0
		2012		$12.020		$14.330		0
		2013		$14.330		$19.796		0
		2014		$19.796		$24.639		0
		2015		$24.639		$25.897		0

K-75


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.516		$21.699		0
		2007		$21.699		$25.376		0
		2008		$25.376		$17.199		0
		2009		$17.199		$18.004		0
		2010		$18.004		$17.878		0
		2011		$17.878		$16.491		0
		2012		$16.491		$16.890		0
		2013		$16.890		$18.745		0
		2014		$18.745		$20.943		0
		2015		$20.943		$18.396		0
Putnam VT Growth and Income Fund – Class IB
		2006		$14.902		$16.845		0
		2007		$16.845		$15.431		0
		2008		$15.431		$9.224		0
		2009		$9.224		$11.675		0
		2010		$11.675		$13.022		0
		2011		$13.022		$12.109		0
		2012		$12.109		$14.066		0
		2013		$14.066		$18.609		0
		2014		$18.609		$20.094		0
		2015		$20.094		$18.118		0
Putnam VT High Yield Fund – Class IB
		2006		$14.353		$15.470		0
		2007		$15.470		$15.504		0
		2008		$15.504		$11.177		0
		2009		$11.177		$16.368		0
		2010		$16.368		$18.202		0
		2011		$18.202		$18.061		0
		2012		$18.061		$20.430		0
		2013		$20.430		$21.486		0
		2014		$21.486		$21.278		0
		2015		$21.278		$19.637		0
Putnam VT Income Fund – Class IB
		2006		$10.535		$10.738		0
		2007		$10.738		$11.016		0
		2008		$11.016		$8.171		0
		2009		$8.171		$11.686		0
		2010		$11.686		$12.520		0
		2011		$12.520		$12.819		0
		2012		$12.819		$13.842		0
		2013		$13.842		$13.750		0
		2014		$13.750		$14.273		0
		2015		$14.273		$13.715		0
Putnam VT International Equity Fund – Class IB
		2006		$16.465		$20.507		0
		2007		$20.507		$21.667		0
		2008		$21.667		$11.841		0
		2009		$11.841		$14.390		0
		2010		$14.390		$15.439		0
		2011		$15.439		$12.505		0
		2012		$12.505		$14.866		0
		2013		$14.866		$18.565		0
		2014		$18.565		$16.876		0
		2015		$16.876		$16.478		0

K-76


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.027		$16.696		0
		2007		$16.696		$15.437		0
		2008		$15.437		$9.099		0
		2009		$9.099		$11.607		0
		2010		$11.607		$12.894		0
		2011		$12.894		$12.579		0
		2012		$12.579		$14.329		0
		2013		$14.329		$18.881		0
		2014		$18.881		$20.972		0
		2015		$20.972		$20.005		0
Putnam VT Money Market Fund – Class IB
		2006		$9.597		$9.770		0
		2007		$9.770		$9.981		0
		2008		$9.981		$9.982		0
		2009		$9.982		$9.754		0
		2010		$9.754		$9.515		0
		2011		$9.515		$9.279		0
		2012		$9.279		$9.049		0
		2013		$9.049		$8.824		0
		2014		$8.824		$8.605		0
		2015		$8.605		$8.392		0
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.456		$16.362		0
		2007		$16.362		$16.868		0
		2008		$16.868		$10.074		0
		2009		$10.074		$12.980		0
		2010		$12.980		$15.133		0
		2011		$15.133		$14.007		0
		2012		$14.007		$15.946		0
		2013		$15.946		$21.216		0
		2014		$21.216		$23.478		0
		2015		$23.478		$22.827		0
Putnam VT New Value Fund – Class IB
		2006		$16.812		$19.020		0
		2007		$19.020		$17.637		0
		2008		$17.637		$9.500		0
		2009		$9.500		$8.935		0
Putnam VT Research Fund – Class IB
		2006		$13.960		$15.153		0
		2007		$15.153		$14.856		0
		2008		$14.856		$8.902		0
		2009		$8.902		$11.561		0
		2010		$11.561		$13.120		0
		2011		$13.120		$12.570		0
		2012		$12.570		$14.453		0
		2013		$14.453		$18.795		0
		2014		$18.795		$21.050		0
		2015		$21.050		$20.209		0
Putnam VT Vista Fund – Class IB
		2006		$17.025		$17.507		0
		2007		$17.507		$17.719		0
		2008		$17.719		$9.408		0
		2009		$9.408		$12.729		0
		2010		$12.729		$14.449		0

K-77


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$12.989		$13.355		0
		2007		$13.355		$13.740		0
		2008		$13.740		$8.436		0
		2009		$8.436		$13.482		0
		2010		$13.482		$15.881		0
		2011		$15.881		$12.722		0
		2012		$12.722		$14.169		0
		2013		$14.169		$19.858		0
		2014		$19.858		$21.246		0
		2015		$21.246		$19.450		0
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.162		$17.464		0
		2007		$17.464		$18.115		0
		2008		$18.115		$15.018		0
		2009		$15.018		$19.054		0
		2010		$19.054		$20.390		0
		2011		$20.390		$21.252		0
		2012		$21.252		$24.426		0
		2013		$24.426		$21.732		0
		2014		$21.732		$21.804		0
		2015		$21.804		$21.011		0
UIF Global Franchise Portfolio, Class II
		2006		$12.007		$14.228		0
		2007		$14.228		$15.228		0
		2008		$15.228		$10.551		0
		2009		$10.551		$13.331		0
		2010		$13.331		$14.825		0
		2011		$14.825		$15.765		0
		2012		$15.765		$17.768		0
		2013		$17.768		$20.732		0
		2014		$20.732		$21.128		0
		2015		$21.128		$21.879		0
UIF Growth Portfolio, Class I
		2006		$12.071		$12.254		688,857
		2007		$12.254		$14.565		851
		2008		$14.565		$7.216		845
		2009		$7.216		$11.649		838
		2010		$11.649		$13.956		0
		2011		$13.956		$13.229		0
		2012		$13.229		$14.753		0
		2013		$14.753		$21.301		0
		2014		$21.301		$22.092		0
		2015		$22.092		$24.179		0
UIF Growth Portfolio, Class II
		2006		$12.018		$12.166		0
		2007		$12.166		$14.432		0
		2008		$14.432		$7.127		0
		2009		$7.127		$11.478		0
		2010		$11.478		$13.723		0
		2011		$13.723		$12.975		0
		2012		$12.975		$14.429		0
		2013		$14.429		$20.785		0
		2014		$20.785		$21.501		0
		2015		$21.501		$23.475		0

K-78


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.772		0
		2007		$9.772		$11.682		0
		2008		$11.682		$6.058		0
		2009		$6.058		$9.296		0
		2010		$9.296		$11.990		0
		2011		$11.990		$10.853		0
		2012		$10.853		$11.481		0
		2013		$11.481		$15.391		0
		2014		$15.391		$15.284		0
		2015		$15.284		$14.011		0
UIF Small Company Growth Portfolio, Class II
		2006		$17.250		$18.813		211
		2007		$18.813		$18.885		210
		2008		$18.885		$10.968		208
		2009		$10.968		$15.684		207
		2010		$15.684		$19.355		0
		2011		$19.355		$17.229		0
		2012		$17.229		$19.270		0
		2013		$19.270		$32.194		0
		2014		$32.194		$27.040		0
		2015		$27.040		$23.784		0
UIF U.S. Real Estate Portfolio, Class II
		2006		$21.756		$29.208		0
		2007		$29.208		$23.558		0
		2008		$23.558		$14.228		0
		2009		$14.228		$17.827		0
		2010		$17.827		$22.516		0
		2011		$22.516		$23.200		0
		2012		$23.200		$26.155		0
		2013		$26.155		$25.950		0
		2014		$25.950		$32.751		0
		2015		$32.751		$32.550		0
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.793		$9.948		0
		2007		$9.948		$10.132		0
		2008		$10.132		$10.056		0
		2009		$10.056		$9.815		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 2.30% and an administrative expense charge of 0.19%.

K-79

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with 3 Year

Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

Basic Contract

Mortality & Expense = 1.5


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.263		414,282
		2007		$10.263		$11.834		723,702
		2008		$11.834		$6.667		709,286
		2009		$6.667		$8.879		601,778
		2010		$8.879		$10.207		457,330
		2011		$10.207		$9.755		278,431
		2012		$9.755		$11.138		209,648
		2013		$11.138		$14.339		182,434
		2014		$14.339		$15.740		171,160
		2015		$15.740		$15.538		142,096
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.454		130,383
		2007		$10.454		$11.142		148,898
		2008		$11.142		$8.197		65,773
		2009		$8.197		$9.989		55,401
		2010		$9.989		$11.052		39,273
		2011		$11.052		$10.819		60,877
		2012		$10.819		$11.868		54,470
		2013		$11.868		$13.207		31,225
		2014		$13.207		$13.531		6,220
		2015		$13.531		$13.232		1,008
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.484		36,399
		2007		$10.484		$11.333		99,598
		2008		$11.333		$7.487		65,030
		2009		$7.487		$9.462		27,133
		2010		$9.462		$10.635		24,098
		2011		$10.635		$10.326		49,240
		2012		$10.326		$11.478		35,812
		2013		$11.478		$13.048		31,923
		2014		$13.048		$13.417		30,405
		2015		$13.417		$13.129		21,337
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.493		42,087
		2007		$10.493		$11.458		40,167
		2008		$11.458		$6.964		88,559
		2009		$6.964		$8.981		82,513
		2010		$8.981		$10.232		81,870
		2011		$10.232		$9.775		12,194
		2012		$9.775		$11.069		13,301
		2013		$11.069		$13.211		5,401
		2014		$13.211		$13.604		3,310
		2015		$13.604		$13.303		1,766

K-80


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.345		9,730
		2007		$10.345		$10.771		10,156
		2008		$10.771		$9.455		4,355
		2009		$9.455		$10.656		3,997
		2010		$10.656		$11.236		2,189
		2011		$11.236		$11.200		213
		2012		$11.200		$11.700		201
		2013		$11.700		$12.101		223
		2014		$12.101		$12.318		243
		2015		$12.318		$12.040		242
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$18.436		1,754
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.739		7,984
		2007		$9.739		$11.710		10,829
		2008		$11.710		$6.358		16,378
		2009		$6.358		$9.027		9,794
		2010		$9.027		$10.629		10,512
		2011		$10.629		$10.497		3,415
		2012		$10.497		$12.194		1,233
		2013		$12.194		$16.138		6,432
		2014		$16.138		$17.822		2,055
		2015		$17.822		$18.906		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.816		37,450
		2007		$10.816		$11.184		47,278
		2008		$11.184		$6.909		85,968
		2009		$6.909		$8.579		72,421
		2010		$8.579		$9.676		41,785
		2011		$9.676		$9.682		28,227
		2012		$9.682		$11.006		23,708
		2013		$11.006		$14.273		18,408
		2014		$14.273		$15.897		27,945
		2015		$15.897		$15.797		23,827
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.872		94,755
		2007		$9.872		$11.192		192,846
		2008		$11.192		$6.645		203,011
		2009		$6.645		$9.130		175,340
		2010		$9.130		$11.540		141,472
		2011		$11.540		$10.114		106,342
		2012		$10.114		$11.391		81,963
		2013		$11.391		$15.215		71,804
		2014		$15.215		$15.860		67,692
		2015		$15.860		$15.338		58,596
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.840		$17.034		302,687
		2007		$17.034		$16.124		261,390
		2008		$16.124		$10.280		205,726
		2009		$10.280		$12.790		177,653
		2010		$12.790		$14.672		132,201
		2011		$14.672		$14.771		114,763
		2012		$14.771		$16.297		82,084
		2013		$16.297		$20.765		66,484
		2014		$20.765		$22.279		66,475
		2015		$22.279		$21.703		51,015

K-81


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.221		$13.044		2,122,022
		2007		$13.044		$13.304		2,815,817
		2008		$13.304		$9.200		2,181,007
		2009		$9.200		$12.264		1,764,424
		2010		$12.264		$13.585		1,293,447
		2011		$13.585		$13.674		980,131
		2012		$13.674		$15.144		823,280
		2013		$15.144		$16.963		676,234
		2014		$16.963		$17.446		549,215
		2015		$17.446		$15.941		446,518
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.455		$11.399		825,544
		2007		$11.399		$11.903		1,001,796
		2008		$11.903		$7.661		880,173
		2009		$7.661		$9.771		773,389
		2010		$9.771		$10.719		538,058
		2011		$10.719		$10.380		394,360
		2012		$10.380		$11.467		298,662
		2013		$11.467		$14.501		231,236
		2014		$14.501		$16.032		164,944
		2015		$16.032		$16.648		131,208
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$11.011		320,169
		2007		$11.011		$12.107		558,370
		2008		$12.107		$8.515		496,269
		2009		$8.515		$10.323		331,500
		2010		$10.323		$11.362		236,990
		2011		$11.362		$10.840		174,737
		2012		$10.840		$12.080		130,342
		2013		$12.080		$15.156		228,819
		2014		$15.156		$15.750		224,799
		2015		$15.750		$14.919		220,416
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.288		$17.793		1,079,337
		2007		$17.793		$18.099		1,269,936
		2008		$18.099		$11.190		1,016,065
		2009		$11.190		$13.867		797,516
		2010		$13.867		$15.159		591,846
		2011		$15.159		$14.748		459,856
		2012		$14.748		$16.563		379,079
		2013		$16.563		$20.885		282,142
		2014		$20.885		$21.994		235,422
		2015		$21.994		$20.555		186,524
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.969		$21.816		356,890
		2007		$21.816		$20.935		345,544
		2008		$20.935		$13.785		247,439
		2009		$13.785		$17.504		206,772
		2010		$17.504		$22.064		152,352
		2011		$22.064		$20.877		116,901
		2012		$20.877		$24.297		85,410
		2013		$24.297		$32.542		67,313
		2014		$32.542		$32.175		54,373
		2015		$32.175		$29.295		44,859

K-82


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.572		$18.778		7,164
		2007		$18.778		$20.534		5,267
		2008		$20.534		$11.608		2,199
		2009		$11.608		$16.384		1,637
		2010		$16.384		$20.557		1,538
		2011		$20.557		$19.234		1,150
		2012		$19.234		$20.960		824
		2013		$20.960		$28.468		688
		2014		$28.468		$30.078		477
		2015		$30.078		$28.784		362
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.315		$10.549		257,214
		2007		$10.549		$11.055		355,522
		2008		$11.055		$11.693		492,222
		2009		$11.693		$11.851		483,472
		2010		$11.851		$12.266		348,199
		2011		$12.266		$12.745		245,367
		2012		$12.745		$12.765		228,674
		2013		$12.765		$12.268		151,258
		2014		$12.268		$12.469		86,345
		2015		$12.469		$12.317		71,347
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.952		$32.682		166,538
		2007		$32.682		$41.374		194,282
		2008		$41.374		$19.236		150,573
		2009		$19.236		$32.639		122,960
		2010		$32.639		$37.731		89,048
		2011		$37.731		$31.213		66,518
		2012		$31.213		$34.723		52,151
		2013		$34.723		$33.821		30,536
		2014		$33.821		$30.459		24,773
		2015		$30.459		$24.074		23,900
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$17.185		$20.518		733,746
		2007		$20.518		$23.288		922,024
		2008		$23.288		$13.649		778,137
		2009		$13.649		$18.389		662,465
		2010		$18.389		$19.599		500,703
		2011		$19.599		$17.219		397,437
		2012		$17.219		$20.014		298,460
		2013		$20.014		$24.195		226,771
		2014		$24.195		$21.138		198,606
		2015		$21.138		$19.432		169,379
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.871		$15.378		5,249
		2007		$15.378		$16.780		3,012
		2008		$16.780		$17.521		4,760
		2009		$17.521		$20.443		3,046
		2010		$20.443		$23.001		2,970
		2011		$23.001		$22.416		3,425
		2012		$22.416		$25.357		2,649
		2013		$25.357		$25.334		1,278
		2014		$25.334		$25.363		1,090
		2015		$25.363		$23.861		817

K-83


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$13.056		$13.172		88,072
		2007		$13.172		$15.104		83,140
		2008		$15.104		$7.555		61,776
		2009		$7.555		$12.304		53,009
		2010		$12.304		$14.462		40,941
		2011		$14.462		$13.310		28,687
		2012		$13.310		$14.837		25,903
		2013		$14.837		$20.392		18,087
		2014		$20.392		$21.685		14,620
		2015		$21.685		$22.331		12,703
Invesco V.I. American Value Fund – Series I
		2006		$12.476		$14.804		85,256
		2007		$14.804		$15.694		65,948
		2008		$15.694		$9.058		32,724
		2009		$9.058		$12.397		24,906
		2010		$12.397		$14.898		19,561
		2011		$14.898		$14.782		15,380
		2012		$14.782		$17.046		11,510
		2013		$17.046		$22.501		7,360
		2014		$22.501		$24.278		6,633
		2015		$24.278		$21.689		4,573
Invesco V.I. American Value Fund – Series II
		2006		$12.451		$14.765		150,213
		2007		$14.765		$15.638		209,679
		2008		$15.638		$9.006		181,842
		2009		$9.006		$12.320		160,274
		2010		$12.320		$14.799		116,091
		2011		$14.799		$14.670		85,310
		2012		$14.670		$16.884		68,581
		2013		$16.884		$22.231		48,522
		2014		$22.231		$23.927		37,262
		2015		$23.927		$21.321		31,192
Invesco V.I. Comstock Fund – Series II
		2006		$11.603		$13.237		647,016
		2007		$13.237		$12.709		665,447
		2008		$12.709		$8.021		537,414
		2009		$8.021		$10.126		407,245
		2010		$10.126		$11.517		268,144
		2011		$11.517		$11.084		196,598
		2012		$11.084		$12.959		137,932
		2013		$12.959		$17.282		108,001
		2014		$17.282		$18.536		93,044
		2015		$18.536		$17.094		70,318
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.570		$12.805		415,319
		2007		$12.805		$13.011		401,611
		2008		$13.011		$9.890		326,479
		2009		$9.890		$11.909		245,044
		2010		$11.909		$13.117		148,033
		2011		$13.117		$12.728		127,309
		2012		$12.728		$14.062		100,084
		2013		$14.062		$17.265		76,702
		2014		$17.265		$18.461		67,524
		2015		$18.461		$17.680		43,835

