Document:

<PAGE>

                                                                  Exhibit 10.13

                              Amendment Number 8

                         To the Reinsurance Agreement
                           Effective January 1, 1984

                                    between
                  Allstate Life Insurance Company of New York
                   (hereinafter called the "Ceding Company")
                                      and
                        Allstate Life Insurance Company
                 (hereinafter called the "Accepting Company")

IT IS HEREBY AGREED, that the Reinsurance Agreement effective January 1, 1984,
between the Ceding Company and the Accepting Company, as previously amended by
Amendment Numbers 1 through 7 (hereinafter "Agreement") is hereby amended as
provided below.

   A. Effective July 1, 2013, "Schedule A" of the Agreement is replaced with
   the attached "Schedule A (Revised, Effective 7/1/2013)"

   B. Effective July 1, 2013, "Schedule B" of the Agreement is replaced with
   the attached "Schedule B (Revised, Effective 7/1/2013)"

This Amendment does not alter, amend or modify the Agreement other than as set
forth in this Amendment, and it is subject otherwise to all the terms and
conditions of the Agreement.

IN WITNESS WHEREOF, the parties to the Agreement have caused this Amendment
Number 8 to be duly executed by their respective officers on the dates shown
below.

ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK

By:     /s/ Samuel H. Pilch
        ------------------------------
Name:   Samuel H. Pilch
Title:  Senior Group Vice President and Controller

Date:

ALLSTATE LIFE INSURANCE COMPANY

By:     /s/ Mario Rizzo
        ------------------------------
Name:   Mario Rizzo
Title:  Senior Vice President and Treasurer

Date:

<PAGE>

                   SCHEDULE A (Revised, Effective 6/30/2013)

                               RETENTION LIMITS

LIFE REINSURANCE

               Plan Types         Issue Ages Standard - Table 16
               ----------         ---------- -------------------
               Single Life Plans     0-69        $2,000,000
               Single Life Plans     70+         $2,000,000
               Joint Life Plans    All Ages      $2,000,000

WAIVER OF PREMIUM REINSURANCE

Maximum Amount Retained by Ceding Company: All Amounts Issued

ACCIDENTAL DEATH BENEFIT

Maximum Amount Retained by Ceding Company: Same as Life

AMOUNT CESSION

          (One signature from among your Senior Underwriting Staff)
           ---------------------------------------------------------
       Issue Age  Standard - Table 4 Table 5 - Table 6 Table 7 - Table 16
       ---------  ------------------ ----------------- ------------------
       18 - 75       $10,000,000        $10,000,000        $5,000,000
       76 - 80       $ 2,000,000        $ 2,000,000        $        0
       81 - 85       $ 2,000,000        $         0        $        0
         86+         $         0        $         0        $        0

          (Two signatures from among your Senior Underwriting Staff)
           ----------------------------------------------------------
       Issue Age  Standard - Table 4 Table 5 - Table 6 Table 7 - Table 16
       ---------  ------------------ ----------------- ------------------
       18 - 69       $45,000,000        $35,000,000       $20,000,000
       70 - 75       $30,000,000        $30,000,000       $15,000,000
       76 - 80       $20,000,000        $15,000,000       $10,000,000
       81 - 85       $ 5,000,000        $         0       $         0
         86+         $         0        $         0       $         0

               Jumbo

               Issue Ages  Standard - Table 4 Table 5 - Table 16
               ----------  ------------------ ------------------
                 0 - 75       $65,000,000        $65,000,000
                76 - 80       $40,000,000        $40,000,000
                81 - 85       $30,000,000        $         0
                  86+         $         0        $         0

<PAGE>

                   SCHEDULE B (Revised, Effective 7/1/2013)

                        LIFE INSURANCE; STANDARD RISKS

FOR ALL PRODUCTS OTHER THAN LEGACY SECURE SL:
---------------------------------------------

The YRT Rates are 70% of the 2001 Valuation Basic Table, ANB, Select and
Ultimate, Gender and Smoker Distinct for standard risks and are per $1,000 of
life benefit reinsured.

