Document:

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                                                                   Exhibit 10.9

               MARKETING COORDINATION AND ADMINISTRATIVE SERVICES
                                    AGREEMENT

                                      AMONG

                       ALLSTATE FINANCIAL SERVICES, L.L.C.
                                       AND
                           ALLSTATE INSURANCE COMPANY
                                       AND
                         ALLSTATE LIFE INSURANCE COMPANY

        This Marketing Coordination and Administrative Services Agreement (this
"Agreement") made and effective as of this 1st day of January, 2003, among
ALLSTATE FINANCIAL SERVICES, L.L.C., a Delaware limited liability company
("AFS"), ALLSTATE INSURANCE COMPANY, an Illinois insurance company ("Allstate"),
and ALLSTATE LIFE INSURANCE COMPANY, an Illinois insurance company ("ALIC").

                                   WITNESSETH:

        WHEREAS, Allstate desires that AFS provide certain administrative and
supervisory services relating to the sale of financial products by Allstate
representatives;

        WHEREAS, ALIC desires that AFS provide certain marketing services
relating to the promotion of registered securities products; and

        WHEREAS, AFS desires to furnish or cause to be furnished to Allstate and
ALIC certain services and facilities subject to the terms and conditions
hereinafter set forth.

        NOW, THEREFORE, it is agreed as follows:

1.   AFS shall furnish or cause to be furnished to ALIC the services and
     facilities listed on Exhibit A, attached hereto. AFS and ALIC may, from
     time to time, agree that only certain of the listed services and facilities
     will be provided by AFS to ALIC. In exchange for such services and
     facilities, ALIC shall pay a marketing fee to AFS in the amount of Two
     Hundred Thousand Dollars ($200,000) per month.

2.   AFS shall furnish or cause to be furnished to Allstate the services and
     facilities listed on Exhibit B, attached hereto. AFS and Allstate may, from
     time to time, agree that only certain of the listed services and facilities
     will be provided by AFS to Allstate. In exchange for such services and
     facilities, Allstate shall pay to AFS an affiliation fee of Three Hundred
     Fifty Dollars ($350) per Allstate exclusive agent or exclusive financial
     services representative who becomes a registered representative. The
     affiliation fee will be payable to AFS annually on January 31st, starting
     with January

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     31, 2003, and will be calculated based on the number of Allstate registered
     representatives as of December 31st of the prior year. Allstate also shall
     pay to AFS, on a quarterly basis, an additional Three Hundred Fifty Dollars
     ($350) per Allstate exclusive agent or exclusive financial services
     representative who becomes a registered representative during any calendar
     year, beginning with 2003.

3.   Allocations for the above services and facilities shall be made by the
     parties in accordance with the general provisions of the NAIC expense
     classification and allocation guidelines applicable to all inter-company
     allocations between Allstate and its insurance affiliates. Such guidelines
     may be amended from time to time, in which case the allocation procedures
     for charges pursuant to this Agreement will also be amended. The parties
     will exercise reasonable judgment in implementing the expense
     classification and allocation guidelines. Additionally, AFS shall maintain
     proper documentation for revisions and communicate changes in allocation
     requirements to ALIC and Allstate in a timely manner.

4.   AFS will exercise reasonable judgment in periodically reviewing the
     expenses incurred and the percentage thereof allocated. Allstate or ALIC
     may request a review of such expenses and their allocation and such review
     will occur promptly thereafter.

5.   AFS will charge ALIC and Allstate for all the services and facilities
     provided pursuant to this Agreement via the monthly expense allocation
     process. Payments will be through the monthly intercompany settlement
     process. The process will be completed by Allstate personnel in the most
     timely and effective method available.

6.   AFS shall maintain such records as may be required relating to the
     accounting system of AFS, Allstate and ALIC.

7.   Upon reasonable notice, and during normal business hours, Allstate and ALIC
     shall be entitled to, at their own expense, inspect records, which pertain
     to the computation of charges for the facilities or services provided
     pursuant to this Agreement. AFS shall at all times maintain correct and
     complete books, records and accounts of all services and facilities
     furnished pursuant to this Agreement. Allstate and ALIC shall have an
     unconditional right of ownership of, or at either party's option the right
     to obtain copies of, any records prepared on its behalf under this
     Agreement. The parties agree to make such records available to the Director
     of the Illinois Department of Insurance or his designees.