K-84


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$16.182		$18.451		387,496
		2007		$18.451		$18.595		334,095
		2008		$18.595		$12.392		257,830
		2009		$12.392		$15.120		219,842
		2010		$15.120		$16.677		163,294
		2011		$16.677		$16.025		129,504
		2012		$16.025		$18.014		115,094
		2013		$18.014		$23.690		85,546
		2014		$23.690		$25.610		71,698
		2015		$25.610		$24.343		69,681
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.150		$12.533		45,545
		2007		$12.533		$14.489		39,401
		2008		$14.489		$7.573		12,991
		2009		$7.573		$11.641		9,989
		2010		$11.641		$14.566		7,341
		2011		$14.566		$12.980		5,552
		2012		$12.980		$14.244		3,128
		2013		$14.244		$19.129		2,927
		2014		$19.129		$20.252		2,300
		2015		$20.252		$20.117		2,172
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.319		$11.091		388,338
		2007		$11.091		$11.577		495,383
		2008		$11.577		$9.386		389,523
		2009		$9.386		$12.393		331,061
		2010		$12.393		$13.684		249,181
		2011		$13.684		$14.043		197,982
		2012		$14.043		$15.535		167,059
		2013		$15.535		$16.521		137,605
		2014		$16.521		$16.948		110,026
		2015		$16.948		$16.406		85,672
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.471		$12.929		147,228
		2007		$12.929		$13.563		126,050
		2008		$13.563		$9.511		98,141
		2009		$9.511		$11.779		102,450
		2010		$11.779		$13.783		86,974
		2011		$13.783		$12.942		76,212
		2012		$12.942		$14.070		58,727
		2013		$14.070		$18.778		44,245
		2014		$18.778		$19.779		36,830
		2015		$19.779		$18.775		29,893
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$11.057		$12.749		311,007
		2007		$12.749		$12.963		391,344
		2008		$12.963		$8.102		269,542
		2009		$8.102		$9.471		227,548
		2010		$9.471		$10.932		195,108
		2011		$10.932		$10.094		139,901
		2012		$10.094		$11.122		126,756
		2013		$11.122		$14.860		91,723
		2014		$14.860		$15.727		92,479
		2015		$15.727		$15.018		73,428

K-85


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.460		$12.156		134,749
		2007		$12.156		$14.493		199,136
		2008		$14.493		$8.799		163,727
		2009		$8.799		$12.590		155,579
		2010		$12.590		$15.215		117,525
		2011		$15.215		$13.455		90,728
		2012		$13.455		$15.093		66,328
		2013		$15.093		$20.339		50,305
		2014		$20.339		$21.209		41,634
		2015		$21.209		$21.419		35,380
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.836		$13.060		720,550
		2007		$13.060		$12.913		767,839
		2008		$12.913		$7.698		649,218
		2009		$7.698		$9.582		528,877
		2010		$9.582		$11.816		359,792
		2011		$11.816		$11.151		296,496
		2012		$11.151		$12.556		236,814
		2013		$12.556		$16.087		149,060
		2014		$16.087		$17.638		122,401
		2015		$17.638		$16.683		100,101
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.280		$14.059		394,571
		2007		$14.059		$15.735		358,649
		2008		$15.735		$8.405		328,673
		2009		$8.405		$11.912		258,339
		2010		$11.912		$12.781		190,033
		2011		$12.781		$12.393		150,747
		2012		$12.393		$13.865		125,190
		2013		$13.865		$17.643		103,639
		2014		$17.643		$19.968		78,382
		2015		$19.968		$20.272		64,746
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.425		$15.722		190,342
		2007		$15.722		$15.993		170,766
		2008		$15.993		$8.865		129,736
		2009		$8.865		$10.598		124,736
		2010		$10.598		$11.739		98,351
		2011		$11.739		$11.586		90,458
		2012		$11.586		$12.768		80,509
		2013		$12.768		$14.163		65,839
		2014		$14.163		$15.040		57,975
		2015		$15.040		$14.870		30,251
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.169		$10.491		456,364
		2007		$10.491		$10.734		845,679
		2008		$10.734		$6.429		791,707
		2009		$6.429		$6.893		755,522
		2010		$6.893		$7.541		621,580
		2011		$7.541		$8.001		428,332
		2012		$8.001		$8.666		335,918
		2013		$8.666		$8.487		284,332
		2014		$8.487		$8.921		224,050
		2015		$8.921		$8.832		181,126

K-86


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$16.038		$16.193		132,006
		2007		$16.193		$16.879		111,355
		2008		$16.879		$8.427		65,981
		2009		$8.427		$10.958		57,944
		2010		$10.958		$13.699		54,073
		2011		$13.699		$13.580		46,048
		2012		$13.580		$15.508		39,642
		2013		$15.508		$20.678		29,289
		2014		$20.678		$21.452		24,340
		2015		$21.452		$22.428		21,083
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.679		$21.553		90,930
		2007		$21.553		$22.475		82,603
		2008		$22.475		$13.184		61,365
		2009		$13.184		$18.062		47,429
		2010		$18.062		$20.545		33,263
		2011		$20.545		$18.476		26,470
		2012		$18.476		$21.969		21,986
		2013		$21.969		$27.427		17,351
		2014		$27.427		$27.518		15,417
		2015		$27.518		$28.046		13,730
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$13.052		$13.761		941,030
		2007		$13.761		$14.819		918,620
		2008		$14.819		$12.458		681,916
		2009		$12.458		$14.502		542,217
		2010		$14.502		$16.364		412,626
		2011		$16.364		$16.192		318,923
		2012		$16.192		$18.011		298,714
		2013		$18.011		$17.642		265,666
		2014		$17.642		$17.776		214,720
		2015		$17.776		$17.040		159,007
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.909		$14.936		160,880
		2007		$14.936		$14.614		134,180
		2008		$14.614		$3.078		135,257
		2009		$3.078		$3.811		139,723
		2010		$3.811		$4.288		117,686
		2011		$4.288		$4.108		103,855
		2012		$4.108		$4.561		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$14.111		$15.921		653,766
		2007		$15.921		$16.300		674,700
		2008		$16.300		$9.835		587,158
		2009		$9.835		$12.375		499,694
		2010		$12.375		$14.092		370,750
		2011		$14.092		$13.810		282,723
		2012		$13.810		$15.831		223,036
		2013		$15.831		$20.457		173,736
		2014		$20.457		$22.203		133,849
		2015		$22.203		$22.506		111,531

K-87


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.556		$20.918		260,535
		2007		$20.918		$20.276		252,429
		2008		$20.276		$12.357		187,285
		2009		$12.357		$16.629		145,775
		2010		$16.629		$20.118		109,483
		2011		$20.118		$19.307		69,577
		2012		$19.307		$22.334		53,031
		2013		$22.334		$30.876		43,081
		2014		$30.876		$33.892		35,578
		2015		$33.892		$31.289		28,034
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$12.689		283,803
		2010		$12.689		$14.048		204,074
		2011		$14.048		$14.076		145,412
		2012		$14.076		$16.509		112,792
		2013		$16.509		$21.491		89,145
		2014		$21.491		$23.803		66,539
		2015		$23.803		$22.688		53,763
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$13.159		$14.480		184,184
		2007		$14.480		$14.370		248,096
		2008		$14.370		$8.374		166,587
		2009		$8.374		$10.342		141,098
		2010		$10.342		$11.268		97,054
		2011		$11.268		$11.385		82,723
		2012		$11.385		$12.595		69,669
		2013		$12.595		$14.623		49,146
		2014		$14.623		$15.910		42,772
		2015		$15.910		$15.465		36,232
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$14.043		$15.582		172,913
		2007		$15.582		$15.767		162,161
		2008		$15.767		$10.335		107,317
		2009		$10.335		$13.738		95,280
		2010		$13.738		$15.490		62,032
		2011		$15.490		$15.165		48,242
		2012		$15.165		$17.025		41,631
		2013		$17.025		$20.000		35,272
		2014		$20.000		$21.514		26,608
		2015		$21.514		$21.187		24,734
Putnam VT Global Health Care Fund – Class IB
		2006		$13.264		$13.405		24,547
		2007		$13.405		$13.098		12,934
		2008		$13.098		$10.678		23,876
		2009		$10.678		$13.227		21,918
		2010		$13.227		$13.325		22,632
		2011		$13.325		$12.946		22,653
		2012		$12.946		$15.560		20,276
		2013		$15.560		$21.671		18,879
		2014		$21.671		$27.194		18,183
		2015		$27.194		$28.816		18,063

K-88


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.961		$22.432		18,945
		2007		$22.432		$26.449		13,069
		2008		$26.449		$18.074		8,045
		2009		$18.074		$19.076		6,771
		2010		$19.076		$19.097		5,419
		2011		$19.097		$17.760		5,618
		2012		$17.760		$18.339		2,691
		2013		$18.339		$20.520		2,259
		2014		$20.520		$23.114		2,080
		2015		$23.114		$20.471		1,592
Putnam VT Growth and Income Fund – Class IB
		2006		$15.281		$17.414		189,319
		2007		$17.414		$16.084		159,148
		2008		$16.084		$9.693		116,929
		2009		$9.693		$12.370		100,412
		2010		$12.370		$13.910		86,978
		2011		$13.910		$13.041		76,604
		2012		$13.041		$15.273		60,011
		2013		$15.273		$20.372		44,018
		2014		$20.372		$22.178		35,500
		2015		$22.178		$20.161		25,448
Putnam VT High Yield Fund – Class IB
		2006		$14.718		$15.993		301,544
		2007		$15.993		$16.161		305,846
		2008		$16.161		$11.746		217,102
		2009		$11.746		$17.342		215,207
		2010		$17.342		$19.443		164,105
		2011		$19.443		$19.451		138,401
		2012		$19.451		$22.183		119,328
		2013		$22.183		$23.521		65,204
		2014		$23.521		$23.484		52,523
		2015		$23.484		$21.851		41,739
Putnam VT Income Fund – Class IB
		2006		$10.803		$11.101		914,327
		2007		$11.101		$11.482		932,946
		2008		$11.482		$8.587		701,127
		2009		$8.587		$12.381		537,163
		2010		$12.381		$13.374		423,127
		2011		$13.374		$13.806		309,378
		2012		$13.806		$15.030		252,654
		2013		$15.030		$15.052		226,045
		2014		$15.052		$15.753		174,810
		2015		$15.753		$15.261		143,042
Putnam VT International Equity Fund – Class IB
		2006		$16.884		$21.200		208,019
		2007		$21.200		$22.584		267,987
		2008		$22.584		$12.444		235,795
		2009		$12.444		$15.247		216,061
		2010		$15.247		$16.492		180,562
		2011		$16.492		$13.468		161,840
		2012		$13.468		$16.142		126,311
		2013		$16.142		$20.324		99,198
		2014		$20.324		$18.626		87,106
		2015		$18.626		$18.337		73,176

K-89


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.409		$17.260		59,846
		2007		$17.260		$16.090		56,727
		2008		$16.090		$9.562		57,533
		2009		$9.562		$12.299		53,186
		2010		$12.299		$13.774		43,590
		2011		$13.774		$13.547		37,786
		2012		$13.547		$15.559		33,195
		2013		$15.559		$20.669		31,416
		2014		$20.669		$23.147		28,151
		2015		$23.147		$22.260		24,592
Putnam VT Money Market Fund – Class IB
		2006		$9.841		$10.100		1,202,292
		2007		$10.100		$10.404		1,302,640
		2008		$10.404		$10.491		895,485
		2009		$10.491		$10.335		1,009,635
		2010		$10.335		$10.164		824,169
		2011		$10.164		$9.994		627,782
		2012		$9.994		$9.825		592,899
		2013		$9.825		$9.660		613,310
		2014		$9.660		$9.498		557,654
		2015		$9.498		$9.338		508,988
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.849		$16.915		20,031
		2007		$16.915		$17.582		4,574
		2008		$17.582		$10.587		3,141
		2009		$10.587		$13.753		2,744
		2010		$13.753		$16.165		18,102
		2011		$16.165		$15.085		11,431
		2012		$15.085		$17.315		9,291
		2013		$17.315		$23.225		7,888
		2014		$23.225		$25.913		6,996
		2015		$25.913		$25.401		5,950
Putnam VT New Value Fund – Class IB
		2006		$17.239		$19.663		343,255
		2007		$19.663		$18.384		382,838
		2008		$18.384		$9.984		325,754
		2009		$9.984		$9.399		0
Putnam VT Research Fund – Class IB
		2006		$14.315		$15.665		13,472
		2007		$15.665		$15.485		9,001
		2008		$15.485		$9.355		10,330
		2009		$9.355		$12.250		6,797
		2010		$12.250		$14.015		5,565
		2011		$14.015		$13.538		6,012
		2012		$13.538		$15.693		5,059
		2013		$15.693		$20.575		3,586
		2014		$20.575		$23.233		3,090
		2015		$23.233		$22.488		2,817
Putnam VT Vista Fund – Class IB
		2006		$17.458		$18.099		58,064
		2007		$18.099		$18.470		51,749
		2008		$18.470		$9.887		29,195
		2009		$9.887		$13.487		18,368
		2010		$13.487		$15.401		0

K-90


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.320		$13.807		316,832
		2007		$13.807		$14.322		249,085
		2008		$14.322		$8.865		189,190
		2009		$8.865		$14.284		131,514
		2010		$14.284		$16.964		100,660
		2011		$16.964		$13.701		92,916
		2012		$13.701		$15.385		75,424
		2013		$15.385		$21.739		56,162
		2014		$21.739		$23.449		44,528
		2015		$23.449		$21.644		31,936
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.573		$18.054		103,578
		2007		$18.054		$18.882		98,940
		2008		$18.882		$15.782		58,386
		2009		$15.782		$20.188		54,461
		2010		$20.188		$21.780		45,203
		2011		$21.780		$22.887		39,579
		2012		$22.887		$26.522		34,527
		2013		$26.522		$23.790		31,657
		2014		$23.790		$24.064		27,280
		2015		$24.064		$23.380		21,486
UIF Global Franchise Portfolio, Class II
		2006		$12.205		$14.580		671,532
		2007		$14.580		$15.734		793,322
		2008		$15.734		$10.992		696,993
		2009		$10.992		$14.000		582,715
		2010		$14.000		$15.697		418,726
		2011		$15.697		$16.829		335,572
		2012		$16.829		$19.123		285,120
		2013		$19.123		$22.497		249,258
		2014		$22.497		$23.114		236,244
		2015		$23.114		$24.133		191,907
UIF Growth Portfolio, Class I
		2006		$12.236		$12.524		44,233
		2007		$12.524		$15.008		18,828
		2008		$15.008		$7.497		15,161
		2009		$7.497		$12.202		9,385
		2010		$12.202		$14.738		8,422
		2011		$14.738		$14.084		4,448
		2012		$14.084		$15.836		4,013
		2013		$15.836		$23.053		2,661
		2014		$23.053		$24.105		2,298
		2015		$24.105		$26.598		2,141
UIF Growth Portfolio, Class II
		2006		$12.183		$12.434		34,463
		2007		$12.434		$14.871		30,048
		2008		$14.871		$7.405		31,018
		2009		$7.405		$12.022		21,686
		2010		$12.022		$14.492		17,723
		2011		$14.492		$13.814		15,679
		2012		$13.814		$15.488		8,117
		2013		$15.488		$22.494		6,501
		2014		$22.494		$23.460		5,713
		2015		$23.460		$25.824		2,184

K-91


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.826		151,344
		2007		$9.826		$11.844		287,553
		2008		$11.844		$6.192		303,564
		2009		$6.192		$9.580		218,132
		2010		$9.580		$12.457		149,574
		2011		$12.457		$11.368		114,103
		2012		$11.368		$12.125		88,284
		2013		$12.125		$16.388		61,551
		2014		$16.388		$16.407		48,478
		2015		$16.407		$15.164		42,208
UIF Small Company Growth Portfolio, Class II
		2006		$17.630		$19.384		35,762
		2007		$19.384		$19.619		33,493
		2008		$19.619		$11.488		39,583
		2009		$11.488		$16.562		23,722
		2010		$16.562		$20.606		20,927
		2011		$20.606		$18.493		18,291
		2012		$18.493		$20.854		14,200
		2013		$20.854		$35.126		10,702
		2014		$35.126		$29.745		9,936
		2015		$29.745		$26.378		9,322
UIF U.S. Real Estate Portfolio, Class II
		2006		$22.309		$30.195		378,389
		2007		$30.195		$24.555		372,415
		2008		$24.555		$14.953		326,604
		2009		$14.953		$18.888		264,687
		2010		$18.888		$24.053		210,207
		2011		$24.053		$24.986		188,619
		2012		$24.986		$28.400		165,074
		2013		$28.400		$28.409		179,784
		2014		$28.409		$36.148		154,301
		2015		$36.148		$36.220		142,896
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.955		$10.195		280,454
		2007		$10.195		$10.468		394,938
		2008		$10.468		$10.475		436,606
		2009		$10.475		$10.306		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 1.50% and an administrative expense charge of 0.19%.