   Note:
    1. Rates will be attached at end of this Exhibit

FOR LEGACY SECURE SL ONLY:
--------------------------

The renewal premiums per $1,000 reinsured are 70% of the attached 2001 VBT ANB
Table for each issue age, prior to blending ("Frasierizing"). The YRT rates are
guaranteed for one year.

There is a minimum reinsurance premium of 15 cents per $1,000 reinsured in
renewal years applied after the blending of the rates.

   Calculation of Blended COI rates (Frasierizing)
   -----------------------------------------------

       The actuarial formula for last survivor mortality is:

<TABLE>
<C>     <S>
        t-1px* t-1py*qx+t-1*qy+t-1 + t-1py* (1 - t-1px) *qy+t-1 + t-1px* (1 - t-1py)*qx+t-1
tqxy =  ------------------------------------------------------------------------------------
                      (t-1px)(t-1py) + (t-1py)(1- t-1px) + (t-1px)(1 - t-1py)
</TABLE>

   The monthly COI rates for standard individuals are entered into tables in
   CK4, and blended to produce the COI rate for the last survivor mortality.
   The above formula is translated into COI calculations as follows:

   x = Primary insured (younger insured), defined by age, sex, and smoking class
   y = Joint insured (older insured), with same defining factors as the primary
   insured
   Rein Rate(x,t) - Reinsurance rate per 1000 for a single insured x, policy
   year t (taken from the attached 2001 VBT table)
   Rein Rate(y,t) - Reinsurance rate per 1000 for a single insured y, policy
   year t (taken from the attached 2001 VBT table)

   q(x,t) =
       [Rein Rate(x,t) * {(1 + % subst. per table)* # of tables subst. for x} +
       annual flat extra rating for x ] / 1000
          (This amount not to exceed 1)

   q(y,t) =
       [Rein Rate(y,t) * {(1 + % subst. Per table)* # of tables subst. for y} +
       annual flat extra rating for y] / 1000
          (This amount not to exceed 1)

   p(x,t) = 1-q(x,t)
   p(y,t) = 1-q(y,t)
   P(x,t) = 1 * p(x,1) * p(x,2) * p(x,3) * p(x,4) * ... p(x,t -1)
   P(y,t) = 1 * p(y,1) * p(y,2) * p(y,3) * p(y,4) * ... p(y,t -1)

<TABLE>
<C>        <S>
           P(x,t)*P(y,t)*q(x,t)*q(y,t) + P(y,t)*(1-P(x,t))*q(y,t) + P(x,t)*(1-P(y,t))*q(x,t)
p(xy,t) =  ----------------------------------------------------------------------------------
                         P(x,t)*P(y,t) + P(x,t)*(1-P(y,t)) + P(y,t)*(1-P(x,t))
</TABLE>

       Rein Rate(xy,t) = p(xy,t)*1000

<PAGE>

                   SCHEDULE B (Revised, Effective 7/1/2013)

                       LIFE INSURANCE; SUBSTANDARD RISKS

RATES FOR SUBSTANDARD TABLE RATINGS

   For substandard risks issued with a table rating, the standard rate will be
   multiplied by the Percent of Standard per assessed Table Rating as specified
   in the Table below.

                          Table Rating        % of Standard
                          ------------        -------------
                              1/A                  122%
                              2/B                  145%
                              3/C                  167%
                              4/D                  190%
                              5/E                  212%
                              6/F                  235%
                              7/G                  257%
                              8/H                  280%
                              9/I                  302%
                              10/J                 325%
                              12/L                 370%
                              16/P                 460%

FOR LEGACY SECURE SL ONLY:
--------------------------

                          Table Rating        % of Standard
                          ------------        -------------
                              1/A                  125%
                              2/B                  150%
                              3/C                  175%
                              4/D                  200%
                              5/E                  225%
                              6/F                  250%
                              7/G                  275%
                              8/H                  300%
                              9/I                  325%
                              10/J                 350%
                              12/L                 400%
                              16/P                 500%<PAGE>

