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                                                                   EXHIBIT 10.22

                            Administrative Agreement
                                     between
                         ALLSTATE LIFE INSURANCE COMPANY
                                       and
                           Certain of its Subsidiaries

This Administrative Agreement ("Agreement") is made effective as of June 1,
1993, between ALLSTAIE LIFE INSURANCE COMPANY ("Allstate Life"), ALLSTATE LIFE
FINANCIAL SERVICES, INC. ("ALFS") , GLENBROOK LIFE AND ANNUITY COMPANY
("Glenbrook Life"), and ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK, ("ALNY").

                                   WITNESSETH:

WHEREAS, ALFS is a direct subsidiary of Allstate Life and shares with Allstate
Life certain expenses and services, including rent of premises, utilities,
employee compensation (including taxes and benefits), computer
hardware/software, postage, printing, office supplies, telephone, and travel;

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

WHEREAS, ALFS desires that Allstate Life, Glenbrook Life and ALNY assume
financial and administrative responsibility for these expenses and services.

NOW, THEREFORE, it is agreed as follows:

1.   EXPENSES AND COSTS

     A.   Allstate Life agrees to assume 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 of
          variable insurance contracts.

     B.   Glenbrook Life agrees to assume on behalf of ALFS responsibility for
          costs incurred by ALFS in connection with state and regulatory
          licensing fees and certain audit and legal fees.

     C.   Cost shall mean ALFS 's actual costs and expenses reasonably
          attributable to this Agreement. All allocations of expenses for the
          above services and facilities will be made by Allstate Life and
          Glenbrook Life in accordance

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          with generally acceptable accounting principles.

2.   ADMINISTRATIVE SERVICES

     A.   COMMISSIONS

          Allstate Life, Glenbrook Life and ALNY 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,
          Glenbrook Life nor ALNY will exercise any discretion over the amount
          of the commissions, and such commissions paid by Allstate Life,
          Glenbrook Life and ALNY will be a purely clerical and ministerial
          function and will be properly reflected on the books and records
          maintained by Allstate Life, Glenbrook Life and ALNY on behalf of
          ALFS.

     B.   CONFIRMATIONS

          Allstate Life, Glenbrook Life and ALNY 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
          provisions 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, Glenbrook Life and ALNY will maintain and preserve
          books and 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,
          Glenbrook Life and ALNY 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, Glenbrook Life and ALNY 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.

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          2.   Each party shall own, have custody of and keep its own general
               corporate records. Upon request, each party shall receive from
               the other party 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, Glenbrook Life and ALNY 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.   Either party may terminate this Agreement by giving the other party
          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 the other solely by reason
          of this Agreement. Allstate Life, Glenbrook Life and ALNY 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 and ALNY.

                       THE NEXT PAGE IS THE EXECUTION PAGE

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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             ALLSTATE LIFE FINANCIAL SERVICES,
                                             INC.

BY: /s/ Michael J. Velotta                    BY: /s/ John Roger Hunter
   -----------------------------------           ------------------------
TITLE:  V.P., Secretary & Gen. Counsel        TITLE:  President & CEO
      --------------------------------              ---------------------


ALLSTATE LIFE INSURANCE                       GLENBROOK LIFE AND ANNUITY
COMPANY OF NEW YORK                           COMPANY


BY: /s/ Peter H. Heckman                      BY: /s/ Andrea Schur
   -----------------------------------           ------------------------
TITLE:      V.P.                              TITLE:    V.P.
      --------------------------------              ---------------------