K-92

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with 3 Year

Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

With the MAV Death Benefit Option, the Enhanced Beneficiary Protection (Annual Increase) Option, both added on or after May 1, 2003, and the Earnings Protection Death Benefit Option (age 71-79)

Mortality & Expense = 2.4


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.200		0
		2007		$10.200		$11.653		0
		2008		$11.653		$6.505		0
		2009		$6.505		$8.584		0
		2010		$8.584		$9.777		0
		2011		$9.777		$9.259		0
		2012		$9.259		$10.475		0
		2013		$10.475		$13.362		0
		2014		$13.362		$14.533		0
		2015		$14.533		$14.215		0
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.390		0
		2007		$10.390		$10.972		0
		2008		$10.972		$7.998		0
		2009		$7.998		$9.657		0
		2010		$9.657		$10.587		0
		2011		$10.587		$10.269		0
		2012		$10.269		$11.161		0
		2013		$11.161		$12.307		0
		2014		$12.307		$12.493		0
		2015		$12.493		$12.105		0
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.420		0
		2007		$10.420		$11.160		0
		2008		$11.160		$7.305		0
		2009		$7.305		$9.147		0
		2010		$9.147		$10.187		0
		2011		$10.187		$9.801		0
		2012		$9.801		$10.794		0
		2013		$10.794		$12.158		0
		2014		$12.158		$12.388		0
		2015		$12.388		$12.011		0
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.428		0
		2007		$10.428		$11.282		0
		2008		$11.282		$6.795		0
		2009		$6.795		$8.682		0
		2010		$8.682		$9.802		0
		2011		$9.802		$9.278		0
		2012		$9.278		$10.409		0
		2013		$10.409		$12.311		0
		2014		$12.311		$12.561		0
		2015		$12.561		$12.170		0

K-93


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.281		0
		2007		$10.281		$10.606		0
		2008		$10.606		$9.225		0
		2009		$9.225		$10.302		0
		2010		$10.302		$10.764		0
		2011		$10.764		$10.631		0
		2012		$10.631		$11.003		0
		2013		$11.003		$11.276		0
		2014		$11.276		$11.373		0
		2015		$11.373		$11.015		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$16.866		0
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.680		0
		2007		$9.680		$11.531		0
		2008		$11.531		$6.203		0
		2009		$6.203		$8.727		0
		2010		$8.727		$10.181		0
		2011		$10.181		$9.963		0
		2012		$9.963		$11.468		0
		2013		$11.468		$15.038		0
		2014		$15.038		$16.455		0
		2015		$16.455		$17.406		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.750		0
		2007		$10.750		$11.012		0
		2008		$11.012		$6.741		0
		2009		$6.741		$8.293		0
		2010		$8.293		$9.268		0
		2011		$9.268		$9.190		0
		2012		$9.190		$10.351		0
		2013		$10.351		$13.300		0
		2014		$13.300		$14.677		0
		2015		$14.677		$14.452		0
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.811		0
		2007		$9.811		$11.021		0
		2008		$11.021		$6.483		0
		2009		$6.483		$8.826		0
		2010		$8.826		$11.054		0
		2011		$11.054		$9.600		0
		2012		$9.600		$10.712		0
		2013		$10.712		$14.178		0
		2014		$14.178		$14.644		0
		2015		$14.644		$14.032		0
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.424		$16.406		423
		2007		$16.406		$15.386		428
		2008		$15.386		$9.720		938
		2009		$9.720		$11.983		628
		2010		$11.983		$13.619		23
		2011		$13.619		$13.587		19
		2012		$13.587		$14.853		18
		2013		$14.853		$18.751		0
		2014		$18.751		$19.934		0
		2015		$19.934		$19.242		0

K-94


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.050		$12.728		508
		2007		$12.728		$12.862		485
		2008		$12.862		$8.813		450
		2009		$8.813		$11.641		449
		2010		$11.641		$12.777		428
		2011		$12.777		$12.744		285
		2012		$12.744		$13.983		142
		2013		$13.983		$15.520		0
		2014		$15.520		$15.816		0
		2015		$15.816		$14.319		0
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.336		$11.166		0
		2007		$11.166		$11.553		0
		2008		$11.553		$7.368		0
		2009		$7.368		$9.311		0
		2010		$9.311		$10.121		0
		2011		$10.121		$9.711		0
		2012		$9.711		$10.629		0
		2013		$10.629		$13.318		0
		2014		$13.318		$14.590		0
		2015		$14.590		$15.011		0
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$10.943		0
		2007		$10.943		$11.921		0
		2008		$11.921		$8.308		675
		2009		$8.308		$9.980		731
		2010		$9.980		$10.884		0
		2011		$10.884		$10.289		0
		2012		$10.289		$11.361		0
		2013		$11.361		$14.123		276
		2014		$14.123		$14.542		0
		2015		$14.542		$13.648		0
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$14.860		$17.137		1,078
		2007		$17.137		$17.271		1,022
		2008		$17.271		$10.580		939
		2009		$10.580		$12.991		613
		2010		$12.991		$14.072		317
		2011		$14.072		$13.565		305
		2012		$13.565		$15.095		282
		2013		$15.095		$18.860		207
		2014		$18.860		$19.680		0
		2015		$19.680		$18.223		0
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.438		$21.012		873
		2007		$21.012		$19.977		754
		2008		$19.977		$13.034		697
		2009		$13.034		$16.398		0
		2010		$16.398		$20.482		0
		2011		$20.482		$19.202		0
		2012		$19.202		$22.143		0
		2013		$22.143		$29.387		133
		2014		$29.387		$28.789		0
		2015		$28.789		$25.971		0

K-95


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.080		$18.085		0
		2007		$18.085		$19.595		0
		2008		$19.595		$10.975		0
		2009		$10.975		$15.350		0
		2010		$15.350		$19.083		0
		2011		$19.083		$17.692		0
		2012		$17.692		$19.102		0
		2013		$19.102		$25.707		0
		2014		$25.707		$26.913		0
		2015		$26.913		$25.519		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.158		$10.294		0
		2007		$10.294		$10.688		0
		2008		$10.688		$11.201		0
		2009		$11.201		$11.249		0
		2010		$11.249		$11.537		0
		2011		$11.537		$11.877		0
		2012		$11.877		$11.787		0
		2013		$11.787		$11.225		0
		2014		$11.225		$11.304		0
		2015		$11.304		$11.063		0
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.226		$31.477		324
		2007		$31.477		$39.483		280
		2008		$39.483		$18.188		259
		2009		$18.188		$30.579		0
		2010		$30.579		$35.026		0
		2011		$35.026		$28.710		0
		2012		$28.710		$31.646		0
		2013		$31.646		$30.542		0
		2014		$30.542		$27.254		0
		2015		$27.254		$21.343		0
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$16.704		$19.762		512
		2007		$19.762		$22.223		442
		2008		$22.223		$12.906		409
		2009		$12.906		$17.228		0
		2010		$17.228		$18.193		0
		2011		$18.193		$15.838		0
		2012		$15.838		$18.240		0
		2013		$18.240		$21.849		0
		2014		$21.849		$18.914		0
		2015		$18.914		$17.227		0
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.482		$14.811		0
		2007		$14.811		$16.013		0
		2008		$16.013		$16.566		0
		2009		$16.566		$19.152		0
		2010		$19.152		$21.352		0
		2011		$21.352		$20.619		0
		2012		$20.619		$23.110		0
		2013		$23.110		$22.878		0
		2014		$22.878		$22.694		0
		2015		$22.694		$21.154		0

K-96


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$12.690		$12.687		0
		2007		$12.687		$14.413		0
		2008		$14.413		$7.144		0
		2009		$7.144		$11.527		0
		2010		$11.527		$13.425		0
		2011		$13.425		$12.242		0
		2012		$12.242		$13.522		0
		2013		$13.522		$18.414		0
		2014		$18.414		$19.402		0
		2015		$19.402		$19.798		0
Invesco V.I. American Value Fund – Series I
		2006		$12.286		$14.446		861
		2007		$14.446		$15.174		788
		2008		$15.174		$8.677		746
		2009		$8.677		$11.767		338
		2010		$11.767		$14.012		22
		2011		$14.012		$13.775		19
		2012		$13.775		$15.740		17
		2013		$15.740		$20.586		0
		2014		$20.586		$22.009		0
		2015		$22.009		$19.482		0
Invesco V.I. American Value Fund – Series II
		2006		$12.261		$14.408		0
		2007		$14.408		$15.119		0
		2008		$15.119		$8.627		0
		2009		$8.627		$11.694		0
		2010		$11.694		$13.919		0
		2011		$13.919		$13.671		0
		2012		$13.671		$15.590		0
		2013		$15.590		$20.339		0
		2014		$20.339		$21.691		0
		2015		$21.691		$19.151		0
Invesco V.I. Comstock Fund – Series II
		2006		$11.426		$12.917		0
		2007		$12.917		$12.288		0
		2008		$12.288		$7.684		0
		2009		$7.684		$9.611		0
		2010		$9.611		$10.832		0
		2011		$10.832		$10.329		0
		2012		$10.329		$11.965		0
		2013		$11.965		$15.811		0
		2014		$15.811		$16.803		0
		2015		$16.803		$15.354		0
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.394		$12.496		0
		2007		$12.496		$12.579		0
		2008		$12.579		$9.474		0
		2009		$9.474		$11.304		0
		2010		$11.304		$12.336		0
		2011		$12.336		$11.861		0
		2012		$11.861		$12.985		0
		2013		$12.985		$15.796		0
		2014		$15.796		$16.736		0
		2015		$16.736		$15.881		0

K-97


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$15.729		$17.771		699
		2007		$17.771		$17.745		667
		2008		$17.745		$11.717		542
		2009		$11.717		$14.165		271
		2010		$14.165		$15.481		20
		2011		$15.481		$14.740		18
		2012		$14.740		$16.417		16
		2013		$16.417		$21.392		0
		2014		$21.392		$22.915		0
		2015		$22.915		$21.582		0
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$11.965		$12.230		562
		2007		$12.230		$14.008		479
		2008		$14.008		$7.254		481
		2009		$7.254		$11.050		25
		2010		$11.050		$13.700		23
		2011		$13.700		$12.096		22
		2012		$12.096		$13.152		20
		2013		$13.152		$17.501		0
		2014		$17.501		$18.359		0
		2015		$18.359		$18.070		0
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.201		$10.865		185
		2007		$10.865		$11.236		176
		2008		$11.236		$9.026		164
		2009		$9.026		$11.809		163
		2010		$11.809		$12.920		156
		2011		$12.920		$13.138		104
		2012		$13.138		$14.400		52
		2013		$14.400		$15.174		771
		2014		$15.174		$15.423		0
		2015		$15.423		$14.794		0
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.340		$12.665		344
		2007		$12.665		$13.164		329
		2008		$13.164		$9.146		305
		2009		$9.146		$11.224		304
		2010		$11.224		$13.014		290
		2011		$13.014		$12.108		193
		2012		$12.108		$13.042		96
		2013		$13.042		$17.247		0
		2014		$17.247		$18.000		0
		2015		$18.000		$16.930		0
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$10.932		$12.489		1,925
		2007		$12.489		$12.582		1,695
		2008		$12.582		$7.792		1,569
		2009		$7.792		$9.024		311
		2010		$9.024		$10.321		297
		2011		$10.321		$9.443		198
		2012		$9.443		$10.310		99
		2013		$10.310		$13.648		0
		2014		$13.648		$14.312		0
		2015		$14.312		$13.542		0

K-98


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.330		$11.908		0
		2007		$11.908		$14.067		0
		2008		$14.067		$8.462		0
		2009		$8.462		$11.997		0
		2010		$11.997		$14.365		0
		2011		$14.365		$12.588		0
		2012		$12.588		$13.990		0
		2013		$13.990		$18.681		0
		2014		$18.681		$19.301		0
		2015		$19.301		$19.313		0
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.701		$12.793		1,834
		2007		$12.793		$12.533		1,614
		2008		$12.533		$7.403		1,494
		2009		$7.403		$9.131		294
		2010		$9.131		$11.156		281
		2011		$11.156		$10.432		187
		2012		$10.432		$11.639		93
		2013		$11.639		$14.775		0
		2014		$14.775		$16.052		0
		2015		$16.052		$15.044		0
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$12.958		$13.593		896
		2007		$13.593		$15.074		792
		2008		$15.074		$7.978		792
		2009		$7.978		$11.203		355
		2010		$11.203		$11.911		26
		2011		$11.911		$11.444		23
		2012		$11.444		$12.686		21
		2013		$12.686		$15.994		0
		2014		$15.994		$17.936		0
		2015		$17.936		$18.043		0
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.021		$15.142		300
		2007		$15.142		$15.262		285
		2008		$15.262		$8.382		321
		2009		$8.382		$9.928		304
		2010		$9.928		$10.897		286
		2011		$10.897		$10.657		273
		2012		$10.657		$11.636		257
		2013		$11.636		$12.790		0
		2014		$12.790		$13.457		0
		2015		$13.457		$13.183		0
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.053		$10.277		0
		2007		$10.277		$10.418		0
		2008		$10.418		$6.183		0
		2009		$6.183		$6.568		0
		2010		$6.568		$7.119		0
		2011		$7.119		$7.485		0
		2012		$7.485		$8.033		0
		2013		$8.033		$7.795		0
		2014		$7.795		$8.119		0
		2015		$8.119		$7.964		0

K-99


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.589		$15.596		0
		2007		$15.596		$16.107		0
		2008		$16.107		$7.968		0
		2009		$7.968		$10.266		0
		2010		$10.266		$12.716		0
		2011		$12.716		$12.491		0
		2012		$12.491		$14.134		0
		2013		$14.134		$18.673		0
		2014		$18.673		$19.194		0
		2015		$19.194		$19.883		0
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.156		$20.759		0
		2007		$20.759		$21.448		0
		2008		$21.448		$12.465		0
		2009		$12.465		$16.921		0
		2010		$16.921		$19.072		0
		2011		$19.072		$16.994		0
		2012		$16.994		$20.021		0
		2013		$20.021		$24.767		0
		2014		$24.767		$24.622		0
		2015		$24.622		$24.865		0
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$12.687		$13.253		2,387
		2007		$13.253		$14.141		2,094
		2008		$14.141		$11.779		1,772
		2009		$11.779		$13.587		632
		2010		$13.587		$15.190		583
		2011		$15.190		$14.894		553
		2012		$14.894		$16.415		1,031
		2013		$16.415		$15.931		490
		2014		$15.931		$15.905		0
		2015		$15.905		$15.107		0
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.520		$14.385		895
		2007		$14.385		$13.945		884
		2008		$13.945		$2.910		2,605
		2009		$2.910		$3.571		2,405
		2010		$3.571		$3.981		2,229
		2011		$3.981		$3.778		2,178
		2012		$3.778		$4.164		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$13.716		$15.334		1,003
		2007		$15.334		$15.555		952
		2008		$15.555		$9.299		878
		2009		$9.299		$11.594		505
		2010		$11.594		$13.081		183
		2011		$13.081		$12.703		173
		2012		$12.703		$14.428		157
		2013		$14.428		$18.473		0
		2014		$18.473		$19.866		0
		2015		$19.866		$19.953		0

K-100


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.037		$20.146		346
		2007		$20.146		$19.349		345
		2008		$19.349		$11.684		302
		2009		$11.684		$15.579		18
		2010		$15.579		$18.675		17
		2011		$18.675		$17.759		15
		2012		$17.759		$20.354		13
		2013		$20.354		$27.882		0
		2014		$27.882		$30.325		0
		2015		$30.325		$27.740		0
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$11.888		0
		2010		$11.888		$13.040		0
		2011		$13.040		$12.947		0
		2012		$12.947		$15.045		0
		2013		$15.045		$19.407		0
		2014		$19.407		$21.298		0
		2015		$21.298		$20.115		0
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$12.791		$13.946		820
		2007		$13.946		$13.712		807
		2008		$13.712		$7.918		453
		2009		$7.918		$9.689		415
		2010		$9.689		$10.460		398
		2011		$10.460		$10.472		370
		2012		$10.472		$11.479		347
		2013		$11.479		$13.205		0
		2014		$13.205		$14.236		0
		2015		$14.236		$13.711		0
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.650		$15.007		202
		2007		$15.007		$15.046		193
		2008		$15.046		$9.772		184
		2009		$9.772		$12.871		156
		2010		$12.871		$14.379		145
		2011		$14.379		$13.949		139
		2012		$13.949		$15.516		128
		2013		$15.516		$18.060		0
		2014		$18.060		$19.250		0
		2015		$19.250		$18.784		0
Putnam VT Global Health Care Fund – Class IB
		2006		$12.893		$12.910		0
		2007		$12.910		$12.499		0
		2008		$12.499		$10.096		0
		2009		$10.096		$12.392		0
		2010		$12.392		$12.369		0
		2011		$12.369		$11.907		0
		2012		$11.907		$14.181		0
		2013		$14.181		$19.569		0
		2014		$19.569		$24.332		0
		2015		$24.332		$25.548		0

K-101


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.459		$21.606		0
		2007		$21.606		$25.240		0
		2008		$25.240		$17.089		0
		2009		$17.089		$17.871		0
		2010		$17.871		$17.728		0
		2011		$17.728		$16.336		0
		2012		$16.336		$16.714		0
		2013		$16.714		$18.530		0
		2014		$18.530		$20.682		0
		2015		$20.682		$18.149		0
Putnam VT Growth and Income Fund – Class IB
		2006		$14.853		$16.772		738
		2007		$16.772		$15.349		772
		2008		$15.349		$9.165		381
		2009		$9.165		$11.589		24
		2010		$11.589		$12.912		24
		2011		$12.912		$11.995		22
		2012		$11.995		$13.919		19
		2013		$13.919		$18.397		0
		2014		$18.397		$19.843		0
		2015		$19.843		$17.874		0
Putnam VT High Yield Fund – Class IB
		2006		$14.306		$15.403		295
		2007		$15.403		$15.421		282
		2008		$15.421		$11.106		241
		2009		$11.106		$16.248		187
		2010		$16.248		$18.049		173
		2011		$18.049		$17.892		162
		2012		$17.892		$20.217		148
		2013		$20.217		$21.241		0
		2014		$21.241		$21.013		0
		2015		$21.013		$19.373		0
Putnam VT Income Fund – Class IB
		2006		$10.500		$10.692		1,743
		2007		$10.692		$10.957		1,505
		2008		$10.957		$8.120		1,393
		2009		$8.120		$11.600		0
		2010		$11.600		$12.415		0
		2011		$12.415		$12.699		0
		2012		$12.699		$13.698		0
		2013		$13.698		$13.593		0
		2014		$13.593		$14.096		0
		2015		$14.096		$13.530		0
Putnam VT International Equity Fund – Class IB
		2006		$16.411		$20.419		0
		2007		$20.419		$21.551		0
		2008		$21.551		$11.766		0
		2009		$11.766		$14.284		0
		2010		$14.284		$15.309		0
		2011		$15.309		$12.388		0
		2012		$12.388		$14.711		0
		2013		$14.711		$18.353		0
		2014		$18.353		$16.665		0
		2015		$16.665		$16.256		0