                                                                  Exhibit 10.24

                  VOLUNTARY SEPARATION AGREEMENT AND RELEASE

In consideration of the mutual promises and agreements hereinafter set forth,
the receipt and sufficiency of which are hereby mutually acknowledged, Allstate
Insurance Company, its subsidiaries, parents and affiliates ("Allstate"), on
its own behalf and on behalf of its officers, directors, agents, servants,
employees, stockholders and assigns, and all other persons, firms, associations
and corporations jointly or severally liable with it, and ANURAG CHANDRA ("Mr.
Chandra") presently an employee of Allstate, do hereby enter into this
Voluntary Separation Agreement and Release ("Agreement") and do hereby mutually
covenant and agree as follows:

     1.  Effective as of the close of business on October 4, 2013, Mr. Chandra
         shall be reassigned from his current position. He will assume a
         special assignment position within Allstate, which position shall
         consist of new duties, obligations and responsibilities as dictated by
         special projects. Mr. Chandra's special assignment position shall
         continue thereafter, to and including March 31, 2014. As of the close
         of business on March 31, 2014, Mr. Chandra's employment with Allstate
         shall fully terminate. During the period of Mr. Chandra's special
         assignment, the following conditions will apply:

             (i)   Allstate will pay Mr. Chandra the amount of $39,783.33
                   (Thirty Nine Thousand Seven Hundred Eighty Three Dollars and
                   Thirty Three Cents) per month. During this time of
                   Mr. Chandra's special assignment position, Allstate shall
                   continue to provide Mr. Chandra with its usual and customary
                   401(k) plan match, pension plan contributions, and health
                   insurance contributions.

             (ii)  On or before March 31, 2014, Mr. Chandra will be paid for
                   any Paid Time Off days (commonly referred to as "PTO")
                   earned but not used prior to October 4, 2013. Mr. Chandra
                   will not be entitled to any further PTO in 2013 or 2014.

             (iii) Mr. Chandra shall be entitled to any unreimbursed business
                   expenses incurred prior to October 4, 2013.

             (iv)  Mr. Chandra shall not be eligible for any benefits under
                   Allstate's short term disability program, nor shall he be
                   eligible for any long term disability benefits as of
                   October 4, 2013.

             (v)   Mr. Chandra shall be entitled to no further compensation,
                   severance, salary, wage, bonus, (including any annual
                   incentive plan payment for the 2014 performance year),
                   equity or other grants, paid time off or other form of
                   remuneration or consideration as of March 31, 2014, except
                   as hereinafter set forth in paragraph 7 of this Agreement.

                                     - 1 -

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     2.  Nothing in this Agreement may be read to alter or amend any terms or
         conditions of Mr. Chandra's employment with Allstate other than those
         specified in this Agreement. All other employment policies continue in
         effect with regard to Mr. Chandra's employment.

     3.  By accepting payments under this Agreement, Mr. Chandra is waiving any
         entitlement he believes he has to benefits that may otherwise be
         available under the Allstate Severance Pay Plan and/or the Change of
         Control Severance Plan, if applicable.

     4.  After his employment with Allstate ceases as described in Paragraph 1
         of this Agreement, Mr. Chandra shall not seek employment at any time
         with any Allstate office, subsidiary or affiliate, nor shall
         Mr. Chandra accept work at any Allstate office, subsidiary or
         affiliate, nor shall Mr. Chandra purchase an Allstate agency.

     5.  Should Mr. Chandra die after the effective date of this agreement but
         on or before all payments have been made pursuant to this Agreement,
         such payments shall be paid to Mr. Chandra's estate as they become
         payable.

     6.  Any stock options awarded to Mr. Chandra and scheduled to vest shall
         vest subject to the terms of his respective Option Award Agreement(s).
         Any Allcorp restricted stock units awarded to Mr. Chandra and
         scheduled to unrestrict shall unrestrict subject to the terms of his
         respective Restricted Stock Unit Award Agreement(s). Any performance
         stock awards awarded to Mr. Chandra will be forfeited on March 31,
         2014.

     7.  In lieu of any cash bonus for which he may be eligible in accordance
         with the terms of Allstate's Annual Incentive Plan ("AIP") for the
         2013 performance year, Allstate shall pay Mr. Chandra an amount of
         $406,000 (Four Hundred Six Thousand and 00/100 Dollars), subject to
         federal, state, FICA, and other applicable tax deductions, on or about
         March 15, 2014. Such amount is in addition to the payment specified in
         paragraph 1 above.

