Document:

Exhibit

ALLSTATE LIFE 
INSURANCE COMPANY 
A Stock Company
Home Office: Allstate Plaza, Northbrook, Illinois 60062-7154
FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
This Contract is issued to the owner in consideration of the initial purchase payment. Allstate Life Insurance Company will pay the benefits of this Contract, subject to its terms and conditions.
Throughout this Contract, "you" and "your" refer to the Contract owner(s). "We", "us" and "our" refer to Allstate Life Insurance Company.
CONTRACT SUMMARY 
 This flexible premium deferred variable annuity provides a cash withdrawal benefit and a death benefit during the Accumulation Phase and periodic income payments beginning on the Payout Start Date during the Payout Phase.
THE DOLLAR AMOUNT OF INCOME PAYMENTS OR OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, WILL VARY TO REFLECT THE PERFORMANCE OF THE VARIABLE ACCOUNT AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.
This Contract does not pay dividends.
The tax status of this Contract as it applies to the owner should be reviewed each year.
PLEASE READ YOUR CONTRACT CAREFULLY.
THIS IS A LEGAL CONTRACT BETWEEN THE CONTRACT OWNER AND ALLSTATE LIFE INSURANCE COMPANY.
RETURN PRIVILEGE 
 IF YOU ARE NOT SATISFIED WITH THIS CONTRACT FOR ANY REASON, YOU MAY RETURN IT TO US OR OUR AGENT WITHIN 20 DAYS AFTER YOU RECEIVE IT. WE WILL REFUND ANY PURCHASE PAYMENTS ALLOCATED TO THE VARIABLE ACCOUNT, ADJUSTED TO REFLECT INVESTMENT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION, PLUS ANY PURCHASE PAYMENTS ALLOCATED TO THE FIXED ACCOUNT OPTIONS. (WHERE REQUIRED BY STATE LAW, WE WILL REFUND ANY PURCHASE PAYMENTS.) IF THIS CONTRACT IS QUALIFIED UNDER SECTION 408 OF THE INTERNAL REVENUE CODE, WE WILL REFUND THE GREATER OF ANY PURCHASE PAYMENTS OR THE CONTRACT VALUE.
If you have any questions about your Allstate Life variable annuity, please contact Allstate Life at (800) 390-1277.

Secretary Chairman and Chief Executive Officer
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 TABLE OF CONTENTS 
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THE PERSONS INVOLVED.......................................................  3 
 
ACCUMULATION PHASE.........................................................  3 
 
PAYOUT PHASE............................................................... 10 
 
INCOME PAYMENT TABLES...................................................... 12 
 
GENERAL PROVISIONS......................................................... 13

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THE PERSONS INVOLVED

OWNER The person named at the time of application is the Owner of this Contract unless subsequently changed. As Owner, you will receive any periodic income payments, unless you have directed us to pay them to someone else.
You may exercise all rights stated in this Contract, subject to the rights of any irrevocable Beneficiary.
You may change the Owner or Beneficiary at any time. You may name a new Annuitant only upon the death of the current Annuitant. You may restrict income payments to Beneficiaries. Once we have received a satisfactory written request for a change of Owner or Beneficiary, or restricted payments to any Beneficiary, the change will take effect as of the date you signed it. We are not liable for any payment we make or other action we take before receiving any written request for a change from you. You may not assign an interest in this Contract as collateral or security for a loan.
If the sole surviving Owner dies prior to the Payout Start Date, the Beneficiary becomes the new Owner. If the sole surviving Owner dies after the Payout Start Date, the Beneficiary becomes the new Owner and will receive any subsequent guaranteed income payments.
If more than one person is designated as Owner:
1. Owner as used in this Contract refers to all persons named as Owners, unless otherwise indicated;
2. any request to exercise ownership rights must be signed by all Owners; and
3. on the death of any person who is an Owner, the surviving person(s) named as Owner will continue as Owner.
ANNUITANT The Annuitant is the person named on the Annuity Data Page. The Annuitant must be a living individual.
BENEFICIARY The Beneficiary is the person(s) named on the Annuity Data Page, but may be changed by the Owner, as described above. We will determine the Beneficiary from the most recent written request we have received from you. If you do not name a Beneficiary or if the Beneficiary named is no longer living, the Beneficiary will be:
1. your spouse if living; otherwise
2. your children equally if living; otherwise
3. your estate.
The Beneficiary may become the Owner under the circumstances described in the Owner provision above.