K-102


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$14.978		$16.624		0
		2007		$16.624		$15.354		0
		2008		$15.354		$9.041		0
		2009		$9.041		$11.522		0
		2010		$11.522		$12.786		0
		2011		$12.786		$12.461		0
		2012		$12.461		$14.180		0
		2013		$14.180		$18.665		0
		2014		$18.665		$20.711		0
		2015		$20.711		$19.735		0
Putnam VT Money Market Fund – Class IB
		2006		$9.565		$9.728		0
		2007		$9.728		$9.928		0
		2008		$9.928		$9.919		0
		2009		$9.919		$9.682		1,043
		2010		$9.682		$9.435		1,101
		2011		$9.435		$9.192		1,053
		2012		$9.192		$8.954		1,112
		2013		$8.954		$8.723		893
		2014		$8.723		$8.498		0
		2015		$8.498		$8.279		0
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.405		$16.291		859
		2007		$16.291		$16.778		812
		2008		$16.778		$10.010		442
		2009		$10.010		$12.885		27
		2010		$12.885		$15.006		46
		2011		$15.006		$13.875		42
		2012		$13.875		$15.780		38
		2013		$15.780		$20.973		0
		2014		$20.973		$23.186		0
		2015		$23.186		$22.520		0
Putnam VT New Value Fund – Class IB
		2006		$16.757		$18.938		0
		2007		$18.938		$17.543		0
		2008		$17.543		$9.439		0
		2009		$9.439		$8.877		0
Putnam VT Research Fund – Class IB
		2006		$13.914		$15.088		0
		2007		$15.088		$14.777		0
		2008		$14.777		$8.846		0
		2009		$8.846		$11.476		0
		2010		$11.476		$13.010		0
		2011		$13.010		$12.452		0
		2012		$12.452		$14.302		0
		2013		$14.302		$18.580		0
		2014		$18.580		$20.788		0
		2015		$20.788		$19.937		0
Putnam VT Vista Fund – Class IB
		2006		$16.969		$17.432		1,376
		2007		$17.432		$17.625		1,225
		2008		$17.625		$9.348		1,157
		2009		$9.348		$12.635		22
		2010		$12.635		$14.332		0

K-103


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$12.947		$13.298		2,422
		2007		$13.298		$13.666		2,185
		2008		$13.666		$8.382		1,624
		2009		$8.382		$13.382		26
		2010		$13.382		$15.747		25
		2011		$15.747		$12.602		26
		2012		$12.602		$14.021		24
		2013		$14.021		$19.631		0
		2014		$19.631		$20.981		0
		2015		$20.981		$19.188		0
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.109		$17.388		772
		2007		$17.388		$18.019		680
		2008		$18.019		$14.923		591
		2009		$14.923		$18.914		134
		2010		$18.914		$20.219		129
		2011		$20.219		$21.052		115
		2012		$21.052		$24.172		103
		2013		$24.172		$21.484		0
		2014		$21.484		$21.532		0
		2015		$21.532		$20.728		0
UIF Global Franchise Portfolio, Class II
		2006		$11.983		$14.184		0
		2007		$14.184		$15.166		0
		2008		$15.166		$10.497		0
		2009		$10.497		$13.249		0
		2010		$13.249		$14.719		0
		2011		$14.719		$15.636		0
		2012		$15.636		$17.605		0
		2013		$17.605		$20.521		0
		2014		$20.521		$20.891		0
		2015		$20.891		$21.612		0
UIF Growth Portfolio, Class I
		2006		$12.050		$12.221		433
		2007		$12.221		$14.510		365
		2008		$14.510		$7.181		390
		2009		$7.181		$11.581		318
		2010		$11.581		$13.861		0
		2011		$13.861		$13.125		0
		2012		$13.125		$14.622		0
		2013		$14.622		$21.091		0
		2014		$21.091		$21.852		0
		2015		$21.852		$23.891		0
UIF Growth Portfolio, Class II
		2006		$11.998		$12.133		0
		2007		$12.133		$14.377		0
		2008		$14.377		$7.093		0
		2009		$7.093		$11.411		0
		2010		$11.411		$13.629		0
		2011		$13.629		$12.873		0
		2012		$12.873		$14.301		0
		2013		$14.301		$20.580		0
		2014		$20.580		$21.267		0
		2015		$21.267		$23.196		0

K-104


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.766		0
		2007		$9.766		$11.662		0
		2008		$11.662		$6.041		0
		2009		$6.041		$9.261		0
		2010		$9.261		$11.933		0
		2011		$11.933		$10.790		0
		2012		$10.790		$11.402		0
		2013		$11.402		$15.270		0
		2014		$15.270		$15.149		0
		2015		$15.149		$13.872		0
UIF Small Company Growth Portfolio, Class II
		2006		$17.203		$18.742		941
		2007		$18.742		$18.795		812
		2008		$18.795		$10.904		752
		2009		$10.904		$15.577		0
		2010		$15.577		$19.203		0
		2011		$19.203		$17.077		0
		2012		$17.077		$19.080		0
		2013		$19.080		$31.844		0
		2014		$31.844		$26.718		0
		2015		$26.718		$23.477		0
UIF U.S. Real Estate Portfolio, Class II
		2006		$21.685		$29.083		498
		2007		$29.083		$23.432		473
		2008		$23.432		$14.138		458
		2009		$14.138		$17.695		140
		2010		$17.695		$22.327		116
		2011		$22.327		$22.982		105
		2012		$22.982		$25.882		96
		2013		$25.882		$25.654		0
		2014		$25.654		$32.343		0
		2015		$32.343		$32.111		0
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.773		$9.918		1,527
		2007		$9.918		$10.090		1,438
		2008		$10.090		$10.005		886
		2009		$10.005		$9.756		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 2.40% and an administrative expense charge of 0.19%.

K-105

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with No

Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

Basic Contract

Mortality & Expense = 1.6


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.256		101,761
		2007		$10.256		$11.814		99,784
		2008		$11.814		$6.649		90,797
		2009		$6.649		$8.846		99,596
		2010		$8.846		$10.158		64,871
		2011		$10.158		$9.699		51,961
		2012		$9.699		$11.063		23,930
		2013		$11.063		$14.228		16,350
		2014		$14.228		$15.602		17,303
		2015		$15.602		$15.386		16,041
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.447		0
		2007		$10.447		$11.123		18,543
		2008		$11.123		$8.175		53,234
		2009		$8.175		$9.952		38,273
		2010		$9.952		$11.000		11,860
		2011		$11.000		$10.757		1,960
		2012		$10.757		$11.788		1,412
		2013		$11.788		$13.104		1,410
		2014		$13.104		$13.412		1,408
		2015		$13.412		$13.102		1,405
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.477		1,372
		2007		$10.477		$11.314		1,363
		2008		$11.314		$7.467		18,158
		2009		$7.467		$9.426		21,246
		2010		$9.426		$10.584		33,341
		2011		$10.584		$10.266		29,455
		2012		$10.266		$11.400		20,018
		2013		$11.400		$12.946		15,562
		2014		$12.946		$13.299		6,325
		2015		$13.299		$13.001		5,482
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.486		0
		2007		$10.486		$11.438		0
		2008		$11.438		$6.945		4,122
		2009		$6.945		$8.948		13,145
		2010		$8.948		$10.184		6,941
		2011		$10.184		$9.719		2,791
		2012		$9.719		$10.994		2,774
		2013		$10.994		$13.108		2,760
		2014		$13.108		$13.484		2,747
		2015		$13.484		$13.173		2,733

K-106


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.338		0
		2007		$10.338		$10.753		1,648
		2008		$10.753		$9.430		0
		2009		$9.430		$10.617		0
		2010		$10.617		$11.183		0
		2011		$11.183		$11.136		0
		2012		$11.136		$11.621		0
		2013		$11.621		$12.007		0
		2014		$12.007		$12.209		0
		2015		$12.209		$11.922		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$18.256		9,200
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.733		6,172
		2007		$9.733		$11.690		943
		2008		$11.690		$6.340		943
		2009		$6.340		$8.993		5,951
		2010		$8.993		$10.578		5,951
		2011		$10.578		$10.436		11,908
		2012		$10.436		$12.112		15,964
		2013		$12.112		$16.012		11,975
		2014		$16.012		$17.665		11,906
		2015		$17.665		$18.733		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.809		1,419
		2007		$10.809		$11.165		5,208
		2008		$11.165		$6.890		5,044
		2009		$6.890		$8.547		4,074
		2010		$8.547		$9.630		3,945
		2011		$9.630		$9.627		3,832
		2012		$9.627		$10.932		3,444
		2013		$10.932		$14.162		2,525
		2014		$14.162		$15.757		10,186
		2015		$15.757		$15.642		14,030
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.865		9,107
		2007		$9.865		$11.173		16,959
		2008		$11.173		$6.627		11,031
		2009		$6.627		$9.096		13,667
		2010		$9.096		$11.485		16,003
		2011		$11.485		$10.056		12,699
		2012		$10.056		$11.314		6,885
		2013		$11.314		$15.097		5,480
		2014		$15.097		$15.721		4,893
		2015		$15.721		$15.188		4,301
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.791		$16.961		48,538
		2007		$16.961		$16.039		47,477
		2008		$16.039		$10.215		27,395
		2009		$10.215		$12.697		20,692
		2010		$12.697		$14.549		20,350
		2011		$14.549		$14.633		21,219
		2012		$14.633		$16.129		18,922
		2013		$16.129		$20.529		15,575
		2014		$20.529		$22.004		14,847
		2015		$22.004		$21.414		9,969

K-107


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.202		$13.008		300,594
		2007		$13.008		$13.254		326,039
		2008		$13.254		$9.156		278,717
		2009		$9.156		$12.194		223,569
		2010		$12.194		$13.493		167,583
		2011		$13.493		$13.568		153,471
		2012		$13.568		$15.011		133,425
		2013		$15.011		$16.797		91,620
		2014		$16.797		$17.258		68,019
		2015		$17.258		$15.753		62,372
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.442		$11.373		133,393
		2007		$11.373		$11.864		90,645
		2008		$11.864		$7.628		76,526
		2009		$7.628		$9.719		66,209
		2010		$9.719		$10.652		52,884
		2011		$10.652		$10.304		41,106
		2012		$10.304		$11.371		33,911
		2013		$11.371		$14.365		24,464
		2014		$14.365		$15.866		20,809
		2015		$15.866		$16.458		13,936
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$11.004		40,999
		2007		$11.004		$12.086		61,577
		2008		$12.086		$8.492		48,349
		2009		$8.492		$10.285		52,250
		2010		$10.285		$11.308		49,980
		2011		$11.308		$10.778		41,595
		2012		$10.778		$11.998		16,553
		2013		$11.998		$15.038		12,331
		2014		$15.038		$15.611		11,299
		2015		$15.611		$14.772		9,920
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$15.238		$17.717		119,196
		2007		$17.717		$18.004		108,493
		2008		$18.004		$11.120		78,400
		2009		$11.120		$13.765		61,652
		2010		$13.765		$15.032		47,523
		2011		$15.032		$14.610		41,084
		2012		$14.610		$16.392		34,269
		2013		$16.392		$20.648		18,566
		2014		$20.648		$21.723		13,528
		2015		$21.723		$20.281		11,995
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.907		$21.723		31,855
		2007		$21.723		$20.824		28,468
		2008		$20.824		$13.698		19,973
		2009		$13.698		$17.375		17,774
		2010		$17.375		$21.881		11,078
		2011		$21.881		$20.682		9,661
		2012		$20.682		$24.046		8,852
		2013		$24.046		$32.173		5,778
		2014		$32.173		$31.778		4,651
		2015		$31.778		$28.903		3,744

K-108


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.515		$18.698		0
		2007		$18.698		$20.425		0
		2008		$20.425		$11.535		0
		2009		$11.535		$16.264		0
		2010		$16.264		$20.386		0
		2011		$20.386		$19.055		0
		2012		$19.055		$20.743		0
		2013		$20.743		$28.145		0
		2014		$28.145		$29.707		0
		2015		$29.707		$28.400		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.298		$10.520		90,463
		2007		$10.520		$11.014		63,048
		2008		$11.014		$11.637		61,237
		2009		$11.637		$11.783		49,183
		2010		$11.783		$12.183		63,376
		2011		$12.183		$12.646		59,574
		2012		$12.646		$12.653		59,470
		2013		$12.653		$12.148		35,936
		2014		$12.148		$12.335		39,118
		2015		$12.335		$12.171		19,770
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.867		$32.542		17,441
		2007		$32.542		$41.155		14,969
		2008		$41.155		$19.115		7,214
		2009		$19.115		$32.401		7,357
		2010		$32.401		$37.417		6,635
		2011		$37.417		$30.922		7,427
		2012		$30.922		$34.364		6,508
		2013		$34.364		$33.437		6,677
		2014		$33.437		$30.083		4,398
		2015		$30.083		$23.752		4,426
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$17.129		$20.431		81,328
		2007		$20.431		$23.164		69,029
		2008		$23.164		$13.563		43,154
		2009		$13.563		$18.255		29,389
		2010		$18.255		$19.436		23,615
		2011		$19.436		$17.058		18,159
		2012		$17.058		$19.807		13,174
		2013		$19.807		$23.921		11,667
		2014		$23.921		$20.877		9,494
		2015		$20.877		$19.172		7,987
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.825		$15.313		0
		2007		$15.313		$16.692		0
		2008		$16.692		$17.410		952
		2009		$17.410		$20.293		1,687
		2010		$20.293		$22.810		1,730
		2011		$22.810		$22.207		1,725
		2012		$22.207		$25.095		1,417
		2013		$25.095		$25.047		1,388
		2014		$25.047		$25.050		3,363
		2015		$25.050		$23.542		4,177

K-109


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$13.013		$13.116		16,490
		2007		$13.116		$15.024		9,192
		2008		$15.024		$7.508		5,082
		2009		$7.508		$12.214		4,116
		2010		$12.214		$14.342		4,097
		2011		$14.342		$13.186		4,311
		2012		$13.186		$14.684		4,140
		2013		$14.684		$20.160		3,502
		2014		$20.160		$21.417		2,226
		2015		$21.417		$22.033		2,109
Invesco V.I. American Value Fund – Series I
		2006		$12.455		$14.764		5,289
		2007		$14.764		$15.636		5,082
		2008		$15.636		$9.015		3,220
		2009		$9.015		$12.325		2,743
		2010		$12.325		$14.797		1,973
		2011		$14.797		$14.667		1,131
		2012		$14.667		$16.897		1,985
		2013		$16.897		$22.281		1,063
		2014		$22.281		$24.015		1,468
		2015		$24.015		$21.433		855
Invesco V.I. American Value Fund – Series II
		2006		$12.429		$14.725		12,220
		2007		$14.725		$15.580		18,366
		2008		$15.580		$8.963		13,037
		2009		$8.963		$12.250		10,552
		2010		$12.250		$14.699		6,254
		2011		$14.699		$14.556		7,290
		2012		$14.556		$16.735		5,356
		2013		$16.735		$22.013		4,323
		2014		$22.013		$23.668		3,259
		2015		$23.668		$21.069		3,953
Invesco V.I. Comstock Fund – Series II
		2006		$11.583		$13.202		96,241
		2007		$13.202		$12.662		62,385
		2008		$12.662		$7.983		38,316
		2009		$7.983		$10.067		34,260
		2010		$10.067		$11.439		27,134
		2011		$11.439		$10.998		17,105
		2012		$10.998		$12.845		14,020
		2013		$12.845		$17.113		9,416
		2014		$17.113		$18.336		13,371
		2015		$18.336		$16.892		11,880
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.550		$12.771		72,485
		2007		$12.771		$12.962		66,971
		2008		$12.962		$9.843		44,327
		2009		$9.843		$11.841		27,589
		2010		$11.841		$13.028		21,104
		2011		$13.028		$12.629		15,249
		2012		$12.629		$13.939		13,154
		2013		$13.939		$17.096		9,645
		2014		$17.096		$18.262		5,638
		2015		$18.262		$17.471		5,458

K-110


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$16.129		$18.372		88,795
		2007		$18.372		$18.497		52,886
		2008		$18.497		$12.314		39,008
		2009		$12.314		$15.009		36,554
		2010		$15.009		$16.538		26,125
		2011		$16.538		$15.875		24,807
		2012		$15.875		$17.827		23,154
		2013		$17.827		$23.421		17,960
		2014		$23.421		$25.294		14,613
		2015		$25.294		$24.018		13,205
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$12.129		$12.499		2,041
		2007		$12.499		$14.435		1,940
		2008		$14.435		$7.537		212
		2009		$7.537		$11.574		0
		2010		$11.574		$14.468		0
		2011		$14.468		$12.879		0
		2012		$12.879		$14.119		0
		2013		$14.119		$18.942		0
		2014		$18.942		$20.033		2,213
		2015		$20.033		$19.880		1,954
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.305		$11.066		133,264
		2007		$11.066		$11.539		47,660
		2008		$11.539		$9.345		37,334
		2009		$9.345		$12.327		38,088
		2010		$12.327		$13.597		28,215
		2011		$13.597		$13.940		31,300
		2012		$13.940		$15.405		26,709
		2013		$15.405		$16.366		25,783
		2014		$16.366		$16.772		33,421
		2015		$16.772		$16.219		27,995
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.456		$12.899		21,461
		2007		$12.899		$13.519		15,659
		2008		$13.519		$9.470		12,046
		2009		$9.470		$11.716		10,791
		2010		$11.716		$13.696		8,367
		2011		$13.696		$12.847		7,241
		2012		$12.847		$13.952		3,826
		2013		$13.952		$18.602		3,104
		2014		$18.602		$19.574		3,155
		2015		$19.574		$18.561		1,587
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$11.043		$12.720		72,238
		2007		$12.720		$12.920		83,465
		2008		$12.920		$8.067		53,957
		2009		$8.067		$9.420		48,170
		2010		$9.420		$10.862		32,228
		2011		$10.862		$10.020		28,704
		2012		$10.020		$11.029		17,286
		2013		$11.029		$14.721		12,736
		2014		$14.721		$15.563		7,370
		2015		$15.563		$14.847		6,589

K-111


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.446		$12.129		25,731
		2007		$12.129		$14.445		27,856
		2008		$14.445		$8.761		14,051
		2009		$8.761		$12.523		12,260
		2010		$12.523		$15.119		10,688
		2011		$15.119		$13.356		7,617
		2012		$13.356		$14.967		7,475
		2013		$14.967		$20.149		5,306
		2014		$20.149		$20.989		4,993
		2015		$20.989		$21.175		2,243
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.821		$13.030		79,065
		2007		$13.030		$12.870		64,917
		2008		$12.870		$7.665		38,093
		2009		$7.665		$9.531		33,322
		2010		$9.531		$11.741		17,564
		2011		$11.741		$11.069		16,093
		2012		$11.069		$12.451		13,787
		2013		$12.451		$15.936		9,985
		2014		$15.936		$17.455		9,265
		2015		$17.455		$16.493		7,825
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$13.244		$14.006		109,153
		2007		$14.006		$15.661		94,498
		2008		$15.661		$8.357		65,749
		2009		$8.357		$11.831		57,828
		2010		$11.831		$12.682		44,855
		2011		$12.682		$12.284		40,237
		2012		$12.284		$13.730		35,163
		2013		$13.730		$17.452		25,789
		2014		$17.452		$19.733		18,092
		2015		$19.733		$20.013		14,849
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$14.378		$15.654		16,614
		2007		$15.654		$15.909		14,185
		2008		$15.909		$8.809		14,356
		2009		$8.809		$10.520		13,002
		2010		$10.520		$11.642		11,032
		2011		$11.642		$11.478		8,941
		2012		$11.478		$12.636		8,667
		2013		$12.636		$14.003		5,148
		2014		$14.003		$14.854		4,704
		2015		$14.854		$14.671		4,634
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.156		$10.467		56,610
		2007		$10.467		$10.699		113,131
		2008		$10.699		$6.402		91,674
		2009		$6.402		$6.856		87,991
		2010		$6.856		$7.493		78,060
		2011		$7.493		$7.942		54,983
		2012		$7.942		$8.593		33,793
		2013		$8.593		$8.408		24,385
		2014		$8.408		$8.829		22,474
		2015		$8.829		$8.732		24,158

