Common use of PLEASE READ YOUR CONTRACT CAREFULLY Clause in Contracts

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000800) 000390-00001277. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- --------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- --------------------------------------------------------------------- ANNUITY DATA PAGE...................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Contract Owner(s) of this Contract and Allstate Glenbrook Life Insurance and Annuity Company. Trial Examination Period Return Privilege Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel return it by written notification to us or our agent within 20 days after you receive it. We will refund any purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account OptionsAccount. (Where required by state law, we will refund any purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Glenbrook Life Insurance Company variable annuity, please contact Allstate Glenbrook Life at (000800) 000776-00006978. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3THE PERSONS INVOLVED...........................................................4

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Contract Owner(s) of this Contract and Allstate Glenbrook Life Insurance and Annuity Company. Trial Examination Period Return Privilege Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel return it by written notification to us or our agent within 20 days after you receive it. We will refund any purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account OptionsAccount. (Where required by state law, we will refund any purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Glenbrook Life Insurance Company variable annuity, please contact Allstate Glenbrook Life at (000800) 000776-00006978. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3THE PERSONS INVOLVED...........................................................4

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this Trial Examination Period excludes the actual amount of any Credit Enhancement. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ----------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ----------------------------------------------------------------------- ANNUITY DATA PAGE..................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(sContract owner(s) of this Contract and Allstate Glenbrook Life Insurance and Annuity Company. Trial Examination Period Return Privilege Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel return it by written notification to us or our agent within 20 days after you receive it. We will refund any purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account OptionsAccount. (Where required by state law, we will refund any purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this return privilege excludes the actual amount of any Credit Enhancement. If you have any questions about your Allstate Glenbrook Life Insurance Company variable annuity, please contact Allstate Glenbrook Life at (000) 000at(800)755-00005275. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3THE PERSONS INVOLVED...........................................................4

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract contract between the Owner(sContract owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Return Privilege Upon written request request, we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel return it by written notification to us or our agent within 20 days after you receive it. We will refund any purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account OptionsAccount. (Where required by state law, we will refund any purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life us at (000) 000-0000, Ext. -------------------------------------------------------------------------------- 17500. ----------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- Page 1 LU10133 (03/01) -------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3-------------------------------------------------------------------- THE PERSONS INVOLVED..............................................4

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract you and Allstate Life Insurance CompanyCompany of New York. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 10 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ TABLE OF CONTENTS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ ANNUITY DATA PAGE.....................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this Trial Examination Period excludes the actual amount of any Credit Enhancement. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000800) 000390-00001277. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- ANNUITY DATA PAGE.........................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000800) 000390-00001277. -------------------------------------------------------------------------------- ----------------------------------------------------------------------------= [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract you and Allstate Life Insurance CompanyCompany of New York. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 10 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have A refund under this Trial Examination Period excludes the actual amount of any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000Credit Enhancement. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- -------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- -------------------------------------------------------------------------- ANNUITY DATA PAGE.....................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ----------------------------------------------------------------------------= [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ------------------------------------------------------------------------------ [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- --------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- --------------------------------------------------------------------- ANNUITY DATA PAGE...................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract you and Allstate Life Insurance CompanyCompany of New York. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 10 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- ANNUITY DATA PAGE.....................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this Trial Examination Period excludes the actual amount of any Credit Enhancement. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000800) 000390-00001277. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- ANNUITY DATA PAGE.......................................................................................................................3

PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this Trial Examination Period excludes the actual amount of any Credit Enhancement. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- ------------------------------------------------------------------------ TABLE OF CONTENTS -------------------------------------------------------------------------------- ------------------------------------------------------------------------ ANNUITY DATA PAGE...................................................................................................................3