8.   Allstate employees performing duties hereunder at all times during the term
     of this Agreement shall be in the employment, under the supervision and
     control of Allstate and shall not be deemed employees of AFS or ALIC. The
     scope of, and the manner in which, AFS provides facilities and services to
     Allstate and ALIC shall be reviewed periodically by the parties; and the
     compensation therefor may be adjusted periodically by mutual agreement of
     the parties. All services and facilities shall be of good quality and
     suitable for the purpose for which they are intended.

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9.   Any party may terminate this Agreement upon sixty (60) days prior written
     notice to the other parties.

9.   AFS shall not assign its obligations or rights under this Agreement without
     the written consent of Allstate and ALIC. This Agreement may be terminated
     only upon the consent of AFS; provided, however, that in the event that the
     affiliate relationship of AFS with Allstate or ALIC ceases to exist, this
     Agreement shall terminate immediately with respect to such party.

10.  All communications provided for hereunder shall be in writing, and if to
     AFS or ALIC, mailed or delivered to AFS or ALIC at its office at the
     address listed in its official Corporate records maintained by its
     Secretary, Attention: Secretary, or if to Allstate, mailed or delivered to
     its office at 3075 Sanders Road, Northbrook, Illinois 60062, Attention:
     Controller, or addressed to any party at the address such party may
     hereafter designate by written notice to the other parties.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be signed
as of the day and year above written.

                                         ALLSTATE FINANCIAL SERVICES,
                                         L.L.C.

                                         By /s/ Robert C. Doebler
                                           -------------------------------------
                                         Robert C. Doebler
                                         Chief Operating Officer

                                         ALLSTATE INSURANCE COMPANY

                                         By /s/ Samuel H. Pilch
                                           -------------------------------------
                                         Samuel H. Pilch
                                         Group Vice President and Controller

                                         ALLSTATE LIFE INSURANCE
                                         COMPANY

                                         By /s/ James P. Zils
                                           -------------------------------------
                                            James P. Zils
                                            Treasurer

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                       Exhibit A to Marketing Coordination
                      and Administrative Services Agreement
                  Among Allstate Financial Services, LLC (AFS)
                     Allstate Life Insurance Company (ALIC)
                      Allstate Insurance Company (Allstate)
                                 January 1, 2003

                        SCHEDULE OF AFS SERVICES TO ALIC

In consideration for the marketing fees payable hereunder from ALIC to AFS, AFS
shall:

        1.  Promote, among its registered representatives, the sale of such
            registered securities and other financial products and services of
            ALIC as shall be agreed upon from time to time by AFS and ALIC.

        2.  Promote, supervise and monitor the suitability of recommendations
            made by AFS representatives in connection with the sale of ALIC
            products, as well as those provided by other issuers.

        3.  Provide the NASD-compliance review for all sales and marketing
            materials prepared for the promotion and communication of
            information regarding ALIC registered products, and handle the
            filing and regulatory clearance of such materials with the NASD.

        4.  Assist ALIC in providing training to its registered representatives
            in connection with ALIC products to be distributed by AFS.

        5.  Assist in serving ALIC customers by responding to product
            information inquiries and service requests received by AFS.

        6.  Assist in resolving any customer complaints received by AFS or ALIC
            in connection with the sale or administration of ALIC products.

        7.  Maintain and manage supervisory procedures and a network of field
            compliance and supervisory principals to protect both AFS and ALIC
            from exposure to legal and regulatory risks and liabilities.

        8.  Perform such other services as the parties may mutually agree upon
            from time to time.

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                       Exhibit B to Marketing Coordination
                      and Administrative Services Agreement
                  Among Allstate Financial Services, LLC (AFS)
                     Allstate Life Insurance Company (ALIC)
                      Allstate Insurance Company (Allstate)
                                 January 1, 2003

                      SCHEDULE OF AFS SERVICES TO ALLSTATE

In consideration for the affiliation fees payable hereunder from Allstate to
AFS, AFS shall:

        1.  Coordinate, manage and maintain the registration, both NASD and
            State (where required), of all securities licenses for agents and
            employees of Allstate who apply to become registered representatives
            of AFS.

        2.  Assist with the training of Allstate representatives who become
            registered, such training to include information on general
            securities, variable insurance products, mutual funds, AFS policies
            and procedures, legal and regulatory requirements, suitability of
            sales recommendations, and other content AFS deems appropriate.

        3.  Provide each Allstate agent or employee, who becomes registered,
            with the AFS Registered Representative Manual.

        4.  Conduct annual compliance meetings and required continuing education
            programs for all Allstate agents or employees who become registered
            with AFS.

        5.  Review, approve and obtain regulatory clearance for any sales or
            marketing material submitted by Allstate agents or employees for use
            in the sale of AFS-approved products and services.