K-112


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.986		$16.124		30,216
		2007		$16.124		$16.790		24,958
		2008		$16.790		$8.374		17,093
		2009		$8.374		$10.878		17,358
		2010		$10.878		$13.585		12,134
		2011		$13.585		$13.454		11,757
		2012		$13.454		$15.348		11,672
		2013		$15.348		$20.443		9,910
		2014		$20.443		$21.187		9,766
		2015		$21.187		$22.128		8,022
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.618		$21.461		30,533
		2007		$21.461		$22.357		27,024
		2008		$22.357		$13.101		20,192
		2009		$13.101		$17.930		16,803
		2010		$17.930		$20.374		7,600
		2011		$20.374		$18.304		7,048
		2012		$18.304		$21.741		6,832
		2013		$21.741		$27.116		4,660
		2014		$27.116		$27.178		4,529
		2015		$27.178		$27.671		3,760
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$13.010		$13.702		176,737
		2007		$13.702		$14.741		153,933
		2008		$14.741		$12.380		136,040
		2009		$12.380		$14.396		130,323
		2010		$14.396		$16.227		107,136
		2011		$16.227		$16.041		75,300
		2012		$16.041		$17.825		72,670
		2013		$17.825		$17.441		54,120
		2014		$17.441		$17.556		46,592
		2015		$17.556		$16.812		32,313
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.864		$14.873		29,168
		2007		$14.873		$14.536		21,030
		2008		$14.536		$3.059		19,862
		2009		$3.059		$3.784		14,854
		2010		$3.784		$4.252		12,859
		2011		$4.252		$4.070		11,497
		2012		$4.070		$4.515		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$14.065		$15.853		129,358
		2007		$15.853		$16.214		110,198
		2008		$16.214		$9.773		75,153
		2009		$9.773		$12.285		57,942
		2010		$12.285		$13.974		45,608
		2011		$13.974		$13.681		37,046
		2012		$13.681		$15.668		33,014
		2013		$15.668		$20.225		25,372
		2014		$20.225		$21.929		21,172
		2015		$21.929		$22.205		16,398

K-113


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$18.496		$20.828		43,420
		2007		$20.828		$20.169		27,811
		2008		$20.169		$12.279		20,348
		2009		$12.279		$16.508		17,669
		2010		$16.508		$19.950		10,854
		2011		$19.950		$19.127		9,327
		2012		$19.127		$22.103		8,392
		2013		$22.103		$30.526		5,671
		2014		$30.526		$33.473		4,149
		2015		$33.473		$30.871		3,059
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$12.596		35,900
		2010		$12.596		$13.931		35,611
		2011		$13.931		$13.945		25,706
		2012		$13.945		$16.338		21,573
		2013		$16.338		$21.247		14,909
		2014		$21.247		$23.509		12,907
		2015		$23.509		$22.385		10,392
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$13.117		$14.418		30,252
		2007		$14.418		$14.294		26,289
		2008		$14.294		$8.321		11,149
		2009		$8.321		$10.266		10,936
		2010		$10.266		$11.174		10,517
		2011		$11.174		$11.279		9,753
		2012		$11.279		$12.465		9,149
		2013		$12.465		$14.457		8,415
		2014		$14.457		$15.714		8,129
		2015		$15.714		$15.258		8,345
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.997		$15.515		50,392
		2007		$15.515		$15.684		83,907
		2008		$15.684		$10.270		76,177
		2009		$10.270		$13.637		61,582
		2010		$13.637		$15.361		55,636
		2011		$15.361		$15.023		46,183
		2012		$15.023		$16.849		39,108
		2013		$16.849		$19.773		28,092
		2014		$19.773		$21.249		25,340
		2015		$21.249		$20.904		24,269
Putnam VT Global Health Care Fund – Class IB
		2006		$13.221		$13.348		1,825
		2007		$13.348		$13.029		1,961
		2008		$13.029		$10.611		139
		2009		$10.611		$13.130		0
		2010		$13.130		$13.214		0
		2011		$13.214		$12.825		0
		2012		$12.825		$15.399		0
		2013		$15.399		$21.425		0
		2014		$21.425		$26.858		853
		2015		$26.858		$28.431		698

K-114


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.903		$22.337		3,442
		2007		$22.337		$26.310		3,165
		2008		$26.310		$17.960		43
		2009		$17.960		$18.936		50
		2010		$18.936		$18.938		52
		2011		$18.938		$17.594		56
		2012		$17.594		$18.149		59
		2013		$18.149		$20.287		66
		2014		$20.287		$22.829		66
		2015		$22.829		$20.197		72
Putnam VT Growth and Income Fund – Class IB
		2006		$15.231		$17.340		36,373
		2007		$17.340		$15.999		25,411
		2008		$15.999		$9.632		12,393
		2009		$9.632		$12.280		10,381
		2010		$12.280		$13.794		10,965
		2011		$13.794		$12.919		11,289
		2012		$12.919		$15.115		10,391
		2013		$15.115		$20.141		10,063
		2014		$20.141		$21.904		4,823
		2015		$21.904		$19.892		4,022
Putnam VT High Yield Fund – Class IB
		2006		$14.670		$15.925		43,697
		2007		$15.925		$16.075		35,867
		2008		$16.075		$11.672		24,451
		2009		$11.672		$17.216		22,798
		2010		$17.216		$19.282		11,273
		2011		$19.282		$19.270		9,895
		2012		$19.270		$21.953		8,504
		2013		$21.953		$23.254		6,415
		2014		$23.254		$23.194		6,019
		2015		$23.194		$21.559		5,213
Putnam VT Income Fund – Class IB
		2006		$10.768		$11.054		159,430
		2007		$11.054		$11.422		132,584
		2008		$11.422		$8.533		91,416
		2009		$8.533		$12.291		87,147
		2010		$12.291		$13.262		69,943
		2011		$13.262		$13.677		55,962
		2012		$13.677		$14.874		53,044
		2013		$14.874		$14.882		47,678
		2014		$14.882		$15.559		43,964
		2015		$15.559		$15.057		37,278
Putnam VT International Equity Fund – Class IB
		2006		$16.829		$21.110		54,094
		2007		$21.110		$22.464		55,076
		2008		$22.464		$12.365		33,330
		2009		$12.365		$15.135		30,099
		2010		$15.135		$16.355		25,046
		2011		$16.355		$13.342		18,531
		2012		$13.342		$15.975		17,846
		2013		$15.975		$20.093		13,478
		2014		$20.093		$18.396		13,441
		2015		$18.396		$18.092		7,499

K-115


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$15.359		$17.187		54,996
		2007		$17.187		$16.005		35,019
		2008		$16.005		$9.502		7,451
		2009		$9.502		$12.209		5,658
		2010		$12.209		$13.659		5,763
		2011		$13.659		$13.421		2,924
		2012		$13.421		$15.398		2,315
		2013		$15.398		$20.435		1,920
		2014		$20.435		$22.861		1,662
		2015		$22.861		$21.963		1,541
Putnam VT Money Market Fund – Class IB
		2006		$9.809		$10.057		213,854
		2007		$10.057		$10.349		342,086
		2008		$10.349		$10.424		324,791
		2009		$10.424		$10.259		309,668
		2010		$10.259		$10.079		139,474
		2011		$10.079		$9.900		108,589
		2012		$9.900		$9.724		107,194
		2013		$9.724		$9.551		91,535
		2014		$9.551		$9.381		75,214
		2015		$9.381		$9.214		51,158
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.797		$16.843		234
		2007		$16.843		$17.489		168
		2008		$17.489		$10.521		0
		2009		$10.521		$13.653		0
		2010		$13.653		$16.031		2,373
		2011		$16.031		$14.944		2,372
		2012		$14.944		$17.136		2,864
		2013		$17.136		$22.962		598
		2014		$22.962		$25.593		598
		2015		$25.593		$25.062		104
Putnam VT New Value Fund – Class IB
		2006		$17.183		$19.579		74,753
		2007		$19.579		$18.286		63,253
		2008		$18.286		$9.921		39,738
		2009		$9.921		$9.338		0
Putnam VT Research Fund – Class IB
		2006		$14.268		$15.599		1,566
		2007		$15.599		$15.403		1,499
		2008		$15.403		$9.296		534
		2009		$9.296		$12.160		509
		2010		$12.160		$13.898		719
		2011		$13.898		$13.411		686
		2012		$13.411		$15.531		659
		2013		$15.531		$20.342		634
		2014		$20.342		$22.946		607
		2015		$22.946		$22.187		578
Putnam VT Vista Fund – Class IB
		2006		$17.401		$18.022		3,112
		2007		$18.022		$18.372		1,127
		2008		$18.372		$9.825		273
		2009		$9.825		$13.388		267
		2010		$13.388		$15.277		0

K-116


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$13.276		$13.748		33,560
		2007		$13.748		$14.246		25,420
		2008		$14.246		$8.809		15,219
		2009		$8.809		$14.180		14,031
		2010		$14.180		$16.823		19,786
		2011		$16.823		$13.573		23,049
		2012		$13.573		$15.226		20,209
		2013		$15.226		$21.493		19,387
		2014		$21.493		$23.160		22,665
		2015		$23.160		$21.355		20,561
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.519		$17.977		14,849
		2007		$17.977		$18.782		10,381
		2008		$18.782		$15.683		7,102
		2009		$15.683		$20.040		6,200
		2010		$20.040		$21.599		4,048
		2011		$21.599		$22.674		7,999
		2012		$22.674		$26.248		6,884
		2013		$26.248		$23.520		9,742
		2014		$23.520		$23.767		4,453
		2015		$23.767		$23.067		4,367
UIF Global Franchise Portfolio, Class II
		2006		$12.180		$14.536		101,345
		2007		$14.536		$15.670		83,710
		2008		$15.670		$10.936		58,984
		2009		$10.936		$13.915		55,696
		2010		$13.915		$15.586		42,266
		2011		$15.586		$16.693		36,346
		2012		$16.693		$18.949		17,100
		2013		$18.949		$22.269		12,833
		2014		$22.269		$22.857		13,284
		2015		$22.857		$23.840		13,469
UIF Growth Portfolio, Class I
		2006		$12.215		$12.490		10,996
		2007		$12.490		$14.952		10,166
		2008		$14.952		$7.461		2,938
		2009		$7.461		$12.131		3,621
		2010		$12.131		$14.638		1,574
		2011		$14.638		$13.974		3,159
		2012		$13.974		$15.697		2,904
		2013		$15.697		$22.827		2,404
		2014		$22.827		$23.844		2,341
		2015		$23.844		$26.284		2,055
UIF Growth Portfolio, Class II
		2006		$12.162		$12.400		13,657
		2007		$12.400		$14.815		6,253
		2008		$14.815		$7.370		7,839
		2009		$7.370		$11.953		4,708
		2010		$11.953		$14.394		4,856
		2011		$14.394		$13.707		4,385
		2012		$13.707		$15.352		3,986
		2013		$15.352		$22.273		3,051
		2014		$22.273		$23.207		2,670
		2015		$23.207		$25.519		2,360

K-117


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.820		22,302
		2007		$9.820		$11.823		30,094
		2008		$11.823		$6.175		19,376
		2009		$6.175		$9.544		17,313
		2010		$9.544		$12.398		19,532
		2011		$12.398		$11.303		13,370
		2012		$11.303		$12.042		10,053
		2013		$12.042		$16.260		9,099
		2014		$16.260		$16.263		8,883
		2015		$16.263		$15.015		8,324
UIF Small Company Growth Portfolio, Class II
		2006		$17.582		$19.312		5,220
		2007		$19.312		$19.526		4,232
		2008		$19.526		$11.422		2,737
		2009		$11.422		$16.450		5,060
		2010		$16.450		$20.446		3,421
		2011		$20.446		$18.331		3,341
		2012		$18.331		$20.650		3,340
		2013		$20.650		$34.746		3,310
		2014		$34.746		$29.393		2,637
		2015		$29.393		$26.040		2,637
UIF U.S. Real Estate Portfolio, Class II
		2006		$22.236		$30.066		29,901
		2007		$30.066		$24.425		16,406
		2008		$24.425		$14.859		12,296
		2009		$14.859		$18.750		12,283
		2010		$18.750		$23.852		6,595
		2011		$23.852		$24.753		5,862
		2012		$24.753		$28.106		5,064
		2013		$28.106		$28.087		4,290
		2014		$28.087		$35.701		3,153
		2015		$35.701		$35.736		2,490
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.934		$10.164		133,457
		2007		$10.164		$10.426		137,828
		2008		$10.426		$10.422		135,319
		2009		$10.422		$10.243		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 1.60% and an administrative expense charge of 0.19%.

K-118

ALLSTATE ADVISOR VARIABLE ANNUITY: Allstate Advisor Preferred Contracts with No

Withdrawal Charge Option – PROSPECTUS

ACCUMULATION UNIT VALUE AND NUMBER OF ACCUMULATION UNITS OUTSTANDING

FOR EACH VARIABLE SUB-ACCOUNT*

With the MAV Death Benefit Option, the Enhanced Beneficiary Protection (Annual Increase) Option both added on or after May 1, 2003, and the Earnings Protection Death Benefit Option (age 71-79)

Mortality & Expense = 2.5


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Contrafund^® Portfolio – Service Class 2
		2006		$10.000		$10.193		0
		2007		$10.193		$11.633		0
		2008		$11.633		$6.487		0
		2009		$6.487		$8.551		0
		2010		$8.551		$9.730		0
		2011		$9.730		$9.205		0
		2012		$9.205		$10.403		0
		2013		$10.403		$13.257		0
		2014		$13.257		$14.404		0
		2015		$14.404		$14.074		0
Fidelity VIP Freedom 2010 Portfolio – Service Class 2
		2006		$10.000		$10.383		0
		2007		$10.383		$10.953		0
		2008		$10.953		$7.976		0
		2009		$7.976		$9.620		0
		2010		$9.620		$10.536		0
		2011		$10.536		$10.210		0
		2012		$10.210		$11.085		0
		2013		$11.085		$12.210		0
		2014		$12.210		$12.382		0
		2015		$12.382		$11.985		0
Fidelity VIP Freedom 2020 Portfolio – Service Class 2
		2006		$10.000		$10.412		0
		2007		$10.412		$11.141		0
		2008		$11.141		$7.285		0
		2009		$7.285		$9.113		0
		2010		$9.113		$10.138		0
		2011		$10.138		$9.744		0
		2012		$9.744		$10.720		0
		2013		$10.720		$12.063		0
		2014		$12.063		$12.278		0
		2015		$12.278		$11.893		0
Fidelity VIP Freedom 2030 Portfolio – Service Class 2
		2006		$10.000		$10.421		0
		2007		$10.421		$11.263		0
		2008		$11.263		$6.776		0
		2009		$6.776		$8.650		0
		2010		$8.650		$9.755		0
		2011		$9.755		$9.224		0
		2012		$9.224		$10.338		0
		2013		$10.338		$12.214		0
		2014		$12.214		$12.449		0
		2015		$12.449		$12.050		0

K-119


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Fidelity VIP Freedom Income Portfolio – Service Class 2
		2006		$10.000		$10.274		0
		2007		$10.274		$10.588		0
		2008		$10.588		$9.200		0
		2009		$9.200		$10.263		0
		2010		$10.263		$10.712		0
		2011		$10.712		$10.569		0
		2012		$10.569		$10.928		0
		2013		$10.928		$11.188		0
		2014		$11.188		$11.272		0
		2015		$11.272		$10.906		0
Fidelity VIP Growth Opportunities Portfolio – Service Class 2
		2015		$10.000		$16.700		0
Fidelity VIP Growth Stock Portfolio – Service Class 2
		2006		$10.000		$9.673		0
		2007		$9.673		$11.511		0
		2008		$11.511		$6.186		0
		2009		$6.186		$8.694		0
		2010		$8.694		$10.133		0
		2011		$10.133		$9.905		0
		2012		$9.905		$11.390		0
		2013		$11.390		$14.919		0
		2014		$14.919		$16.309		0
		2015		$16.309		$17.246		0
Fidelity VIP Index 500 Portfolio – Service Class 2
		2006		$10.000		$10.742		0
		2007		$10.742		$10.994		0
		2008		$10.994		$6.722		0
		2009		$6.722		$8.262		0
		2010		$8.262		$9.224		0
		2011		$9.224		$9.137		0
		2012		$9.137		$10.280		0
		2013		$10.280		$13.196		0
		2014		$13.196		$14.547		0
		2015		$14.547		$14.309		0
Fidelity VIP Mid Cap Portfolio – Service Class 2
		2006		$10.000		$9.804		0
		2007		$9.804		$11.002		0
		2008		$11.002		$6.465		0
		2009		$6.465		$8.793		0
		2010		$8.793		$11.001		0
		2011		$11.001		$9.544		0
		2012		$9.544		$10.639		0
		2013		$10.639		$14.066		0
		2014		$14.066		$14.514		0
		2015		$14.514		$13.893		0
FTVIP Franklin Growth and Income VIP Fund – Class 2
		2006		$14.377		$16.335		497
		2007		$16.335		$15.304		510
		2008		$15.304		$9.658		443
		2009		$9.658		$11.894		470
		2010		$11.894		$13.505		445
		2011		$13.505		$13.459		397
		2012		$13.459		$14.698		377
		2013		$14.698		$18.537		365
		2014		$18.537		$19.686		322
		2015		$19.686		$18.982		296

