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                                                                   EXHIBIT 10.22

                        Administrative Services Agreement

                                     between

         ALLSTATE LIFE INSURANCE COMPANY AND CERTAIN OF ITS SUBSIDIARIES

                                       and

                                   ALFS, INC.

This Administrative Services Agreement ("Agreement") is made effective as of
JANUARY 1, 2000, between ALFS, INC. ("ALFS") and ALLSTATE LIFE INSURANCE COMPANY
("Allstate Life") and certain of Allstate Life's subsidiaries: GLENBROOK LIFE
AND ANNUITY COMPANY ("Glenbrook Life"), LINCOLN BENEFIT LIFE COMPANY ("LBL") and
CHARTER NATIONAL LIFE INSURANCE COMPANY("Charter")(Allstate Life, Glenbrook
Life, LBL and Charter will hereinafter collectively be referred to as "Allstate
Life and certain of its subsidiaries").

                                   WITNESSETH:

WHEREAS, Allstate Life and certain of its subsidiaries issue to the public
certain variable insurance contracts;

WHEREAS, ALFS acts as principal underwriter on an agency (best efforts) basis in
the marketing and distribution of said variable insurance contracts;

WHEREAS, Allstate Life and certain of its subsidiaries desire to continue to
obtain the services of ALFS as an underwriter and distributor of said variable
insurance contracts issued by Allstate Life and certain of its subsidiaries;

WHEREAS, ALFS is a direct subsidiary of Allstate Life and shares with Allstate
Life certain services on an ongoing basis, including, but not limited to: rent
of premises, utilities, employee compensation (including taxes and benefits),
computer hardware/software, postage, printing, office supplies, telephone,
travel, financial, accounting, legal, regulatory, marketing and administrative
services in connection with the marketing and distribution of said variable
insurance contracts;

WHEREAS, Allstate Life and ALFS share personnel which may perform services on
behalf of ALFS;

WHEREAS, ALFS desires that Allstate Life and certain of its subsidiaries amend
and restate

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the understanding whereby they assume financial and administrative
responsibility for these expenses and services.

NOW, THEREFORE, it is agreed as follows:

1.   EXPENSES AND COSTS

     A.   Allstate Life assumes on behalf of ALFS responsibility for the costs
          described above and any other overhead and operating expense that may
          be incurred by ALFS in connection with the marketing and distribution
          of variable insurance contracts.

     B.   Allstate Life further assumes on behalf of ALFS responsibility for
          costs incurred by ALFS in connection with state and regulatory
          licensing fees and certain audit, legal and professional fees, which
          services may change from time to time.

     C.   Cost(s) shall mean ALFS' actual costs and expenses reasonably
          attributable to all services covered by this Agreement.

2.   ADMINISTRATIVE SERVICES

     A.   COMMISSIONS

          Allstate Life and certain of its subsidiaries agree to assume on
          behalf of ALFS responsibility for the processing and payment of sales
          commissions in connection with the marketing of variable insurance
          contracts. Such commissions will be processed and paid as directed by,
          and on behalf of, ALFS. In this regard, neither Allstate Life nor
          Glenbrook Life nor LBL nor Charter will exercise any discretion over
          the amount of the commissions, and such commissions paid by Allstate
          Life and certain of its subsidiaries will be a purely clerical and
          ministerial function and will be properly reflected on the books and
          records maintained by Allstate Life and certain of its subsidiaries on
          behalf of ALFS.

     B.   CONFIRMATIONS

          Allstate Life and certain of its subsidiaries will send on behalf of
          ALFS confirmations of transactions in connection with the marketing of
          variable insurance contracts to contract owners in accordance with the
          provision of Rule 10b-10 under the Securities Exchange Act of 1934
          (the "Exchange Act"), and such confirmations will indicate that they
          were sent on behalf of ALFS.

     C.   RECORDKEEPING

          Allstate Life and certain of its subsidiaries will maintain and
          preserve books and

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          records on behalf of and as agent for ALFS in connection with the
          offer and sale of variable insurance contracts, and all books and
          records relating to confirmation of transactions in compliance with
          Rules 17a-3 and 17a-4 under the Exchange Act. Allstate Life and
          certain of its subsidiaries agree that all such books and records will
          remain the property of ALFS and will be subject to inspection by the
          Securities Exchange Commission and the National Association of
          Securities Dealers, Inc. ("NASD") in accordance with Sections 17 and
          15A of the Exchange Act.

     D.   CORPORATE BOOKS AND RECORDS

          1.   Records supporting inter-company costs and expense charges and
               maintained by Allstate Life and certain of its subsidiaries on
               behalf of ALFS shall be considered ALFS' records and shall be
               available to ALFS upon request. All original documents and
               records relating to the operations of ALFS are the property of
               ALFS.

          2.   Each parry shall own, have custody of and keep its own general
               corporate records. Upon request, each parry shall receive from
               the other parry any of its records which are currently in the
               other party's possession.

          3.   The parties agree to keep all records required by federal and
               state securities laws and state insurance laws, to maintain the
               books, accounts and records so as to clearly and accurately
               disclose the precise nature and details of the transactions and
               to assist one another in the timely preparation of records.

3.   GENERAL PROVISIONS

     A.   Allstate Life and certain of its subsidiaries shall furnish to ALFS
          any reports and information which ALFS may request for the purpose of
          satisfying its reporting and recordkeeping requirements under the
          federal and state securities laws or under the applicable rules of the
          NASD.

     B.   Any party may terminate this Agreement by giving the other parties
          written notice of the date upon which termination shall take place.

     C.   Each party shall be deemed an independent contractor and its personnel
          shall not be deemed to be the employees of any of the other parties
          solely by reason of this Agreement. Allstate Life, Glenbrook Life, LBL
          and Charter employees performing duties hereunder at all times during
          the term of this Agreement shall be in the employment, under the
          respective supervision and responsibility of Allstate Life, Glenbrook
          Life, LBL and Charter.

     D.   This agreement replaces all prior agreements among the parties
          relating to the

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          services and expenses covered herein.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
and ratified by their duly authorized officers as of the day and year above
written.


ALLSTATE LIFE INSURANCE COMPANY                 ALFS, INC.


BY: /s/ John Roger Hunter                       BY: /s/ John Roger Hunter
   --------------------------                      -----------------------------
TITLE:   Vice President                         TITLE:   President
      -----------------------                         --------------------------


GLENBROOK LIFE AND ANNUITY COMPANY              CHARTER NATIONAL LIFE
                                                INSURANCE COMPANY


BY: /s/ John Roger Hunter                       BY: /s/ John Roger Hunter
   --------------------------                      -----------------------------
TITLE:   Vice President                         TITLE:   Vice President
      -----------------------                         --------------------------


LINCOLN BENEFIT LIFE COMPANY


BY: /s/ Bernard E. Wraith
   --------------------------
TITLE:   President
      ----------------------