        6.  Review and supervise the suitability of all securities
            recommendations made by Allstate/AFS representatives.

        7.  Perform periodic office inspections of Allstate agent locations that
            are registered as branch offices of AFS.

        8.  Assist in resolving any customer complaints received by AFS
            regarding the sales conduct of any Allstate representative in
            connection with AFS's securities business.

        9.  Maintain and manage supervisory procedures and a network of field

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            compliance and supervisory principals to protect both AFS and
            Allstate from exposure to legal and regulatory risks and
            liabilities.

        10. Perform such other services as the parties may mutually agree upon
            from time to time.<Page>

                                                                   Exhibit 10.17
                             AGENT ACCESS AGREEMENT

This Insurance Agreement (hereinafter the "Agreement") is made by and between
Allstate Insurance Company, an Illinois property and casualty insurance
company, located in Northbrook, Illinois (hereinafter "AIC"), Allstate New
Jersey Insurance Company, an Illinois property and casualty insurance company
located in Bridgewater, New Jersey, (hereinafter "ANJ") Allstate Life
Insurance Company, an Illinois life and health insurance company, located in
Northbrook, Illinois (hereinafter "ALIC"), and Allstate Bank, a federal
savings association, located in Vernon Hills, Illinois (hereinafter the
"Bank"). This Agreement is executed this 17th day of March, 2004, and shall
be effective as of January 1, 2002.

WHEREAS, AIC, ANJ and ALIC have developed a network of employee agents and
independent contractor agents soliciting insurance and other financial services;
and

WHEREAS, the Bank offers or will offer various consumer deposit and savings
products and services, and consumer loan products and services, as more fully
described in this Agreement; and

WHEREAS, the Bank desires to utilize AIC's, ANJ's and ALIC's network of agents
to offer the Bank's consumer deposit and savings products to customers of AIC,
ANJ and ALIC (hereinafter "Bank Products");

NOW, THEREFORE, the parties, in consideration of the mutual covenants,
agreements and promises hereinafter contained, do hereby agree as follows:

                    A. RESPONSIBILITIES OF AIC, ANJ, AND ALIC

1)   AIC and ANJ do not object to the Bank's utilization of the respective AIC
     and ANJ agents (hereinafter "Agents"), and ALIC does not object to the
     Bank's utilization of the Exclusive Financial Specialists (hereinafter
     "EFSs"), for, among other things, the solicitation of Bank Products,
     referral of customers to the Bank and assisting customers with respect to
     Bank Products.

2)   AIC, ANJ and ALIC may, at any time and at their sole discretion, choose to
     exclude certain Agents and EFSs from participation in the solicitation of,
     and customer referral for, the Bank Products by providing the Bank with a
     list of those Agents' and EFSs' names and instructions that they be
     excluded. The Bank agrees that, immediately upon receipt of such list, it
     will refrain from accepting any application for Bank Products or customer
     referral submitted by an Agent or EFS so excluded. Applications for Bank
     Products already accepted by the Bank will not be affected by this
     Paragraph 2.

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3)   In the event an Agent has terminated his or her agreement with AIC or ANJ,
     as the case may be, or an EFS has terminated his or her agreement with
     ALIC, the Bank shall be notified by the terminating company of such fact.

                         B. RESPONSIBILITIES OF THE BANK

1) The Bank agrees that it will conduct, or arrange to have conducted,
   introduction orientation programs and education programs from time to time
   for Agents and EFSs, at no cost to, and no responsibility on the part of,
   AIC, ANJ or ALIC. The schedule to be followed shall be mutually agreed upon
   by the parties.

2) The Bank shall have the right, at its option, to terminate, for cause or
   otherwise, the authorization of any Agent or EFS as its agent. The Bank will
   notify AIC, ANJ or ALIC, as the case may be, of the termination of
   authorization of any Agent or EFS.

                            C. COMPENSATION TO AGENTS

1) Compensation payable to Agents and EFSs as contemplated under this Agreement
   will be remitted by the Bank to Agents and EFSs by utilizing AIC's, ANJ's,
   and ALIC's compensation system.

2) Within fifteen (15) days after the end of each month, the Bank shall provide
   to AIC, ANJ and ALIC a written accounting, specifying the compensation
   payable on all business under this Agreement during the previous month.

                               D. CONFIDENTIALITY

Any information regarding the Bank, its business or customers ("Confidential
Information") will be held in strict confidence by AIC, ANJ, and ALIC.
Confidential Information will not directly or indirectly be divulged, disclosed,
sold or communicated to any other person or entity or used for any purpose other
than such purposes as are expressly contemplated by this Agreement, except as
otherwise required by judicial or regulatory authorities having jurisdiction in
respect thereof, and except as otherwise allowed under applicable privacy laws
and regulations.