K-120


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Income VIP Fund – Class 2
		2006		$11.031		$12.693		0
		2007		$12.693		$12.814		0
		2008		$12.814		$8.771		0
		2009		$8.771		$11.574		0
		2010		$11.574		$12.690		0
		2011		$12.690		$12.644		0
		2012		$12.644		$13.859		0
		2013		$13.859		$15.367		0
		2014		$15.367		$15.644		0
		2015		$15.644		$14.149		0
FTVIP Franklin Large Cap Growth VIP Fund – Class 2
		2006		$10.323		$11.140		0
		2007		$11.140		$11.514		0
		2008		$11.514		$7.336		0
		2009		$7.336		$9.261		0
		2010		$9.261		$10.056		0
		2011		$10.056		$9.639		0
		2012		$9.639		$10.539		0
		2013		$10.539		$13.192		0
		2014		$13.192		$14.437		0
		2015		$14.437		$14.839		0
FTVIP Franklin Mutual Global Discovery VIP Fund – Class 2
		2006		$10.000		$10.936		0
		2007		$10.936		$11.901		0
		2008		$11.901		$8.285		0
		2009		$8.285		$9.942		0
		2010		$9.942		$10.832		0
		2011		$10.832		$10.229		0
		2012		$10.229		$11.283		0
		2013		$11.283		$14.012		0
		2014		$14.012		$14.413		0
		2015		$14.413		$13.513		0
FTVIP Franklin Mutual Shares VIP Fund – Class 2
		2006		$14.811		$17.063		1,250
		2007		$17.063		$17.179		1,203
		2008		$17.179		$10.513		1,070
		2009		$10.513		$12.895		1,132
		2010		$12.895		$13.953		1,133
		2011		$13.953		$13.437		1,072
		2012		$13.437		$14.937		995
		2013		$14.937		$18.644		452
		2014		$18.644		$19.434		407
		2015		$19.434		$17.978		380
FTVIP Franklin Small Cap Value VIP Fund – Class 2
		2006		$18.377		$20.921		622
		2007		$20.921		$19.871		640
		2008		$19.871		$12.951		547
		2009		$12.951		$16.277		553
		2010		$16.277		$20.310		499
		2011		$20.310		$19.022		465
		2012		$19.022		$21.912		435
		2013		$21.912		$29.050		53
		2014		$29.050		$28.430		56
		2015		$28.430		$25.621		47

K-121


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
FTVIP Franklin Small-Mid Cap Growth VIP Fund – Class 2
		2006		$17.024		$18.007		0
		2007		$18.007		$19.490		0
		2008		$19.490		$10.905		0
		2009		$10.905		$15.236		0
		2010		$15.236		$18.923		0
		2011		$18.923		$17.525		0
		2012		$17.525		$18.903		0
		2013		$18.903		$25.413		0
		2014		$25.413		$26.577		0
		2015		$26.577		$25.175		0
FTVIP Franklin U.S. Government Securities VIP Fund – Class 2
		2006		$10.141		$10.265		1,084
		2007		$10.265		$10.648		1,084
		2008		$10.648		$11.148		1,084
		2009		$11.148		$11.184		1,084
		2010		$11.184		$11.458		1,034
		2011		$11.458		$11.784		976
		2012		$11.784		$11.683		926
		2013		$11.683		$11.114		880
		2014		$11.114		$11.181		828
		2015		$11.181		$10.932		773
FTVIP Templeton Developing Markets VIP Fund – Class 2
		2006		$25.143		$31.342		0
		2007		$31.342		$39.272		0
		2008		$39.272		$18.073		0
		2009		$18.073		$30.353		0
		2010		$30.353		$34.732		0
		2011		$34.732		$28.440		0
		2012		$28.440		$31.315		0
		2013		$31.315		$30.192		0
		2014		$30.192		$26.914		0
		2015		$26.914		$21.055		0
FTVIP Templeton Foreign VIP Fund – Class 2
		2006		$16.649		$19.677		608
		2007		$19.677		$22.104		608
		2008		$22.104		$12.824		608
		2009		$12.824		$17.101		608
		2010		$17.101		$18.041		580
		2011		$18.041		$15.689		547
		2012		$15.689		$18.049		519
		2013		$18.049		$21.599		493
		2014		$21.599		$18.678		464
		2015		$18.678		$16.995		434
FTVIP Templeton Global Bond VIP Fund – Class 2
		2006		$13.438		$14.747		0
		2007		$14.747		$15.927		0
		2008		$15.927		$16.461		0
		2009		$16.461		$19.011		0
		2010		$19.011		$21.173		0
		2011		$21.173		$20.425		0
		2012		$20.425		$22.869		0
		2013		$22.869		$22.616		0
		2014		$22.616		$22.411		0
		2015		$22.411		$20.869		0

K-122


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. American Franchise Fund – Series II
		2006		$12.648		$12.632		0
		2007		$12.632		$14.336		0
		2008		$14.336		$7.098		0
		2009		$7.098		$11.441		0
		2010		$11.441		$13.312		0
		2011		$13.312		$12.127		0
		2012		$12.127		$13.381		0
		2013		$13.381		$18.203		0
		2014		$18.203		$19.161		0
		2015		$19.161		$19.531		0
Invesco V.I. American Value Fund – Series I
		2006		$12.265		$14.407		1,479
		2007		$14.407		$15.117		1,356
		2008		$15.117		$8.636		1,302
		2009		$8.636		$11.698		1,256
		2010		$11.698		$13.916		1,147
		2011		$13.916		$13.667		1,048
		2012		$13.667		$15.600		944
		2013		$15.600		$20.383		411
		2014		$20.383		$21.769		367
		2015		$21.769		$19.250		354
Invesco V.I. American Value Fund – Series II
		2006		$12.240		$14.369		0
		2007		$14.369		$15.063		0
		2008		$15.063		$8.586		0
		2009		$8.586		$11.626		0
		2010		$11.626		$13.824		0
		2011		$13.824		$13.564		0
		2012		$13.564		$15.452		0
		2013		$15.452		$20.138		0
		2014		$20.138		$21.454		0
		2015		$21.454		$18.923		0
Invesco V.I. Comstock Fund – Series II
		2006		$11.407		$12.882		0
		2007		$12.882		$12.242		0
		2008		$12.242		$7.647		0
		2009		$7.647		$9.555		0
		2010		$9.555		$10.758		0
		2011		$10.758		$10.248		0
		2012		$10.248		$11.859		0
		2013		$11.859		$15.655		0
		2014		$15.655		$16.620		0
		2015		$16.620		$15.171		0
Invesco V.I. Equity and Income Fund – Series II
		2006		$11.374		$12.461		0
		2007		$12.461		$12.532		0
		2008		$12.532		$9.429		0
		2009		$9.429		$11.238		0
		2010		$11.238		$12.252		0
		2011		$12.252		$11.768		0
		2012		$11.768		$12.869		0
		2013		$12.869		$15.640		0
		2014		$15.640		$16.554		0
		2015		$16.554		$15.692		0

K-123


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Invesco V.I. Growth and Income Fund – Series II
		2006		$15.677		$17.694		1,195
		2007		$17.694		$17.650		1,156
		2008		$17.650		$11.643		961
		2009		$11.643		$14.061		1,028
		2010		$14.061		$15.351		1,037
		2011		$15.351		$14.601		981
		2012		$14.601		$16.246		902
		2013		$16.246		$21.147		396
		2014		$21.147		$22.629		350
		2015		$22.629		$21.291		321
Invesco V.I. Mid Cap Growth Fund – Series II
		2006		$11.945		$12.197		0
		2007		$12.197		$13.955		0
		2008		$13.955		$7.219		0
		2009		$7.219		$10.986		0
		2010		$10.986		$13.606		0
		2011		$13.606		$12.001		0
		2012		$12.001		$13.035		0
		2013		$13.035		$17.328		0
		2014		$17.328		$18.159		0
		2015		$18.159		$17.854		0
Lord Abbett Series Fund, Inc. – Bond-Debenture Portfolio
		2006		$10.188		$10.840		0
		2007		$10.840		$11.199		0
		2008		$11.199		$8.987		0
		2009		$8.987		$11.745		0
		2010		$11.745		$12.837		0
		2011		$12.837		$13.040		0
		2012		$13.040		$14.279		0
		2013		$14.279		$15.030		0
		2014		$15.030		$15.262		0
		2015		$15.262		$14.624		0
Lord Abbett Series Fund, Inc. – Fundamental Equity Portfolio
		2006		$11.326		$12.636		0
		2007		$12.636		$13.120		0
		2008		$13.120		$9.107		0
		2009		$9.107		$11.163		0
		2010		$11.163		$12.930		0
		2011		$12.930		$12.018		0
		2012		$12.018		$12.932		0
		2013		$12.932		$17.084		0
		2014		$17.084		$17.811		0
		2015		$17.811		$16.735		0
Lord Abbett Series Fund, Inc. – Growth and Income Portfolio
		2006		$10.918		$12.460		0
		2007		$12.460		$12.540		0
		2008		$12.540		$7.758		0
		2009		$7.758		$8.975		0
		2010		$8.975		$10.255		0
		2011		$10.255		$9.373		0
		2012		$9.373		$10.223		0
		2013		$10.223		$13.519		0
		2014		$13.519		$14.162		0
		2015		$14.162		$13.386		0

K-124


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Lord Abbett Series Fund, Inc. – Growth Opportunities Portfolio
		2006		$11.315		$11.881		0
		2007		$11.881		$14.020		0
		2008		$14.020		$8.425		0
		2009		$8.425		$11.932		0
		2010		$11.932		$14.273		0
		2011		$14.273		$12.494		0
		2012		$12.494		$13.872		0
		2013		$13.872		$18.504		0
		2014		$18.504		$19.099		0
		2015		$19.099		$19.092		0
Lord Abbett Series Fund, Inc. – Mid-Cap Stock Portfolio
		2006		$11.686		$12.764		0
		2007		$12.764		$12.491		0
		2008		$12.491		$7.371		0
		2009		$7.371		$9.081		0
		2010		$9.081		$11.085		0
		2011		$11.085		$10.354		0
		2012		$10.354		$11.541		0
		2013		$11.541		$14.635		0
		2014		$14.635		$15.883		0
		2015		$15.883		$14.871		0
Oppenheimer Capital Appreciation Fund/VA – Service Shares
		2006		$12.923		$13.542		1,540
		2007		$13.542		$15.002		1,366
		2008		$15.002		$7.932		1,376
		2009		$7.932		$11.127		1,339
		2010		$11.127		$11.818		1,329
		2011		$11.818		$11.342		1,218
		2012		$11.342		$12.560		1,172
		2013		$12.560		$15.820		531
		2014		$15.820		$17.723		446
		2015		$17.723		$17.810		383
Oppenheimer Conservative Balanced Fund/VA – Service Shares formerly, Oppenheimer Capital Income Fund/VA – Service Shares
		2006		$13.975		$15.077		0
		2007		$15.077		$15.180		0
		2008		$15.180		$8.329		0
		2009		$8.329		$9.855		0
		2010		$9.855		$10.806		0
		2011		$10.806		$10.556		0
		2012		$10.556		$11.515		0
		2013		$11.515		$12.643		0
		2014		$12.643		$13.290		0
		2015		$13.290		$13.005		0
Oppenheimer Core Bond Fund/VA – Service Shares
		2006		$10.040		$10.253		0
		2007		$10.253		$10.384		0
		2008		$10.384		$6.156		0
		2009		$6.156		$6.532		0
		2010		$6.532		$7.074		0
		2011		$7.074		$7.430		0
		2012		$7.430		$7.965		0
		2013		$7.965		$7.721		0
		2014		$7.721		$8.034		0
		2015		$8.034		$7.873		0

K-125


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Discovery Mid Cap Growth Fund/VA – Service Shares
		2006		$15.538		$15.529		0
		2007		$15.529		$16.021		0
		2008		$16.021		$7.917		0
		2009		$7.917		$10.190		0
		2010		$10.190		$12.609		0
		2011		$12.609		$12.374		0
		2012		$12.374		$13.986		0
		2013		$13.986		$18.459		0
		2014		$18.459		$18.955		0
		2015		$18.955		$19.615		0
Oppenheimer Global Fund/VA – Service Shares
		2006		$18.097		$20.669		0
		2007		$20.669		$21.333		0
		2008		$21.333		$12.386		0
		2009		$12.386		$16.796		0
		2010		$16.796		$18.912		0
		2011		$18.912		$16.834		0
		2012		$16.834		$19.812		0
		2013		$19.812		$24.484		0
		2014		$24.484		$24.315		0
		2015		$24.315		$24.530		0
Oppenheimer Global Strategic Income Fund/VA – Service Shares
		2006		$12.645		$13.196		56
		2007		$13.196		$14.066		52
		2008		$14.066		$11.705		36
		2009		$11.705		$13.486		35
		2010		$13.486		$15.063		31
		2011		$15.063		$14.754		28
		2012		$14.754		$16.244		25
		2013		$16.244		$15.749		29
		2014		$15.749		$15.707		0
		2015		$15.707		$14.903		0
Oppenheimer High Income Fund/VA – Service Shares
		2006		$13.475		$14.324		0
		2007		$14.324		$13.871		0
		2008		$13.871		$2.892		0
		2009		$2.892		$3.544		0
		2010		$3.544		$3.947		0
		2011		$3.947		$3.743		0
		2012		$3.743		$4.121		0
Oppenheimer Main Street Fund^®/VA – Service Shares
		2006		$13.671		$15.268		2,503
		2007		$15.268		$15.472		2,445
		2008		$15.472		$9.240		2,345
		2009		$9.240		$11.508		2,391
		2010		$11.508		$12.971		2,287
		2011		$12.971		$12.583		2,563
		2012		$12.583		$14.278		2,392
		2013		$14.278		$18.262		1,754
		2014		$18.262		$19.619		1,620
		2015		$19.619		$19.684		1,484

K-126


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Oppenheimer Main Street Small Cap Fund/VA – Service Shares
		2006		$17.977		$20.060		0
		2007		$20.060		$19.245		0
		2008		$19.245		$11.610		0
		2009		$11.610		$15.464		0
		2010		$15.464		$18.518		0
		2011		$18.518		$17.591		0
		2012		$17.591		$20.142		0
		2013		$20.142		$27.563		0
		2014		$27.563		$29.947		0
		2015		$29.947		$27.366		0
Putnam VT Equity Income Fund – Class IB
		2009		$10.000		$11.800		0
		2010		$11.800		$12.930		0
		2011		$12.930		$12.825		0
		2012		$12.825		$14.888		0
		2013		$14.888		$19.185		0
		2014		$19.185		$21.032		0
		2015		$21.032		$19.844		0
Putnam VT George Putnam Balanced Fund – Class IB
		2006		$12.749		$13.886		982
		2007		$13.886		$13.639		981
		2008		$13.639		$7.867		891
		2009		$7.867		$9.617		957
		2010		$9.617		$10.372		978
		2011		$10.372		$10.373		891
		2012		$10.373		$11.359		839
		2013		$11.359		$13.053		154
		2014		$13.053		$14.059		111
		2015		$14.059		$13.526		88
Putnam VT Global Asset Allocation Fund – Class IB
		2006		$13.605		$14.943		0
		2007		$14.943		$14.966		0
		2008		$14.966		$9.710		0
		2009		$9.710		$12.776		0
		2010		$12.776		$14.258		0
		2011		$14.258		$13.818		0
		2012		$13.818		$15.354		0
		2013		$15.354		$17.854		0
		2014		$17.854		$19.011		0
		2015		$19.011		$18.531		0
Putnam VT Global Health Care Fund – Class IB
		2006		$12.850		$12.855		0
		2007		$12.855		$12.432		0
		2008		$12.432		$10.032		0
		2009		$10.032		$12.300		0
		2010		$12.300		$12.265		0
		2011		$12.265		$11.795		0
		2012		$11.795		$14.033		0
		2013		$14.033		$19.345		0
		2014		$19.345		$24.029		0
		2015		$24.029		$25.204		0

K-127


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Global Utilities Fund – Class IB
		2006		$17.401		$21.512		35
		2007		$21.512		$25.106		28
		2008		$25.106		$16.981		25
		2009		$16.981		$17.740		27
		2010		$17.740		$17.579		27
		2011		$17.579		$16.182		26
		2012		$16.182		$16.539		25
		2013		$16.539		$18.318		25
		2014		$18.318		$20.424		0
		2015		$20.424		$17.904		0
Putnam VT Growth and Income Fund – Class IB
		2006		$14.804		$16.700		2,315
		2007		$16.700		$15.267		2,370
		2008		$15.267		$9.107		2,273
		2009		$9.107		$11.504		2,318
		2010		$11.504		$12.804		2,243
		2011		$12.804		$11.882		2,551
		2012		$11.882		$13.774		2,368
		2013		$13.774		$18.186		1,685
		2014		$18.186		$19.596		1,552
		2015		$19.596		$17.633		1,458
Putnam VT High Yield Fund – Class IB
		2006		$14.259		$15.337		0
		2007		$15.337		$15.339		0
		2008		$15.339		$11.035		0
		2009		$11.035		$16.128		0
		2010		$16.128		$17.898		0
		2011		$17.898		$17.723		0
		2012		$17.723		$20.006		0
		2013		$20.006		$20.997		0
		2014		$20.997		$20.751		0
		2015		$20.751		$19.112		0
Putnam VT Income Fund – Class IB
		2006		$10.466		$10.645		0
		2007		$10.645		$10.899		0
		2008		$10.899		$8.068		0
		2009		$8.068		$11.514		0
		2010		$11.514		$12.310		0
		2011		$12.310		$12.579		0
		2012		$12.579		$13.555		0
		2013		$13.555		$13.437		0
		2014		$13.437		$13.920		0
		2015		$13.920		$13.348		0
Putnam VT International Equity Fund – Class IB
		2006		$16.357		$20.331		0
		2007		$20.331		$21.436		0
		2008		$21.436		$11.691		0
		2009		$11.691		$14.179		0
		2010		$14.179		$15.181		0
		2011		$15.181		$12.271		0
		2012		$12.271		$14.557		0
		2013		$14.557		$18.142		0
		2014		$18.142		$16.458		0
		2015		$16.458		$16.037		0