ACCUMULATION PHASE

ACCUMULATION PHASE DEFINED The "Accumulation Phase" is the first of two phases during your Contract. The Accumulation Phase begins on the issue date of the Contract stated on the Annuity Data Page. This phase will continue until the Payout Start Date unless the Contract is terminated before that date.
CONTRACT YEAR "Contract Year" is the one year period beginning on the issue date of the Contract and on each anniversary of the issue date.
INVESTMENT ALTERNATIVES The "Investment Alternatives" are the subaccounts of the Variable Account and the Fixed Account Options. We reserve the right to
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limit the availability of the Investment Alternatives for new investments.
PURCHASE PAYMENTS The initial payment is shown on the Annuity Data Page. You may make subsequent purchase payments during the Accumulation Phase. We may limit the amount of each purchase payment that we will accept to a minimum of $500 and a maximum of $1,000,000.
We will invest the purchase payments in the Investment Alternatives you select. You may allocate any portion of your purchase payment in whole percents from 0% to 100% or in exact dollar amounts to any of the Investment Alternatives. The total allocation must equal 100%.
The allocation of the initial purchase payment is shown on the Annuity Data Page. Allocation of each subsequent purchase payment will be the same as the allocation for the most recent purchase payment unless you change the allocation. You may change the allocation of subsequent purchase payments at any time, without charge, simply by giving us written notice. Any change will be effective at the time we receive the notice.
VARIABLE ACCOUNT The "Variable Account" for this Contract is the Allstate Life Insurance Company Separate Account A. This account is a separate investment account to which we allocate assets contributed under this and certain other contracts. These assets will not be charged with liabilities arising from any other business we may have.
VARIABLE SUBACCOUNTS The Variable Account is divided into subaccounts. Each subaccount invests solely in the shares of the mutual fund underlying that subaccount.
FIXED ACCOUNT OPTIONS The Fixed Account Option is the Standard Fixed Account.
STANDARD FIXED ACCOUNT Money in the Standard Fixed Account will earn interest at the current rate in effect at the time of allocation or transfer to the Standard Fixed Account for the guarantee period. We will offer a one year guarantee period. Other guarantee periods will be offered at our discretion. Subsequent renewal dates will be on anniversaries of the first renewal date. After the initial guarantee period, a renewal rate will be declared.
CREDITING INTEREST We credit interest daily to money allocated to the Fixed Account Option at a rate which compounds over one year to the interest rate we guaranteed when the money was allocated. We will credit interest to the initial purchase payment allocated to the Fixed Account Option from the issue date. We will credit interest to subsequent purchase payments allocated to the Fixed Account Option from the date we receive them at a rate declared by us. We will credit interest to transfers to the Standard Fixed Account from the date the transfer is made. The interest rate for the Fixed Account Option will never be less than the minimum guaranteed rate shown on the Annuity Data Page.
TRANSFERS Prior to the Payout Start Date, you may transfer amounts among Investment Alternatives. You may make 12 transfers per Contract Year without charge. Each transfer after the 12th transfer in any Contract Year may be assessed a transfer fee of .50% of the amount transferred. Transfers are subject to the following restrictions:
1. The maximum amount transferable from the Standard Fixed Account during any Contract Year is the greater of 30% of the Standard Fixed Account balance as of the last Contract Anniversary or the greatest of any prior transfer from the Standard Fixed Account. This limitation does not apply to dollar cost averaging. However, if any interest rate is renewed at a rate at least one percentage point less than the previous rate, the Contract Owner may elect to transfer up to 100% of the Funds receiving that reduced rate within 60 days of the notification of the interest rate decrease. The Company reserves the right to defer transfers from the Standard Fixed Account for up to six months from the date of request.
2. The minimum amount that may be transferred from the Standard Fixed Account or a Subaccount of the Variable Account is $100; if the total amount remaining in the Standard Fixed Account or the Subaccount of the Variable Account after a transfer would be less than $100, the entire amount may also be transferred.
