Common use of SOLICITING APPLICATIONS AND PAYMENTS Clause in Contracts

SOLICITING APPLICATIONS AND PAYMENTS. a. All applications for Contracts shall be made on application forms supplied by Allstate Life. BD, Associated Insurance Agency, Agents and the Representatives shall not recommend the purchase of a Contract to a prospective purchaser unless it has reasonable grounds to believe that such purchase is suitable for the prospective purchaser and is in accordance with applicable regulations of any state insurance department, the SEC and the NASD. A determination of suitability shall include, but is not limited to, information concerning the prospective purchaser's insurance and investment objectives, risk tolerance, tax status, previous investment experience, and other investments and savings. b. BD and Associated Insurance Agency shall review applications for completeness and correctness as to form, as well as compliance with the suitability standards specified above. BD will promptly, but in no case later than the end of the next business day following receipt by BD or a Representative, forward to Allstate Life all complete and correct applications, according to administrative procedures, together with any payments received with the applications, without deduction for compensation. Allstate Life reserves the right to reject any Contract application and return any payment made in connection with an application that is rejected. c. Contracts issued on accepted applications will be forwarded to BD for delivery to the Contract owner according to procedures established by Allstate Life, unless Allstate Life has provided otherwise. BD shall cause each such Contract to be delivered to the respective Contract Owner within five days after BD's receipt. BD shall be liable to Allstate Life for any loss incurred by Allstate Life (including consequential damages and regulatory penalties) as a result of any delay by BD or a Representative in delivering such Contract. d. BD, Associated Insurance Agency, Agents and Representatives shall not encourage a prospective purchaser to surrender or exchange a Contract in order to purchase another insurance policy or contract except when a change in circumstances makes the Contract an unsuitable investment for the Contract owner.

SOLICITING APPLICATIONS AND PAYMENTS. a. All applications for Contracts shall be made on application forms supplied by Allstate LifeGlenbrook. BD, Associated Insurance Agency, Agents and the Representatives shall not recommend the purchase of a Contract to a prospective purchaser unless it has reasonable grounds to believe that such purchase is suitable for the prospective purchaser and is in accordance with applicable regulations of any state insurance departmentInsurance commission, and with respect to Registered Contracts, the SEC and the NASD. A While not limited to the following a determination of suitability shall include, but is not limited to, be based on information concerning the prospective purchaser's insurance and investment objectives, risk tolerance, tax status, previous investment experience, objectives and other investments financial situation and savingsneeds. All such determinations of suitability shall be approved by a Principal of BD before forwarding such application to Glenbrook and ALFS. b. BD and Associated Insurance Agency shall review applications for completeness and correctness as to formcorrectness, as well as compliance with the suitability standards specified above. BD will promptly, but in no case later than the end of the next business day following receipt by BD or a Representative, forward to Allstate Life Glenbrook according to administrative procedures all complete and correct applications, according to administrative proceduresapplications for suitable transactions, together with any payments received with the applications, without deduction for compensationcompensation unless there has been a mutual arrangement for net wire transmissions between ALFS, Glenbrook and BD. Allstate Life Glenbrook reserves the right to reject any Contract application and return any payment made in connection with an application that is rejected. c. Contracts issued on accepted applications will be forwarded to BD for delivery to the Contract owner Owner according to procedures established by Allstate LifeGlenbrook, unless Allstate Life Glenbrook has provided otherwise. BD shall cause each such Contract to be delivered to the respective Contract Owner within five days after BD's receipt. BD shall be liable to Allstate Life Glenbrook for any loss incurred by Allstate Life Glenbrook (including consequential damages and regulatory penalties) as a result of any delay by BD or a Representative in delivering such Contract. d. BD, Associated Insurance Agency, Agents and Representatives shall not encourage a prospective purchaser to surrender or exchange a Contract in order to purchase another insurance policy or contract except when a change in circumstances makes the Contract an unsuitable investment for the Contract owner.

SOLICITING APPLICATIONS AND PAYMENTS. a. All applications for Contracts shall be made on application forms supplied by Allstate LifeLife of New York. BD, Associated Insurance Agency, Agents and the Representatives shall not recommend the purchase of a Contract to a prospective purchaser unless it has reasonable grounds to believe that such purchase is suitable for the prospective purchaser and is in accordance with applicable regulations of any state insurance departmentcommission, and with respect to Registered Contracts, the SEC and the NASD. A While not limited to the following, a determination of suitability shall include, but is not limited to, be based on information concerning the prospective purchaser's insurance and investment objectives, risk tolerance, tax status, previous investment experience, objectives and other investments financial situation and savingsneeds. All such determinations of suitability shall be approved by a Principal of BD before forwarding such application to Allstate Life of New York and ADLLC. b. BD and Associated Insurance Agency shall review applications for completeness and correctness as to formcorrectness, as well as compliance with the suitability standards specified above. BD will promptly, but in no case later than the end of the next business day following receipt by BD or a Representative, forward to Allstate Life of New York according to administrative procedures all complete and correct applications, according to administrative proceduresapplications for suitable transactions, together with any payments received with the applications, without deduction for compensationcompensation unless there has been a mutual arrangement for net wire transmissions between ADLLC, Allstate Life of New York and BD. Allstate Life of New York reserves the right to reject any Contract application and return any payment made in connection with an application that is rejected. c. Contracts issued on accepted applications will be forwarded to BD for delivery to the Contract owner Owner according to procedures established by Allstate LifeLife of New York, unless Allstate Life of New York has provided otherwise. BD shall cause each such Contract to be delivered to the respective Contract Owner within five days after BD's receipt. BD shall be liable to Allstate Life of New York for any loss incurred by Allstate Life of New York (including consequential damages and regulatory penalties) as a result of any delay by BD or a Representative in delivering such Contract. d. BD, Associated Insurance Agency, Agents and Representatives shall not encourage a prospective purchaser to surrender or exchange a Contract in order to purchase another insurance policy or contract except when a change in circumstances makes the Contract an unsuitable investment for the Contract owner.