     8.  Mr. Chandra has held a position of trust and confidence with Allstate
         and possesses and has had access to highly valuable, confidential
         and/or proprietary information ("Confidential Information"). This term
         shall be interpreted broadly to include all information of any sort
         (whether merely

                                     - 2 -

<PAGE>

         remembered or embodied in a tangible medium) that: (i) is related to
         Allstate's business; and (ii) is not generally or publicly known. It
         includes, without limitation, customer, employee and supplier
         information; sales, financial, business, and new product development
         plans; information about Allstate software, hardware and other
         technologies, trade secrets, financial results, strategies,
         copyrights, data files, and other proprietary information, regardless
         of media or form. Mr. Chandra agrees that such Confidential
         Information is the property of Allstate. Mr. Chandra shall return all
         company property and all copies (paper or electronic), including but
         not limited to, files, data studies, software, plans and equipment and
         whether or not containing Confidential Information, to Allstate on or
         before March 31, 2014. Mr. Chandra shall not (i) disclose, cause or
         permit disclosure of the Confidential Information nor (ii) make any
         use of the Confidential Information for himself or others except as
         required by law or approved in writing by Allstate and shall notify
         Allstate promptly should he become aware of any unauthorized
         disclosure of such information.

         In addition, Mr. Chandra acknowledges and confirms his ongoing
         obligation to promptly disclose to Allstate any ideas, inventions,
         discoveries, improvements, methods of doing business, processes,
         products, information, software, trademarks, or trade secrets that
         were conceived, developed or reduced to practice by Mr. Chandra,
         either solely or jointly with others, at any point during his Allstate
         employment, whether or not they are patentable, copyrightable or
         subject to trademark or trade secret protection ("Allstate
         Developments"). All Allstate Developments shall be the sole and
         exclusive property of Allstate, and Mr. Chandra agrees to assign and
         does hereby assign them to Allstate. Each copyrightable Allstate
         Development prepared in whole or part by Mr. Chandra with the scope of
         his employment with Allstate shall either be deemed a "work made for
         hire" under the copyright laws, and Allstate shall own the entire
         copyright in each such copyrightable Allstate Development or, if not
         deemed a "work made for hire," he agrees to assign and does hereby
         assign such Allstate Developments to Allstate. At Allstate's expense,
         Mr. Chandra will cooperate fully with Allstate in patenting,
         registering, maintaining, enforcing, and defending such Allstate
         Developments. Allstate shall own any records made by Mr. Chandra
         relating to Allstate Developments or the creation thereof.

         The parties to this Agreement recognize that irreparable harm would
         result from any breach by Mr. Chandra of any of the covenants
         contained herein this Paragraph 8 and that monetary damages alone
         would not provide adequate relief for any such breach. Accordingly, in
         the event of a breach or threatened breach of any of the covenants
         contained in this Paragraph 8, Mr. Chandra acknowledges and agrees
         that Allstate shall be entitled to specific performance and/or
         injunctive or other equitable relief from a court of competent
         jurisdiction in order to enforce or prevent any violations of such
         covenants (without posting a bond or other security). Moreover,
         Mr. Chandra

                                     - 3 -

<PAGE>

         acknowledges and agrees that any award of injunctive relief shall not
         preclude Allstate from seeking or recovering any lawful compensatory
         damages which may have resulted from a breach of any of the covenants
         contained in Paragraph 8. Furthermore, Allstate may take any action at
         its discretion to protect its confidential information including the
         discontinuation of any and all payments still due and owing under this
         Agreement.

     9.  Allstate shall provide Mr. Chandra, at his request, with professional
         outplacement assistance at an outplacement firm selected by Allstate.
         Regardless of when Mr. Chandra begins using such assistance, such
         assistance shall not last longer than six months and shall end no
         later than March 31, 2015.

     10. Allstate shall provide employment references in accordance with
         Allstate policy governing same, provided that Mr. Chandra directs all
         requests for such references to Harriet Harty, Senior Vice President,
         Human Resources at Allstate's Home Office.

