 Not available in every state, subject to terms and conditions. Rating factors and savings vary, and in some states your rate could increase with high-risk driving. Allstate Fire and Casualty Insurance Company and affiliates, Northbrook, Illinois. Are you paying too much for term life insurance? A man age 50, non-tobacco user, can obtain $500,000 of coverage for as little as $110 per month. Level rate for 20 years. That's right, guaranteed level rate for 20 years.