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3. We reserve the right to limit the number of transfers in any Contract Year or to refuse any transfer request for an Owner or certain Owners if, in our sole discretion, we believe that:
a. excessive trading by such Owner or Owners or a specific transfer request or group of transfer requests may have a detrimental effect on Unit Values or the share prices of the underlying mutual funds or would be to the disadvantage of other Contract Owners; or
b. we are informed by one or more of the underlying mutual funds that the purchase or redemption of shares is to be restricted because of excessive trading or a specific transfer or group of transfers is deemed to have a detrimental effect on share prices of affected underlying mutual funds.
Such restrictions may be applied in any manner which is reasonably designed to prevent any use of the transfer right which is considered by us to be to the disadvantage of the other Contract Owners.
We reserve the right to waive the transfer restrictions contained in this Contract.
CONTRACT VALUE On the issue date of the Contract, the "Contract Value" is equal to the initial purchase payment. After the issue date, the "Contract Value" is equal to the sum of:
1. the number of Accumulation Units you hold in each subaccount of the Variable Account multiplied by the Accumulation Unit Value for that subaccount on the most recent Valuation Date; plus
2. the total value you have in the Fixed Account Option.
If you withdraw the entire Contract Value, you may receive an amount less than the Contract Value because a Withdrawal Charge, income tax withholding, and a premium tax charge may apply.
VALUATION PERIOD AND VALUATION DATE A "Valuation Period" is the time interval between the closing of the New York Stock Exchange on consecutive Valuation Dates. A "Valuation Date" is any date the New York Stock Exchange is open for trading.
ACCUMULATION UNITS AND ACCUMULATION UNIT VALUE Amounts which you allocate to a subaccount of the Variable Account are used to purchase Accumulation Units in that subaccount. The Accumulation Unit Value for each subaccount at the end of any Valuation Period is calculated by multiplying the Accumulation Unit Value at the end of the immediately preceding Valuation Period by the subaccount's Net Investment Factor for the Valuation Period. The Accumulation Unit Values may go up or down. Additions or transfers to a subaccount of the Variable Account will increase the number of Accumulation Units for that subaccount. Withdrawals or transfers from a subaccount of the Variable Account will decrease the number of Accumulation Units for that subaccount.
NET INVESTMENT FACTOR For each Variable Subaccount, the "Net Investment Factor" for a Valuation Period is equal to:
1. The sum of:
a. the net asset value per share of the mutual fund underlying the subaccount determined at the end of the current Valuation Period, plus
b. the per share amount of any dividend or capital gain distributions made by the mutual fund underlying the subaccount during the current Valuation Period.
2. Divided by the net asset value per share of the mutual fund underlying the subaccount determined as of the end of the immediately preceding Valuation Period.
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3. The result is reduced by the Mortality and Expense Risk Charge corresponding to the portion of the current calendar year that is in the current Valuation Period.
CHARGES The charges for this Contract include Mortality and Expense Risk Charges, transfer charges, and any applicable taxes. If a withdrawal is made, the Contract may also be subject to a Withdrawal Charge.
MORTALITY AND EXPENSE RISK CHARGE The annualized Mortality and Expense Risk Charge will never be greater than 1.65%. (See Net Investment Factor for a description of how this charge is applied.)
Our actual mortality and expense experience will not adversely affect the dollar amount of variable benefits or other contractual payments or values under this Contract.
TAXES Any premium tax relating to this Contract may be deducted from purchase payments or the Contract Value when the tax is incurred or at a later time.
WITHDRAWAL You have the right to withdraw part or all of your Contract Value at any time during the Accumulation Phase. A withdrawal must be at least $50. If any withdrawal reduces the Contract Value to less than $1,000, we will treat the request as a withdrawal of the entire Contract Value. If you withdraw the entire Contract Value, the Contract will terminate.
You must specify the Investment Alternative(s) from which you wish to make a withdrawal. When you make a withdrawal, your Contract Value will be reduced by the amount paid to you and any applicable Withdrawal Charge and/or taxes. Any Withdrawal Charge will be waived on withdrawals taken to satisfy IRS minimum distribution rules. This waiver is permitted only for withdrawals which satisfy distributions resulting from this Contract.