     11. In return for the consideration set forth in this Agreement, which
         Mr. Chandra would not be entitled to if he did not voluntarily enter
         into this Agreement, Mr. Chandra for himself, his heirs,
         representatives, administrators, and assigns does hereby release and
         forever discharge Allstate, its officers, directors, agents, servants,
         employees, stockholders and assigns, its subsidiaries, parents and
         affiliates, and all other persons, firms, associations and
         corporations who are or may be jointly or severally liable with it, of
         and from any and all claims, demands, actions and causes of action,
         whether presently known or unknown, arising from, or in any way
         related to, Mr. Chandra's employment with Allstate and the termination
         thereof. This release applies to all claims, demands, actions, and
         causes of action whether presently known or unknown, existing at the
         time this Agreement is executed, including, but not limited to, such
         rights and claims Mr. Chandra has or may have under the Fair Labor
         Standards Act, 29 U.S.C. (S) 201, et seq.; Title VII of the Civil
         Rights Act of 1964, 42 U.S.C. (S) 2000 (e), et seq.; the Civil Rights
         Act of 1866, 42 U.S.C. (S) 1981, et seq., the Americans with
         Disabilities Act, 42 U.S.C. (S) 1201, et seq., the National Labor
         Relations Act, 29 U.S.C. (S)151, et seq.; the Family Medical Leave
         Act, 29 U.S.C. (S)2601 et seq.; the Rehabilitation Act of 1973, 29
         U.S.C. (S)701 et seq.; Federal Executive Order 11246; the Employee
         Retirement Income Security Act of 1974, 29 U.S.C. (S)201 et seq.; the
         Rehabilitation Act, 29 U.S.C. (S)701 et seq.; the Pregnancy
         Discrimination Act, 42 U.S.C. (S)2000 et seq.; the Whistleblower
         Protection Statutes, 10 U.S.C. (S)2409, 12 U.S.C. (S)1831j, 31 U.S.C.
         (S)5328, 41 U.S.C. (S)265; the Illinois Wage Payment and Collection
         Act; the Illinois Human Rights Act; and/or any other similar federal,
         state or local statute, law, ordinance, regulation or order.

                                     - 4 -

<PAGE>

     12. In addition to the foregoing, Mr. Chandra does hereby expressly waive
         any and all rights or claims which he has or may have under the Age
         Discrimination in Employment Act of 1967 (29 U.S.C. (S)(S) 621-634) or
         any similar law or rule of any other jurisdiction, to the full extent
         that she may waive such rights and claims pertaining to the matters
         released herein. The Age Discrimination in Employment Act of 1967
         provides, in pertinent part, as follows:

                   It shall be unlawful for an employer--

                   (1) to fail or refuse to hire or to discharge any individual
                   or otherwise discriminate against any individual with
                   respect to his compensation, terms, conditions, or
                   privileges of employment, because of such individual's age;

                   (2) to limit, segregate, or classify his employees in any
                   way which would deprive or tend to deprive any individual of
                   employment opportunities or otherwise adversely affect his
                   status as an employee, because of such individual's age; or

                   (3) to reduce the wage rate of any employee in order to
                   comply with this chapter.

         29 U.S.C. (S) 623(a).

     13. Further, Mr. Chandra releases and forever discharges, Allstate from
         any and all other demands, claims, causes of action, obligations,
         agreements, promises, representations, damages, suits and liabilities
         whatsoever, both known or unknown, in law or in equity up to the date
         that this Agreement is executed. Mr. Chandra further promises, agrees
         and covenants not to file any lawsuit, of any nature whatsoever
         against Allstate with any federal, state or local court with regard to
         any claim or cause of action which he has or may have had, known or
         unknown, arising prior to the date of this Agreement, that is subject
         to Mr. Chandra's release of claims.