SOLICITING APPLICATIONS AND PAYMENTS. a. All applications for Contracts shall be made on application forms supplied by Allstate Life. BD, Associated Insurance Agency, Agents and the Representatives shall not recommend the purchase of a Contract to a prospective purchaser unless it has reasonable grounds to believe that such purchase is suitable for the prospective purchaser and is in accordance with applicable regulations of any state insurance departmentcommission, and with respect to Registered Contracts, the SEC and the NASD. A While not limited to the following, a determination of suitability shall include, but is not limited to, be based on information concerning the prospective purchaser's insurance and investment objectives, risk tolerance, tax status, previous investment experience, objectives and other investments financial situation and savingsneeds. All such determinations of suitability shall be approved by a Principal of BD before forwarding such application to Allstate Life and ADLLC. b. BD and Associated Insurance Agency shall review applications for completeness and correctness as to formcorrectness, as well as compliance with the suitability standards specified above. BD will promptly, but in no case later than the end of the next business day following receipt by BD or a Representative, forward to Allstate Life according to administrative procedures all complete and correct applications, according to administrative proceduresapplications for suitable transactions, together with any payments received with the applications, without deduction for compensationcompensation unless there has been a mutual arrangement for net wire transmissions between ADLLC, Allstate Life and BD. Allstate Life reserves the right to reject any Contract application and return any payment made in connection with an application that is rejected. c. Contracts issued on accepted applications will be forwarded to BD for delivery to the Contract owner Owner according to procedures established by Allstate Life, unless Allstate Life has provided otherwise. BD shall cause each such Contract to be delivered to the respective Contract Owner within five days after BD's receipt. BD shall be liable to Allstate Life for any loss incurred by Allstate Life (including consequential damages and regulatory penalties) as a result of any delay by BD or a Representative in delivering such Contract. d. BD, Associated Insurance Agency, Agents and Representatives shall not encourage a prospective purchaser to surrender or exchange a Contract in order to purchase another insurance policy or contract except when a change in circumstances makes the Contract an unsuitable investment for the Contract owner.

SOLICITING APPLICATIONS AND PAYMENTS. a. All applications for Contracts shall be made on application forms supplied by Allstate LifeLife of New York. BD, Associated Insurance Agency, Agents and the Representatives shall not recommend the purchase of a Contract to a prospective purchaser unless it has reasonable grounds to believe that such purchase is suitable for the prospective purchaser and is in accordance with applicable regulations of any state insurance departmentcommission, and with respect to Registered Contracts, the SEC and the NASD. A While not limited to the following, a determination of suitability shall include, but is not limited to, be based on information concerning the prospective purchaser's insurance and investment objectives, risk tolerance, tax status, previous investment experience, objectives and other investments financial situation and savingsneeds. All such determinations of suitability shall be approved by a Principal of BD before forwarding such application to Allstate Life of New York and ALFS. b. BD and Associated Insurance Agency shall review applications for completeness and correctness as to formcorrectness, as well as compliance with the suitability standards specified above. BD will promptly, but in no case later than the end of the next business day following receipt by BD or a Representative, forward to Allstate Life of New York according to administrative procedures all complete and correct applications, according to administrative proceduresapplications for suitable transactions, together with any payments received with the applications, without deduction for compensationcompensation unless there has been a mutual arrangement for net wire transmissions between ALFS, Allstate Life of New York and BD. Allstate Life of New York reserves the right to reject any Contract application and return any payment made in connection with an application that is rejected. c. Contracts issued on accepted applications will be forwarded to BD for delivery to the Contract owner Owner according to procedures established by Allstate LifeLife of New York, unless Allstate Life of New York has provided otherwise. BD shall cause each such Contract to be delivered to the respective Contract Owner within five days after BD's receipt. BD shall be liable to Allstate Life of New York for any loss incurred by Allstate Life of New York (including consequential damages and regulatory penalties) as a result of any delay by BD or a Representative in delivering such Contract. d. BD, Associated Insurance Agency, Agents and Representatives shall not encourage a prospective purchaser to surrender or exchange a Contract in order to purchase another insurance policy or contract except when a change in circumstances makes the Contract an unsuitable investment for the Contract owner.