WITHDRAWAL CHARGE Withdrawals will be subject to a Withdrawal Charge as follows:
Payment Year: 1 2 3 and Later
Percentage: 2% 1% 0%
To determine the Withdrawal Charge, we assume that purchase payments are withdrawn first, beginning with the oldest payment. When all purchase payments have been withdrawn, additional withdrawals will not be assessed a Withdrawal Charge.
For each purchase payment withdrawal, the "Payment Year" in the table is measured from the date we received the purchase payment. The Withdrawal Charge is determined by multiplying the percentage corresponding to the Payment Year times each purchase payment withdrawal.
DEATH OF OWNER If you die prior to the Payout Start Date, the new Owner will be the surviving Owner. If there is no surviving Owner, the new Owner will be the Beneficiary(ies). The new Owner will have the options described below.
1. IF THE SOLE NEW OWNER IS YOUR SPOUSE:
a. Your spouse may elect, within 180 days of the date of your death, to receive the Death Benefit described below in a lump sum.
b. Your spouse may elect, within 180 days of the date of your death, to receive an amount equal to the Death Benefit paid out under one of the Income Plans described in the Payout Phase section. The Payout Start Date must be within one year of your date of death. Income Payments must be:
i. over the life of your spouse; or
ii. for a guaranteed number of payments from 5 to 30 years but not to exceed the life expectancy of your spouse; or
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iii. Over the life of your spouse with a guaranteed number of payments from 5 to 30 years but not to exceed the life expectancy of your spouse.
c. If your spouse does not elect one of the options above, then your spouse may continue the Contract in the Accumulation Phase as if the death had not occurred. If the Contract is continued in the Accumulation Phase, the following conditions apply:
i. On the day the Contract is continued, the Contract Value will be the Death Benefit as determined at the end of the Valuation Period during which we received due proof of death.
ii. The surviving spouse may make a single withdrawal of any amount within one year of the date of death without incurring a Withdrawal Charge.
iii. Prior to the Payout Start Date, the Death Benefit of the continued Contract will be the greater of:
1) the sum of all purchase payments less any withdrawals, as defined in the Death Benefit provision; or
2) the Contract Value on the date we determine the Death Benefit; or
3) the Maximum Anniversary Value, as defined in the Death Benefit provision, with the following changes:
A. "Date of Issue" is replaced by the date the Contract is continued; and
B. "Initial purchase payment" is replaced with the Death Benefit as determined at the end of the Valuation Period during which we received due proof of death.
2. IF THE NEW OWNER IS NOT YOUR SPOUSE BUT IS A NATURAL PERSON, THEN THIS NEW OWNER HAS THE FOLLOWING OPTIONS:
a. The new Owner may elect, within 180 days of the date of your death, to receive the Death Benefit described below in a lump sum.
b. The new Owner may elect, within 180 days of the date of your death, to receive an amount equal to the Death Benefit paid out under one of the Income Plans described in the Payout Phase section. The Payout Start Date must be within one year of your date of death. Income Payments must be:
i. over the life of the new Owner; or
ii. for a guaranteed number of payments from 5 to 30 years but not to exceed the life expectancy of the new Owner; or
iii. Over the life of the new Owner with a guaranteed number of payments from 5 to 30 years but not to exceed the life expectancy of the new Owner.
c. The new Owner may elect to receive the Settlement Value payable in a lump sum within 5 years of your date of death. The new Owner may make a single withdrawal of any amount within one year of the date of death without incurring a Withdrawal Charge.
3. IF THE NEW OWNER IS A CORPORATION OR OTHER NON-NATURAL PERSON:
a. The non-natural Owner may elect, within 180 days of your death, to receive the Death Benefit in a lump sum.
b. The non-natural Owner may elect to receive the Settlement Value payable in a lump sum within 5 years of your date of death.
If any new Owner is a non-natural person, all new Owners will be considered to be non-natural persons for the above purposes.
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If the new Owner who is not your spouse does not make one of the above described elections, the Settlement Value must be withdrawn by the new Owner on or before the mandatory distribution date 5 years after your date of death. Under any of these options, all ownership rights are available to the new Owner from the date of your death to the date on which the Death Benefit or Settlement Value is paid. We reserve the right to extend beyond 180 days the period when we will pay the Death Benefit.