         Allstate releases and forever discharges Mr. Chandra from any and all
         demands, claims, causes of actions, obligations, agreements, promises,
         representations, damages, suits and liabilities whatsoever, both known
         or unknown, in law or in equity, up to the date that this Agreement is
         executed. Allstate further promises, agrees and covenants not to file
         any lawsuit, of any nature whatsoever against Mr. Chandra with any
         federal, state or local court with regard to any claim or cause of
         action which it has or may have had, known or unknown, arising prior
         to the date of this Agreement that is subject

                                     - 5 -

<PAGE>

         to Allstate's release of claims. However, nothing contained in this
         paragraph or in this Agreement shall release any claims that Allstate
         may have against Mr. Chandra as a result of Mr. Chandra's (i) willful
         misconduct, (ii) material breach of fiduciary duty, or (iii) felonious
         act.

     14. The parties agree that Mr. Chandra will not encourage or assist any
         employee of Allstate and/or other person(s) or entity(ies) in
         litigating claims or filing administrative charges against Allstate,
         and/or those released in this Agreement unless required to provide
         testimony or documents pursuant to a lawful subpoena or as otherwise
         required by law.

     15. Mr. Chandra further understands that Allstate reserves the right to
         set off the sums paid to him by Allstate as consideration for this
         Agreement against any recovery received by Mr. Chandra in the event he
         pursues any action, proceeding, complaint, or charge, as proscribed in
         Paragraphs 11-13. However, nothing in this Agreement shall be
         interpreted as interfering with the protected right of an employee to
         file a charge with the U.S. Equal Employment Opportunity Commission
         ("EEOC") or participate in an investigation or proceeding conducted by
         the EEOC. Mr. Chandra is, however, waiving the right to recover any
         money in connection with such a charge or investigation. In addition,
         nothing contained in this paragraph shall prevent Mr. Chandra from
         enforcing the terms of this Agreement.

     16. Mr. Chandra covenants and agrees to provide written notice of any
         subpoena, notice or command to Susie Lees, or her successor as General
         Counsel, at Allstate Insurance Company, 2775 Sanders Road, Suite F-7,
         Northbrook, IL 60062. Mr. Chandra shall provide said notice by
         overnight mail, return receipt requested, within three (3) calendar
         days of his receipt of the subpoena, notice, request for information
         or other command.

     17. Mr. Chandra agrees to make himself available to and cooperate with
         Allstate in any Allstate internal investigation or administrative,
         regulatory, or judicial proceeding in which he is or may be witness.
         Such cooperation by Mr. Chandra is understood to include, but not be
         limited to, making himself available to Allstate upon reasonable
         notice for interviews and factual investigations, appearing at
         Allstate's request for the purpose of giving testimony without
         requiring service of a subpoena or other legal process, volunteering
         to Allstate pertinent information, and turning over to Allstate all
         relevant documents which are or may in the future come into
         Mr. Chandra's possession. In the event that Allstate asks for
         Mr. Chandra's cooperation in accordance with this paragraph, Allstate
         agrees to reimburse Mr. Chandra for reasonable travel expenses,
         including lodging and meals, upon submission of receipts to Allstate
         for such expenses.

                                     - 6 -

<PAGE>

     18. Allstate agrees that if Mr. Chandra is made a party, or is threatened
         to be made a party, to any action, suit or proceeding, whether civil,
         criminal, administrative or investigative (a "Proceeding"), by reason
         of the fact that he is or was a director, officer or employee of
         Allstate or is or was serving at the request of Allstate as a director
         or officer of another corporation, partnership, joint venture, trust
         or other enterprise, including service with respect to employee
         benefit plans, whether or not the basis of such Proceeding is
         Mr. Chandra's alleged action in an official capacity while serving as
         a director, officer, member, employee or agent, Mr. Chandra shall be
         indemnified by Allstate to the fullest extent legally permitted or
         authorized by Allstate's bylaws in effect as of the date of the
         termination of Mr. Chandra's employment against all expense and
         liability (including, without limitation, attorney's fees, judgments,
         fines, ERISA excise taxes or penalties and amounts paid or to be paid
         in settlement) reasonably incurred or suffered by Mr. Chandra in
         connection therewith, and such indemnification shall continue as to
         Mr. Chandra even if he has ceased to be a director, member, employee
         or agent of Allstate or other entity and shall inure to the benefit of
         his heirs, executors and administrators. Allstate shall advance to
         Mr. Chandra all reasonable expenses incurred by him in conjunction
         with a Proceeding in accordance with the procedure provided for in
         Allstate's by-laws. Such request shall include an undertaking by
         Mr. Chandra to repay the amount of such advance if it shall ultimately
         be determined that he is not entitled to be indemnified against such
         costs and expenses.