K-128


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Investors Fund – Class IB
		2006		$14.929		$16.552		0
		2007		$16.552		$15.273		0
		2008		$15.273		$8.984		0
		2009		$8.984		$11.437		0
		2010		$11.437		$12.678		0
		2011		$12.678		$12.343		0
		2012		$12.343		$14.032		0
		2013		$14.032		$18.451		0
		2014		$18.451		$20.453		0
		2015		$20.453		$19.469		0
Putnam VT Money Market Fund – Class IB
		2006		$9.534		$9.686		0
		2007		$9.686		$9.875		0
		2008		$9.875		$9.856		0
		2009		$9.856		$9.611		0
		2010		$9.611		$9.356		0
		2011		$9.356		$9.106		0
		2012		$9.106		$8.861		0
		2013		$8.861		$8.624		0
		2014		$8.624		$8.392		0
		2015		$8.392		$8.167		0
Putnam VT Multi-Cap Growth Fund – Class IB
		2006		$15.354		$16.221		1,490
		2007		$16.221		$16.688		1,419
		2008		$16.688		$9.947		1,314
		2009		$9.947		$12.790		1,333
		2010		$12.790		$14.880		1,902
		2011		$14.880		$13.744		1,780
		2012		$13.744		$15.615		1,693
		2013		$15.615		$20.733		502
		2014		$20.733		$22.897		432
		2015		$22.897		$22.216		374
Putnam VT New Value Fund – Class IB
		2006		$16.701		$18.856		0
		2007		$18.856		$17.449		0
		2008		$17.449		$9.379		0
		2009		$9.379		$8.819		0
Putnam VT Research Fund – Class IB
		2006		$13.868		$15.023		0
		2007		$15.023		$14.698		0
		2008		$14.698		$8.789		0
		2009		$8.789		$11.391		0
		2010		$11.391		$12.900		0
		2011		$12.900		$12.335		0
		2012		$12.335		$14.153		0
		2013		$14.153		$18.367		0
		2014		$18.367		$20.529		0
		2015		$20.529		$19.668		0
Putnam VT Vista Fund – Class IB
		2006		$16.913		$17.357		744
		2007		$17.357		$17.531		715
		2008		$17.531		$9.289		724
		2009		$9.289		$12.541		744
		2010		$12.541		$14.216		0

K-129


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
Putnam VT Voyager Fund – Class IB
		2006		$12.904		$13.240		1,830
		2007		$13.240		$13.594		1,752
		2008		$13.594		$8.329		1,585
		2009		$8.329		$13.284		1,301
		2010		$13.284		$15.615		1,167
		2011		$15.615		$12.483		1,242
		2012		$12.483		$13.875		1,235
		2013		$13.875		$19.406		455
		2014		$19.406		$20.720		401
		2015		$20.720		$18.930		379
UIF Emerging Markets Debt Portfolio, Class II
		2006		$16.056		$17.313		0
		2007		$17.313		$17.922		0
		2008		$17.922		$14.828		0
		2009		$14.828		$18.774		0
		2010		$18.774		$20.049		0
		2011		$20.049		$20.854		0
		2012		$20.854		$23.919		0
		2013		$23.919		$21.238		0
		2014		$21.238		$21.264		0
		2015		$21.264		$20.448		0
UIF Global Franchise Portfolio, Class II
		2006		$11.958		$14.141		0
		2007		$14.141		$15.104		0
		2008		$15.104		$10.444		0
		2009		$10.444		$13.167		0
		2010		$13.167		$14.613		0
		2011		$14.613		$15.508		0
		2012		$15.508		$17.443		0
		2013		$17.443		$20.311		0
		2014		$20.311		$20.656		0
		2015		$20.656		$21.347		0
UIF Growth Portfolio, Class I
		2006		$12.029		$12.187		1,643
		2007		$12.187		$14.455		1,371
		2008		$14.455		$7.147		1,419
		2009		$7.147		$11.514		1,257
		2010		$11.514		$13.766		1,097
		2011		$13.766		$13.022		1,003
		2012		$13.022		$14.492		1,003
		2013		$14.492		$20.883		382
		2014		$20.883		$21.614		365
		2015		$21.614		$23.606		290
UIF Growth Portfolio, Class II
		2006		$11.977		$12.100		0
		2007		$12.100		$14.323		0
		2008		$14.323		$7.059		0
		2009		$7.059		$11.345		0
		2010		$11.345		$13.536		0
		2011		$13.536		$12.772		0
		2012		$12.772		$14.175		0
		2013		$14.175		$20.376		0
		2014		$20.376		$21.036		0
		2015		$21.036		$22.920		0

K-130


Sub-Accounts	For the Year Ending December 31		Accumulation Unit Value at Beginning of Period		Accumulation Unit Value at End of Period		Number of Units Outstanding at End of Period
UIF Mid Cap Growth Portfolio, Class II
		2006		$10.000		$9.759		0
		2007		$9.759		$11.642		0
		2008		$11.642		$6.025		0
		2009		$6.025		$9.226		0
		2010		$9.226		$11.875		0
		2011		$11.875		$10.727		0
		2012		$10.727		$11.324		0
		2013		$11.324		$15.150		0
		2014		$15.150		$15.014		0
		2015		$15.014		$13.735		0
UIF Small Company Growth Portfolio, Class II
		2006		$17.156		$18.672		0
		2007		$18.672		$18.705		0
		2008		$18.705		$10.841		0
		2009		$10.841		$15.470		0
		2010		$15.470		$19.053		0
		2011		$19.053		$16.925		0
		2012		$16.925		$18.891		0
		2013		$18.891		$31.496		0
		2014		$31.496		$26.400		0
		2015		$26.400		$23.174		0
UIF U.S. Real Estate Portfolio, Class II
		2006		$21.613		$28.957		510
		2007		$28.957		$23.307		510
		2008		$23.307		$14.048		510
		2009		$14.048		$17.565		510
		2010		$17.565		$22.140		487
		2011		$22.140		$22.765		0
		2012		$22.765		$25.612		0
		2013		$25.612		$25.360		0
		2014		$25.360		$31.940		0
		2015		$31.940		$31.679		0
Van Kampen LIT Money Market Portfolio – Class II
		2006		$9.753		$9.887		0
		2007		$9.887		$10.049		0
		2008		$10.049		$9.953		0
		2009		$9.953		$9.696		0

The Accumulation Unit Values in this table reflect a mortality and expense risk charge of 2.50% and an administrative expense charge of 0.19%.

K-131

PA195-4

The Allstate Variable Annuities

(Allstate Variable Annuity, Allstate Variable Annuity – L Share)

Allstate Life Insurance Company

Street Address: 5801 SW 6th Ave. Topeka, KS 66606-0001

Mailing Address: P.O. Box 758566, Topeka, KS 66675-8566

Telephone Number: 1-800-457-7617

Fax Number: 1-785-228-4584

Prospectus dated April 29, 2016

Allstate Life Insurance Company (“Allstate Life”) has offered the following individual and group flexible premium deferred variable annuity contracts (each, a “Contract”):

• Allstate Variable Annuity

• Allstate Variable Annuity – L Share

This prospectus contains information about each Contract that you should know before investing. Please keep it for future reference. These Contracts are no longer offered for new sales.

Morgan Stanley Variable Investment Series (Class Y)

The Universal Institutional Funds, Inc.
(Class II Shares)

Invesco Variable Insurance Funds (Series II)

AB Variable Product Series Fund, Inc. (Class B)

Fidelity^® Variable Insurance Products
(Service Class 2)

Franklin Templeton Variable Insurance Products
Trust (Class 2)

Goldman Sachs Variable Insurance Trust

PIMCO Variable Insurance Trust

Putnam Variable Trust (Class IB)

Janus Aspen Series

* Certain Variable Sub-Accounts may not be available depending on the date you purchased your Contract. Please see page 39 for information about Variable Sub-Account or Portfolio liquidations, mergers, closures and name changes.

Each Fund has multiple investment Portfolios (“Portfolios”). Not all of the Funds and/or Portfolios, however, may be available with your Contract. You should check with your Morgan Stanley Financial Advisor for further information on the availability of the Funds and/or Portfolios. Your annuity application will list all available Portfolios.

We (Allstate Life) have filed a Statement of Additional Information, dated April 29, 2016, with the Securities and Exchange Commission (“SEC”). It contains more information about each Contract and is incorporated herein by reference, which means that it is legally a part of this prospectus. Its table of contents appears on page 88 of this prospectus. For a free copy, please write or call us at the address or telephone number above, or go to the SEC’s Web site (http://www.sec.gov). You can find other information and documents about us, including documents that are legally part of this prospectus, at the SEC’s Web site.

IMPORTANT NOTICES

Investment in the Contracts involves investment risks, including possible loss of principal.

Table of Contents



		Page
Overview
Important Terms		ii
Overview of Contracts		1
The Contracts at a Glance		2
How the Contracts Work		6
Expense Table		7
Financial Information		10
Contract Features
The Contracts		10
Purchases		13
Contract Value		14
Investment Alternatives		39
The Variable Sub-Accounts		39
The Fixed Account Options		44
Transfers		48
Expenses		51
Access to Your Money		57
Income Payments		59
Death Benefits		68

Other Information
More Information	76
Taxes	79
Annual Reports and Other Documents	87
Statement of Additional Information Table of Contents	88
Appendix A – Contract Comparison Chart	A-1
Appendix B – Market Value Adjustment	B-1
Appendix C – Example of Calculation of Income Protection Benefit	C-1
Appendix D – Withdrawal Adjustment Example-Income Benefits	D-1
Appendix E – Withdrawal Adjustment Example-Death Benefits	E-1
Appendix F – Calculation of Earnings Protection Death Benefit	F-1
Appendix G – Withdrawal Adjustment Example – TrueReturn Accumulation Benefit	G-1
Appendix H – SureIncome Withdrawal Benefit Option Calculation Examples	H-1
Appendix I – SureIncome Plus Withdrawal Benefit Option Calculation Examples	I-1
Appendix J – SureIncome for Life Withdrawal Benefit Option Calculation Examples	J-1
Appendix K – Accumulation Unit Values	K-1

(i)

Important Terms

This prospectus uses a number of important terms that you may not be familiar with. The index below identifies the page that describes each term.



	Page
AB Factor	15
Accumulation Benefit	15
Accumulation Phase	6
Accumulation Unit	10
Accumulation Unit Value	10
Allstate Life (“we”)	76
Annuitant	11
Automatic Additions Program	13
Automatic Portfolio Rebalancing Program	50
Beneficiary	12
Benefit Base (for the TrueReturn Accumulation Benefit Option)	16
Benefit Base (for the SureIncome Withdrawal Benefit Option)	26
Benefit Base (for the SureIncome Plus Withdrawal Benefit Option)	29
Benefit Base (for the SureIncome For Life Withdrawal Benefit Option)	33
Benefit Payment (for the SureIncome Withdrawal Benefit Option)	25
Benefit Payment (for the SureIncome Plus Withdrawal Benefit Option)	28
Benefit Payment (for the SureIncome For Life Withdrawal Benefit Option)	32
Benefit Payment Remaining (for the SureIncome Withdrawal Benefit Option)	25
Benefit Payment Remaining (for the SureIncome Plus Withdrawal Benefit Option)	28
Benefit Payment Remaining (for the SureIncome For Life Withdrawal Benefit Option)	32
Benefit Year (for the SureIncome Withdrawal Benefit Option)	25
Benefit Year (for the SureIncome Plus Withdrawal Benefit Option)	28
Benefit Year (for the SureIncome For Life Withdrawal Benefit Option)	32
Co-Annuitant	11
*Contract	10
Contract Anniversary	3
Contract Owner (“you”)	10
Contract Value	14
Contract Year	4
Dollar Cost Averaging Program	49
Due Proof of Death	68
Earnings Protection Death Benefit Option	70
Enhanced Beneficiary Protection (Annual Increase) Option	69
Excess of Earnings Withdrawal	70
Fixed Account Options	44
Free Withdrawal Amount	54
Funds	1
Guarantee Option	3
Guarantee Period Account	44
Income Base	3
Income Plan	59
Income Protection Benefit Option	62
In-Force Earnings	70
In-Force Premium	70
Investment Alternatives	39
IRA Contract	3
Issue Date	6
Market Value Adjustment	45
Maximum Anniversary Value (MAV) Death Benefit Option	69
Payout Phase	6
Payout Start Date	59
Payout Withdrawal	60
Portfolios	76
Qualified Contract	10
Retirement Income Guarantee Options	52
Return of Premium (“ROP”) Death Benefit	68
Rider Anniversary	14
Rider Application Date	12
Rider Date (for the TrueReturn Accumulation Benefit Option)	14
Rider Date (for the SureIncome Withdrawal Benefit Option)	25
Rider Date (for the SureIncome Plus Withdrawal Benefit Option)	28
Rider Date (for the SureIncome For Life Withdrawal Benefit Option)	32

(ii)



	Page
Rider Fee (for the TrueReturn Accumulation Benefit Option)	3
Rider Fee (for the SureIncome Withdrawal Benefit Option)	3
Rider Fee (for the SureIncome Plus Withdrawal Benefit Option)	3
Rider Fee (for the SureIncome For Life Withdrawal Benefit Option)	3
Rider Fee Percentage	3
Rider Maturity Date	14
Rider Period	14
Rider Trade-In Option (for the TrueReturn Accumulation Benefit Option)	23
Rider Trade-In Option (for the SureIncome Withdrawal Benefit Option)	27
Right to Cancel	13
SEC	1
Settlement Value	68
Spousal Protection Benefit (Co-Annuitant) Option	11
Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts	11
Standard Fixed Account Option	44
SureIncome Covered Life	31
SureIncome Option Fee	52
SureIncome Plus Option	28
SureIncome Plus Option Fee	53
SureIncome Plus Withdrawal Benefit Option	28
SureIncome For Life Option	31
SureIncome For Life Option Fee	53
SureIncome For Life Withdrawal Benefit Option	31
SureIncome ROP Death Benefit	32
SureIncome Withdrawal Benefit Option	24
Systematic Withdrawal Program	57
Tax Qualified Contract	82
Transfer Period Accounts	17
Trial Examination Period	2
	2
TrueBalance^SM Asset Allocation Program	41
TrueReturn^SM Accumulation Benefit Option	52
Valuation Date	13
Variable Account	76
Variable Sub-Account	14
Withdrawal Benefit Factor (for the SureIncome Withdrawal Benefit Option)	25
Withdrawal Benefit Factor (for the SureIncome Plus Withdrawal Benefit Option)	25
Withdrawal Benefit Factor (for the SureIncome for Life Withdrawal Benefit Option)	32
Withdrawal Benefit Payout Phase (for the SureIncome Withdrawal Benefit Option)	26
Withdrawal Benefit Payout Phase (for the SureIncome Plus Withdrawal Benefit Option)	32
Withdrawal Benefit Payout Phase (for the SureIncome for Life Withdrawal Benefit Option)	34
Withdrawal Benefit Payout Start Date (for the SureIncome Withdrawal Benefit Option)	26
Withdrawal Benefit Payout Start Date (for the SureIncome Plus Withdrawal Benefit Option)	32
Withdrawal Benefit Payout Start Date (for the SureIncome for Life Withdrawal Benefit Option)	34
Withdrawal Benefit Option	25
Withdrawal Benefit Option Fee	8

* In certain states a Contract was available only as a group Contract. If you purchased a group Contract, we issued you a certificate that represents your ownership and that summarizes the provisions of the group Contract. References to “Contract” in this prospectus include certificates, unless the context requires otherwise. References to “Contract” also include both Contracts listed on the cover page of this prospectus, unless otherwise noted. However, we administer each Contract separately.

(iii)

Overview of Contracts

The Contracts offer many of the same basic features and benefits. They differ primarily with respect to the charges imposed, as follows:

• The Allstate Variable Annuity Contract has a mortality and expense risk charge of 1.10%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 7% with a 7-year withdrawal charge period;

• The Allstate Variable Annuity – L Share Contract has a mortality and expense risk charge of 1.50%, an administrative expense charge of 0.19%*, and a withdrawal charge of up to 7% with a 3-year withdrawal charge period.

Other differences between the Contracts relate to available Fixed Account Options. For a side-by-side comparison of these differences, please refer to Appendix A of this prospectus.

* The administrative expense charge may be increased, but will never exceed 0.35%. Once your Contract is issued, we will not increase the administrative expense charge for your Contract. The administrative expense charge is 0.19% for Contracts issued before January 1, 2005 and 0.19% for Contracts issued on or after October 17, 2005. The administrative expense charge is 0.30% for Contracts issued on or after January 1, 2005 and prior to October 17, 2005; effective October 17, 2005 and thereafter, the administrative expense charge applied to such Contracts is 0.19%.

The Contracts at a Glance

The following is a snapshot of the Contracts. Please read the remainder of this prospectus for more information.



Flexible Payments	We are no longer offering new contracts. You can add to your Contract as often and as much as you like, but each subsequent payment must be at least $1,000 ($50 for automatic payments). We may limit the cumulative amount of purchase payments to a maximum of $1,000,000 in any Contract.
Trial Examination Period	You may cancel your Contract within 20 days of receipt or any longer period as your state may require (“Trial Examination Period”). Upon cancellation, we will return your purchase payments adjusted, to the extent federal or state law permits, to reflect the investment experience of any amounts allocated to the Variable Account, including the deduction of mortality and expense risk charges and administrative expense charges. The amount you receive will be less applicable federal and state income tax withholding. See “Trial Examination Period” for details.
Expenses	Each Portfolio pays expenses that you will bear indirectly if you invest in a Variable Sub-Account. You also will bear the following expenses: Allstate Variable Annuity Contracts • Annual mortality and expense risk charge equal to 1.10% of average daily net assets. • Withdrawal charges ranging from 0% to 7% of purchase payments withdrawn. Allstate Variable Annuity – L Share Contracts • Annual mortality and expense risk charge equal to 1.50% of average daily net assets. • Withdrawal charges ranging from 0% to 7% of purchase payments withdrawn.
	All Contracts • Annual administrative expense charge of 0.19% for Contracts issued before January 1, 2005 and for Contracts issued on or after October 17, 2005 (0.30% for Contracts issued on or after January 1, 2005 and prior to October 17, 2005; effective October 17, 2005 and thereafter, the annual administrative expense charge applied to such Contracts is 0.19%; up to 0.35% for future Contracts). • Annual contract maintenance charge of $30 (waived in certain cases). • If you select the Maximum Anniversary Value (MAV) Death Benefit Option (“MAV Death Benefit Option”) you will pay an additional mortality and expense risk charge of 0.20% (up to 0.30% for Options added in the future). • If you select Enhanced Beneficiary Protection (Annual Increase) Option, you will pay an additional mortality and expense risk charge of 0.30%. • If you select the Earnings Protection Death Benefit Option you will pay an additional mortality and expense risk charge of 0.25% or 0.40% (up to 0.35% or 0.50% for Options added in the future) depending on the age of the oldest Owner and oldest Annuitant on the date we receive the completed application or request to add the benefit, whichever is later (“Rider Application Date”).