                             E. TERM AND TERMINATION

This Agreement shall be effective as of the date first written above and shall
remain in force until terminated as provided herein.

1) If any party breaches any material term or condition of this Agreement, the
   other parties may send written notice by certified, registered, or express
   mail to such party specifying the breach. In the event the breach is not
   cured within sixty (60) days thereafter, the aggrieved party may immediately
   terminate this Agreement upon written notice to the other parties by
   certified, registered or express mail.

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2) Any party may terminate this Agreement without cause by sending written
   notice by certified, registered, or express mail to the other parties, such
   notice having been sent not less than sixty (60) days prior to the date upon
   which termination shall take effect.

3) At any time upon the written mutual consent of the parties.

              F. WAIVER OR MODIFICATION INEFFECTIVE UNLESS WRITTEN

It is agreed that no waiver or modification of this Agreement or any covenant,
addition, or limitation herein contained shall be valid unless agreed to in
writing by authorized representatives of all parties and further that any waiver
or modification shall not be offered or received in evidence in any proceeding
or litigation between the parties hereto arising out of or affecting this
Agreement or the rights or obligations hereunder, and the parties further agree
that the provisions of this Section F may not be waived except as herein set
forth.

                                 G. SEVERABILITY

The invalidity or unenforceability of any provision or clause or portion thereof
of this Agreement shall in no way impair or affect the validity or
enforceability of any other provision of this Agreement, which shall remain in
full force and effect.

                               H. WAIVER OF BREACH

The failure to insist upon strict compliance with any of the terms, covenants or
conditions hereof shall not be deemed a waiver of such terms, covenants or
conditions.

                                   I. NOTICES

All notices which are required to be in writing shall be given by registered,
certified, or express mail, or by fax, sent to the respective parties at the
address indicated below or at such other address as may be required in writing
by any party as to its own address:

               IF TO THE BANK:

               Allstate Bank
               544 Lakeview Parkway
               Vernon Hills, Illinois 60061
               Attn: President

               IF TO AIC:

               Allstate Insurance Company
               2775 Sanders Road

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               Northbrook, Illinois 60062
               Attn: Secretary

               IF TO ANJ:

               Allstate New Jersey Insurance Company
               721 U.S, Highway 202/206, Suite 300
               Bridgewater, New Jersey 08807
               Attn: Regional Counsel

               IF TO ALIC:

               Allstate Life Insurance Company
               3100 Sanders Road
               Northbrook, IL 60062
               Attention: Secretary

Each notice will be effective upon receipt.

                               J. ENTIRE AGREEMENT

This Agreement embodies the entire understanding between the parties, and all
prior correspondence, conversations, and memoranda are merged herein and are
replaced hereby, and no change, alteration, or modification hereof may be made
except in writing and signed by authorized representatives of all parties
hereto.

                                K. BINDING EFFECT

This Agreement shall be binding upon and shall inure to the benefit of the
parties hereto and their respective successors and assigns.

                               L. CONTROLLING LAW

This Agreement is entered into and shall be governed by the laws of the State of
Illinois.

                                   M. EXPENSES

All expenses and costs incurred by the Bank in connection with the performance
of its duties under this Agreement, including but not limited to, mailing
labels, stationary packages, and marketing materials, shall be borne by the
Bank, except as stated herein.

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IN WITNESS WHEREOF, the parties have caused this Agreement to be signed by their
duly authorized officers,.

                         ALLSTATE BANK.

                         By:     /s/ Clay S. Green
                             ----------------------------------
                         Name:   Clay S. Green
                               --------------------------------
                         Title:  President
                                -------------------------------

                         ALLSTATE LIFE INSURANCE COMPANY

                         By:     /s/ James P. Zils
                             ----------------------------------
                         Name:   James P. Zils
                               --------------------------------
                         Title:  Treasurer
                                -------------------------------

                         ALLSTATE INSURANCE COMPANY

                         By:     /s/ James P. Zils
                             ----------------------------------
                         Name:   James P. Zils
                               --------------------------------
                         Title:  Vice President and Treasurer
                                -------------------------------

                         ALLSTATE NEW JERSEY INSURANCE COMPANY

                         By:     /s/ James P. Zils
                             ----------------------------------
                         Name:   James P. Zils
                               --------------------------------
                         Title:  Vice President and Treasurer
                                -------------------------------

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