     19. Mr. Chandra agrees that for a period of twelve (12) months following
         the date of Mr. Chandra's termination from Allstate, Mr. Chandra will
         not, directly or indirectly: (i) encourage any employee or agent of
         Allstate to terminate his or her relationship with Allstate;
         (ii) employ, engage as a consultant or adviser, or solicit the
         employment or engagement as a consultant or adviser of any employee or
         agent of Allstate, or cause or encourage any person to do any of the
         foregoing. However, this subparagraph (ii) shall not apply to any
         individual who (a) was involuntarily terminated by Allstate,
         (b) voluntarily left the employ of Allstate, in the absence of any
         solicitation to do so by Mr. Chandra, at least 60 days prior to such
         employment by Mr. Chandra, or (c) is employed by a company that
         employs Mr. Chandra but which Mr. Chandra had no involvement in such
         employment; (iii) establish, or take preliminary steps to establish, a
         business with, or encourage others to establish, or take preliminary
         steps to establish, a business with, any employee or exclusive agent
         or independent contractor of Allstate; or (iv) interfere with the
         relationship of Allstate with, or endeavor to entice away

                                     - 7 -

<PAGE>

         from Allstate, any person who or which at any time since Mr. Chandra's
         hire date was or is a material customer or material supplier of, or
         maintained a material business relationship with, Allstate. For
         purposes of this subparagraph, "material" means greater than $1
         million dollars annually.

     20. Mr. Chandra agrees that for a period of six (6) months from
         October 17, 2013, he will not, except as a passive investor in
         publicly held companies, engage in, own or control an interest in, act
         as a principal, director, officer or employee of, or serve as a
         consultant to any of the companies listed in Attachment A to this
         Agreement. In the event that Allstate learns of a breach by
         Mr. Chandra of this paragraph after Allstate has made payment under
         paragraph 1 and 7 of this Agreement, it has the right to recoup from
         Mr. Chandra any such payments.

     21. The existence and terms of this Agreement are to be held in strict
         confidence by Mr. Chandra and any discussion of this Agreement shall
         be limited to those parties absolutely essential for accounting
         purposes, tax purposes, securing of employment, government benefits,
         loans, or in any other case where it is absolutely essential or
         required by law. In those circumstances, those parties to whom such
         communication is made will be put on notice of the confidentiality of
         the Agreement.

     22. Allstate and Mr. Chandra agree that Mr. Chandra may revoke this
         Agreement if, within seven (7) calendar days from the date this
         Agreement is executed, Mr. Chandra provides written notice to Harriet
         Harty, Human Resources, 2775 Sanders Road, Suite F6, Northbrook, IL
         60062 of his intention to revoke the Agreement. Accordingly, this
         Agreement shall not become effective or enforceable until
         seven (7) calendar days have passed after its execution.

     23. Mr. Chandra and Allstate further warrant and acknowledge that
         Mr. Chandra was given 21 calendar days, from the date this Agreement
         was presented to him, in which to consider this Agreement prior to its
         execution. It is further acknowledged that Mr. Chandra was advised in
         writing to consult with an attorney prior to executing this Agreement.
         Mr. Chandra and Allstate further warrant and acknowledge that they
         have each read, reviewed, and fully considered the terms of this
         Agreement, have made such investigation of the facts pertinent hereto
         as each deems necessary and appropriate, and fully understand the
         terms and effect of this Agreement and execute the same freely of
         their own accord. Mr. Chandra and Allstate hereby acknowledge that the
         terms of

                                     - 8 -

<PAGE>

         this Agreement are contractual, and not a mere recital, and are the
         result of mutual consent to, and understanding of, the terms of this
         Agreement. This Agreement contains the entire agreement between the
         parties, and each acknowledges that there are no other agreements or
         understandings between them except as expressly provided for herein.
         This Agreement is to be governed by the law of the State of llinois.