• We discontinued offering the SureIncome Withdrawal Benefit Option (“SureIncome Option”) as of May 1, 2006, except in a limited number of states. If you elected the SureIncome Option prior to May 1, 2006, you would pay an additional annual fee (“SureIncome Option Fee”) of 0.50% of the Benefit Base on each Contract Anniversary (see the SureIncome Option Fee section). You may not select the SureIncome Option together with a Retirement Income Guarantee Option, a TrueReturn Option or any other Withdrawal Benefit Option.

• We discontinued offering Retirement Income Guarantee Option 1 (“RIG 1”) as of January 1, 2004 (up to May 1, 2004 in certain states). If you elected RIG 1 prior to May 1, 2004, you will pay an additional annual fee (“Rider Fee”) of 0.40% of the Income Base in effect on a Contract Anniversary.

• We discontinued offering Retirement Income Guarantee Option 2 (“RIG 2”) as of January 1, 2004 (up to May 1, 2004 in certain states). If you elected RIG 2 prior to May 1, 2004, you will pay an additional annual Rider Fee of 0.55% of the Income Base in effect on a Contract Anniversary.

• If you select the Spousal Protection Benefit (Co-Annuitant) Option or Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts (“CSP”) you would pay an additional annual fee (“Rider Fee”) of 0.10%* (up to 0.15% for Options added in the future) of the Contract Value (“Contract Value”) on each Contract Anniversary. These Options are only available for certain types of IRA Contracts, which are Contracts issued with an Individual Retirement Annuity or Account (“IRA”) under Section 408 of the Internal Revenue Code. The CSP is only available for certain Custodial Individual Retirement Accounts established under Section 408 of the Internal


	Revenue Code. For Contracts purchased on or after January 1, 2005, we may discontinue offering the Spousal Protection Benefit (Co-Annuitant) Option at any time prior to the time you elect to receive it. * No Rider Fee was charged for these Options for Contract Owners who added these Options prior to January 1, 2005. See page 8 for details. • Transfer fee equal to 1.00% (subject to increase to up to 2.00%) of the amount transferred after the 12th transfer in any Contract Year (“Contract Year”), which we measure from the date we issue your Contract or a Contract Anniversary. • State premium tax (if your state imposes one) • Not all Options are available in all states We may discontinue offering any of these Options at any time prior to the time you elect to receive it.
Investment Alternatives	Each Contract offers several investment alternatives including: • Fixed Account Options that credit interest at rates we guarantee, and • Various* Variable Sub-Accounts investing in Portfolios offering professional money management by these investment advisers: • Morgan Stanley Investment Management Inc. • Invesco Advisers, Inc. • AllianceBernstein L.P. • Fidelity Management & Research Company • Franklin Advisers, Inc. • Franklin Mutual Advisers, LLC • Goldman Sachs Asset Management, L.P. • Janus Capital Management LLC • Pacific Investment Management Company LLC • Putnam Investment Management, LLC • Templeton Investment Counsel, LLC
	* Certain Variable Sub-Accounts may not be available depending on the date you purchased your Contract. Please see page 39 for information about Sub-Accounts and/or Portfolio liquidations, mergers, closures and name changes. Not all Fixed Account Options are available in all states or with all Contracts. To find out current rates being paid on the Fixed Account Option(s), or to find out how the Variable Sub-Accounts have performed, please call us at 1-800-457-7617.
Special Services	For your convenience, we offer these special services: • Automatic Portfolio Rebalancing Program • Automatic Additions Program • Dollar Cost Averaging Program • Systematic Withdrawal Program • TrueBalance^SM Asset Allocation Program


Income Payments	You can choose fixed income payments, variable income payments, or a combination of the two. You can receive your income payments in one of the following ways (you may select more than one income plan): • life income with guaranteed number of payments • joint and survivor life income with guaranteed number of payments • guaranteed number of payments for a specified period • life income with cash refund • joint life income with cash refund • life income with installment refund • joint life income with installment refund Prior to May 1, 2004, Allstate Life also offered two Retirement Income Guarantee Options that guarantee a minimum amount of fixed income payments you can receive if you elect to receive income payments. In addition, we offer an Income Protection Benefit Option that guarantees that your variable income payments will not fall below a certain level.
Death Benefits	If you, the Annuitant, or Co-Annuitant die before the Payout Start Date, we will pay a death benefit subject to the conditions described in the Contract. In addition to the death benefit included in your Contract (“Return of Premium Death Benefit” or “ROP Death Benefit”), the death benefit options we currently offer include: • MAV Death Benefit Option; • Enhanced Beneficiary Protection (Annual Increase) Option; and • Earnings Protection Death Benefit Option The SureIncome Plus Option and SureIncome For Life Option also include a death benefit option, the SureIncome Return of Premium Death Benefit, (“SureIncome ROP Death Benefit”).
Transfers	Before the Payout Start Date, you may transfer your Contract Value among the investment alternatives, with certain restrictions. The minimum amount you may transfer is $100 or the amount remaining in the investment alternative, if less. The minimum amount that can be transferred into the Standard Fixed Account or Market Value Adjusted Account Options is $100. A charge may apply after the 12^th transfer in each Contract Year.
Withdrawals	You may withdraw some or all of your Contract Value at any time during the Accumulation Phase and during the Payout Phase in certain cases. In general, you must withdraw at least $50 at a time. Withdrawals taken prior to the Payout Start Date are generally considered to come from the earnings in the Contract first. If the Contract is tax-qualified, generally all withdrawals are treated as distributions of earnings. Withdrawals of earnings are taxed as ordinary income and, if taken prior to age 59¹/₂, may be subject to an additional 10% federal tax penalty. A withdrawal charge and a Market Value Adjustment may also apply. Unless a Withdrawal Benefit Option is in effect under your Contract: if any withdrawal reduces your Contract Value to less than $1,000, we will treat the request as a withdrawal of the entire Contract Value; and your Contract will terminate if you withdraw all of your Contract Value.

How the Contracts Work

Each Contract basically works in two ways.

Second, each Contract can help you plan for retirement because you can use it to receive retirement income for life and/or for a pre-set number of years, by selecting one of the income payment options (we call these “Income Plans”) described on page 59. You receive income payments during what we call the “Payout Phase” of the Contract, which begins on the Payout Start Date and continues until we make the last payment required by the Income Plan you select. During the Payout Phase, if you select a fixed income payment option, we guarantee the amount of your payments, which will remain fixed. If you select a variable income payment option, based on one or more of the Variable Sub-Accounts, the amount of your payments will vary up or down depending on the performance of the corresponding Portfolios. The amount of money you accumulate under your Contract during the Accumulation Phase and apply to an Income Plan will determine the amount of your income payments during the Payout Phase.

The timeline below illustrates how you might use your Contract.

Other income payment options are also available. See “Income Payments.”

Please call us at 1-800-457-7617 if you have any question about how the Contracts work.

Expense Table

Contract Owner Transaction Expenses

Withdrawal Charge (as a percentage of purchase payments withdrawn)*



	Number of Complete Years Since We Received the Purchase Payment Being Withdrawn/Applicable Charge:
Contract:	0	1	2	3	4	5	6	7	8+
Allstate Variable Annuity	7%	7%	6%	5%	4%	3%	2%	0%	0%
Allstate Variable Annuity – L Share	7%	6%	5%	0%

All Contracts:
Annual Contract Maintenance Charge	$30**
Transfer Fee	up to 2.00% of the amount transferred***

** Waived in certain cases. See “Expenses.”

Variable Account Annual Expenses (as a percentage of average daily net asset value deducted from each Variable Sub-Account)

If you select the basic Contract without any optional benefits, your Variable Account expenses would be as follows:



Basic Contract (without any optional benefit)	Mortality and Expense Risk Charge	Administrative Expense Charge*	Total Variable Account Annual Expense
Allstate Variable Annuity	1.10%	0.19%	1.29%
Allstate Variable Annuity – L Share	1.50%	0.19%	1.69%

* We reserve the right to raise the administrative expense charge to 0.35%. However, we will not increase the charge once we issue your Contract. The administrative expense charge is 0.19% for Contracts issued before January 1, 2005 and for Contracts issued on or after October 17, 2005. The administrative expense charge is 0.30% for Contracts issued on or after January 1, 2005 and prior to October 17, 2005; effective October 17, 2005 and thereafter, the administrative expense charge applied to such Contracts is 0.19%.



MAV Death Benefit Option	0.20% (up to 0.30% for Options added in the future)
Enhanced Beneficiary Protection (Annual Increase) Option	0.30%
Earnings Protection Death Benefit Option (issue age 0-70)	0.25% (up to 0.35% for Options added in the future)
Earnings Protection Death Benefit Option (issue age 71-79)	0.40% (up to 0.50% for Options added in the future)

If you select the Options with the highest possible combination of mortality and expense risk charges, your Variable Account expenses would be as follows, assuming current expenses:



Contract with the MAV Death Benefit Option, Enhanced Beneficiary Protection (Annual Increase) Option, Earnings Protection Death Benefit Option (issue age 71-79)	Mortality and Expense Risk Charge*	Administrative Expense Charge*	Total Variable Account Annual Expense
Allstate Variable Annuity	2.00%	0.19%	2.19%
Allstate Variable Annuity – L Share	2.40%	0.19%	2.59%

* As described above, the administrative expense charge and the mortality and expense charge for certain Options may be higher for future Contracts. However, we will not increase the administrative expense charge once we issue your Contract, and we will not increase the charge for an Option once we add the Option to your Contract. The administrative expense charge is 0.19% for Contracts issued before January 1, 2005 and for Contracts issued on or after October 17, 2005. The administrative expense charge is 0.30% for Contracts issued on or after January 1, 2005 and prior to October 17, 2005; effective October 17, 2005 and thereafter, the administrative expense charge applied to such Contracts is 0.19%.

TrueReturn^SM Accumulation Benefit Option Fee*

(annual rate as a percentage of Benefit Base on a Contract Anniversary)



TrueReturn^SM Accumulation Benefit Option		0.50%*

* Up to 1.25% for TrueReturn Options added in the future. See “TrueReturn^SM Accumulation Benefit Option” for details.

SureIncome Withdrawal Benefit Option Fee*

(annual rate as a percentage of Benefit Base on a Contract Anniversary)



SureIncome Withdrawal Benefit Option	0.50%**

* Effective May 1, 2006, we ceased offering the SureIncome Option except in a limited number of states.

** Up to 1.25% for SureIncome Options added in the future. See “SureIncome Withdrawal Benefit Option” for details.

SureIncome Plus Withdrawal Benefit Option Fee

(annual rate as a percentage of Benefit Base on a Contract Anniversary)



SureIncome Plus Withdrawal Benefit Option	0.65%*

* Up to 1.25% for SureIncome Plus Options added in the future. See “SureIncome Plus Withdrawal Benefit Option” for details.

SureIncome For Life Withdrawal Benefit Option Fee

(annual rate as a percentage of Benefit Base on a Contract Anniversary)



SureIncome For Life Withdrawal Benefit Option	0.65%*

* Up to 1.25% for SureIncome For Life Options added in the future. See “SureIncome For Life Withdrawal Benefit Option” for details.

Retirement Income Guarantee Option Fee*

(annual rate as a percentage of Income Base on a Contract Anniversary)



RIG 1	0.40%
RIG 2	0.55%

Spousal Protection Benefit (Co-Annuitant) Option Fee

(as a percentage of Contract Value on each Contract Anniversary)



Spousal Protection Benefit (Co-Annuitant) Option	0.10%*

* Applies to Contract Owners who select the option on or after January 1, 2005. Up to 0.15% for options added in the future.

Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts Fee

(as a percentage of Contract Value on each Contract Anniversary)



Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts	0.10%*

* Applies to Contract owners who select the option on or after January 1, 2005. Up to 0.15% for options added in the future.

Income Protection Benefit Option

(as a percentage of the average daily net Variable Account assets supporting the variable income payments to which the Option applies)



Income Protection Benefit Option	0.50%*

* The charge for the Income Protection Benefit Option applies during the Payout Phase. We reserve the right to raise the charge to up to 0.75% for Options added in the future. See “Income Payments – Income Protection Benefit Option,” below, for details.

PORTFOLIO ANNUAL EXPENSES – Minimum and Maximum

ANNUAL PORTFOLIO EXPENSES



	Minimum	Maximum
Total Annual Portfolio Operating Expenses⁽¹⁾ (expenses that are deducted from Portfolio assets, which may include management fees, distribution and/or services (12b-1) fees, and other expenses)	0.50%	2.42%

(1) Expenses are shown as a percentage of Portfolio average daily net assets (before any waiver or reimbursement) as of December 31, 2015 (except as otherwise noted).

Example 1

The example shows the dollar amount of expenses that you would bear directly or indirectly if you:

• invested $10,000 in the Contract for the time periods indicated;

• earned a 5% annual return on your investment;

• surrendered your Contract, or you began receiving income payments for a specified period of less than 120 months, at the end of each time period;

• elected the MAV Death Benefit Option and the Enhanced Beneficiary Protection (Annual Increase) Option;

• elected the Earnings Protection Death Benefit Option (assuming issue age 71-79);

• elected the Spousal Protection Benefit (Co-Annuitant) Option; and

• elected the SureIncome Plus Withdrawal Benefit Option.

The example does not include any taxes or tax penalties you may be required to pay if you surrender your Contract.



	Allstate Variable Annuity				Allstate Variable Annuity – L Share
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 1,210	$ 2,356	$ 3,418	$ 6,162	$ 1,248	$ 2,377	$ 3,242	$ 6,428
Costs Based on Minimum Annual Portfolio Expenses	$ 1,027	$ 1,830	$ 2,583	$ 4,707	$ 1,065	$ 1,858	$ 2,424	$ 5,037

Example 2



	Allstate Variable Annuity				Allstate Variable Annuity – L Share
	1 Year	3 Years	5 Years	10 Years	1 Year	3 Years	5 Years	10 Years
Costs Based on Maximum Annual Portfolio Expenses	$ 615	$ 1,846	$ 3,078	$ 6,162	$ 653	$ 1,952	$ 3,242	$ 6,428
Costs Based on Minimum Annual Portfolio Expenses	$ 432	$ 1,320	$ 2,243	$ 4,707	$ 470	$ 1,433	$ 2,424	$ 5,037

Please remember that you are looking at examples and not a representation of past or future expenses. Your rate of return may be higher or lower than 5%, which is not guaranteed. The examples do not assume that any Portfolio expense waivers or reimbursement arrangements are in effect for the periods presented. The examples reflect the Free Withdrawal Amounts, if applicable, and the deduction of the annual contract maintenance charge of $30 each year. The above examples assume you have selected the MAV Death Benefit Option and the Enhanced Beneficiary Protection (Annual Increase) Option, the Earnings Protection Death Benefit Option (assuming the oldest Contract Owner or Annuitant is age 71 or older, and all are age 79 or younger on the Rider Application Date), the Spousal Protection Benefit (Co-Annuitant) Option and the SureIncome Plus Withdrawal Benefit Option. If any or all of these features were not elected, the expense figures shown above would be slightly lower.

Financial Information

Accumulation Unit Values for the lowest and highest available combinations of Contract charges that affect Accumulation Unit Values for each Contract are shown in Appendix K to this prospectus. The Statement of Additional Information contains the Accumulation Unit Values for all other available combinations of Contract charges that affect Accumulation Unit Values for each Contract. The consolidated financial statements of Allstate Life and the financial statements of the Variable Account, which are comprised of the underlying financial statements of the Sub-Accounts, appear in the Statement of Additional Information.

No Accumulation Unit Values are shown for Contracts with administrative expense charges of 0.30% which applies to Contracts purchased on or after January 1, 2005, and prior to October 17, 2005; effective October 17, 2005, and thereafter, the administrative expense charge applied to such Contracts is 0.19%.

The Contracts

CONTRACT OWNER

• the investment alternatives during the Accumulation and Payout Phases,

• the amount and timing of your purchase payments and withdrawals,

• the programs you want to use to invest or withdraw money,

• the income payment plan(s) you want to use to receive retirement income,

• the Annuitant (either yourself or someone else) on whose life the income payments will be based,

• the Beneficiary or Beneficiaries who will receive the benefits that the Contract provides when the last surviving Contract Owner or the Annuitant dies, and

• any other rights that the Contract provides, including restricting income payments to Beneficiaries.

If the Annuitant dies prior to the Payout Start Date and the Contract Owner is a grantor trust not established by a business, the new Contract Owner will be the Beneficiary(ies).

If you select the Enhanced Beneficiary Protection (MAV) Option, the Enhanced Beneficiary Protection (Annual Increase) Option, or the Earnings Protection Death Benefit Option, the maximum age of any Contract Owner on the Rider Application Date is currently age 79. If you select the Spousal Protection Benefit (Co-Annuitant) Option or the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts (CSP), the maximum age of any Contract Owner or beneficial owner for CSP on the Rider Application Date is currently age 90. If you select the SureIncome Plus Withdrawal Benefit Option, the maximum age of any Contract Owner on the Rider Application Date is age 80. If you select the SureIncome For Life Withdrawal Benefit Option, the minimum and maximum ages of the oldest Contract Owner (oldest annuitant if Contract Owner is a non-living person) on the Rider Application Date are ages 50 and 79, respectively.

Except for certain retirement plans, you may change the Contract Owner at any time by written notice in a form satisfactory to us. Until we receive your written notice to change the Contract Owner, we are entitled to rely on the most recent information in our files. We will provide a change of ownership form to be signed by you and filed with us. Once we accept the change, the change will take effect as of the date you signed the request. We will not be liable for any payment or settlement made prior to accepting the change. Accordingly, if you wish to change the Contract Owner, you should deliver your written notice to us promptly. Each change is subject to any payment we make or other action we take before we accept it. Changing ownership of this Contract may cause adverse tax consequences and may not be allowed under Qualified Contract. Please consult with a competent tax advisor prior to making a request for a change of Contract Owner.

ANNUITANT

If you select the Spousal Protection Benefit (Co-Annuitant) Option, the maximum age of any Annuitant on the Rider Application Date is age 90.

If you select the Spousal Protection Benefit (Co-Annuitant) Option for Custodial Individual Retirement Accounts, the maximum age of any Annuitant on the Rider Application Date is age 90.

If you select the Income Protection Benefit Option, the oldest Annuitant and joint Annuitant (if applicable) must be age 75 or younger on the Payout Start Date.

If you select the SureIncome Plus Withdrawal Benefit Option, the maximum age of any Annuitant on the Rider Application Date is age 80. If you select the SureIncome For Life Withdrawal Benefit Option, the minimum and maximum ages of the oldest annuitant, if the Contract Owner is a non-living person, on the Rider Application Date are ages 50 and 79, respectively.