     24. At no time shall Mr. Chandra make any remarks disparaging the conduct
         or character of Allstate, or any of its respective subsidiaries,
         affiliates, agents, attorneys, managers, employees, officers,
         directors, successors, or assigns. Mr. Chandra agrees and promises
         that he will not defame, criticize or make any negative remark,
         written or oral, to any person or entity relating to Allstate, his
         employment with Allstate, or his termination of employment from
         Allstate. Mr. Chandra further agrees that should he violate this
         provision, Allstate shall have the right to pursue any and all
         remedies which may be available to it, whether legal, equitable or
         otherwise. Mr. Chandra further acknowledges that Allstate's right to
         recover any remedy under this provision does not preclude Allstate
         from exercising any and all remedies available to it for any violation
         or breach of any other term, condition or provision of this Agreement.

         No member of the Allstate Nondisparagement Group, defined as (i) all
         Allstate corporate entities and (ii) all employees of Allstate
         Insurance Company who are members of Allstate's Senior Leadership Team
         and Allstate Financial's Senior Leadership Team, shall make any
         remarks disparaging the conduct or character of Mr. Chandra. All
         members of the Allstate Nondisparagement Group agree and promise that
         they will not defame, criticize or make any negative remark, written
         or oral, to any person or entity relating to Mr. Chandra, his
         employment with Allstate, or his termination of employment from
         Allstate. All members of the Allstate Nondisparagement Group further
         agree that should they violate this provision, Mr. Chandra shall have
         the right to pursue any and all remedies which may be available to
         him, whether legal, equitable or otherwise. All members of the
         Allstate Nondisparagement Group further acknowledge that Mr. Chandra's
         right to recover any remedy under this provision does not preclude him
         from exercising any and all remedies available to him for any
         violation or breach of any other term, condition or provision of this
         Agreement.

     25. Except as provided below with regards to Paragraphs 11-15, Mr. Chandra
         and Allstate agree and understand that should any provision, term or
         condition of this Agreement be declared illegal, void or
         unenforceable, it shall be severed. The remaining terms, provisions
         and conditions shall remain in full force and effect and shall remain
         binding on Mr. Chandra and Allstate. If any of the Paragraphs 11-15
         are declared illegal, void or unenforceable because of any

                                     - 9 -

<PAGE>

         action undertaken by Mr. Chandra, the remaining terms, provisions and
         conditions shall remain in full force and effect and shall remain
         binding on Mr. Chandra and Allstate with the exception that
         Mr. Chandra shall be required to return to Allstate all benefits paid
         to him under this Agreement from the date that this Agreement was
         executed.

     26. Mr. Chandra and Allstate hereby agree and understand that this
         Agreement contains the complete and entire agreement between
         Mr. Chandra and Allstate concerning the terms, provisions and
         conditions of this Agreement. Mr. Chandra and Allstate further agree
         and understand that the terms, provisions and conditions of this
         Agreement may not be altered or modified except by a subsequent
         writing signed by Mr. Chandra and a duly authorized agent of Allstate.

     27. This Agreement shall be binding upon and inure to the benefit of the
         parties to this Agreement and their respective heirs, administrators,
         representatives, executors, successors and assigns

     I HAVE READ THIS VOLUNTARY SEPARATION AGREEMENT AND RELEASE AND,
UNDERSTANDING ALL OF ITS TERMS, I SIGN IT AS MY FREE ACT AND DEED.

     IN WITNESS WHEREOF, the parties hereto have approved and executed this
Agreement on this 17 day of October, 2013.

                                             /s/ Anurag Chandra
                                             -----------------------------------
                                                       ANURAG CHANDRA

                                                      October 17, 2013
                                             -----------------------------------
                                                            Date

                                             ALLSTATE INSURANCE COMPANY

                                             By:  /s/ Harriet K. Harty
                                                  -----------------------------

                                    - 10 -

<PAGE>

                                 ATTACHMENT A

American Family
Farmers
GEICO
Nationwide
Progressive
State Farm
Travelers
USAA

                                    - 11 -

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