DEATH OF ANNUITANT If the Annuitant who is not also the Owner dies prior to the Payout Start Date, the Owner must elect an applicable option listed below. If the option selected is 1(a) or 1(b)(ii) below, the new Annuitant will be the youngest Owner, unless the Owner names a different Annuitant.
1. IF THE OWNER IS A NATURAL PERSON:
a. The Owner may choose to continue this Contract as if the death had not occurred; or
b. If we receive due proof of death within 180 days of the date of the Annuitant's death, then the Owner may alternatively choose to:
i. Receive the Death Benefit in a lump sum; or
ii. Apply the Death Benefit to an Income Plan which must begin within one year of the date of death.
2. IF THE OWNER IS A NON-NATURAL PERSON:
a. The non-natural Owner may elect, within 180 days of the Annuitant's date of death, to receive the Death Benefit in a lump sum; or
b. The non-natural Owner may elect to receive the Settlement Value payable in a lump sum within 5 years of the Annuitant's date of death.
If the non-natural Owner does not make one of the above described elections, the Settlement Value must be withdrawn by the non-natural Owner on or before the mandatory distribution date 5 years after the Annuitant's death.
Under any of these options, all ownership rights are available to the Owner from the date of the Annuitant's death to the date on which the Death Benefit or Settlement Value is paid. We reserve the right to extend beyond 180 days the period when we will pay the Death Benefit.
DEATH BENEFIT Except as defined in the Death of Owner provision, when the surviving spouse continues the Contract, prior to the Payout Start Date, the Death Benefit is equal to the greatest of the following Death Benefit alternatives:
1. the sum of all purchase payments less any withdrawals; or
2. the Contract Value on the date we determine the Death Benefit; or
3. the Maximum Anniversary Value.
a. On the date of issue, the Maximum Anniversary Value is equal to the initial purchase payment.
b. After issue, the Maximum Anniversary Value is recalculated when a purchase payment or withdrawal is made or on a contract anniversary as follows:
i. For purchase payments, the Maximum Anniversary Value is equal to the most recently calculated Maximum Anniversary Value plus the purchase payment.
ii. For withdrawals, the Maximum Anniversary Value is equal to the most recently calculated Maximum Anniversary Value reduced by a withdrawal adjustment, as defined below.
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iii. On each contract anniversary, the Maximum Anniversary Value is equal to the greater of the Contract Value or the most recently calculated Maximum Anniversary Value.
In the absence of any withdrawals or purchase payments, the Maximum Anniversary Value will be the greatest of all anniversary Contract Values on or prior to the date we calculate the Death Benefit. The Maximum Anniversary Value will be recalculated until the first Contract anniversary after the 80th birthday of the oldest Owner or, if no Owner is a living individual, the Annuitant. After that date, the Maximum Anniversary Value will be recalculated only for purchase payments and withdrawals. The Maximum Anniversary Value will never be greater than the maximum death benefit allowed by any non-forfeiture laws which govern this Contract.
The withdrawal adjustment is equal to (a) divided by (b), with the result multiplied by (c), where:
(a) = the withdrawal amount. 
(b) = the Contract Value immediately prior to the withdrawal. 
(c) = the value of the applicable Death Benefit alternative immediately prior to the withdrawal.
We will determine the value of the Death Benefit as of the end of the Valuation Period during which we receive a complete request for payment of the Death Benefit. A complete request includes due proof of death.
SETTLEMENT VALUE The Settlement Value is the same amount that would be paid in the event of a full withdrawal of the Contract Value. We will calculate the Settlement Value at the end of the Valuation Period coinciding with the requested distribution date for payment or on the mandatory distribution date of 5 years after the date of death, whichever is earlier.
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PAYOUT PHASE

PAYOUT PHASE DEFINED The "Payout Phase" is the second of the two phases during your Contract. During this phase the Contract Value less any applicable taxes is applied to the Income Plan you choose and is paid out as provided in that plan.
The Payout Phase begins on the Payout Start Date. It continues until we make the last payment as provided by the Income Plan chosen.
PAYOUT START DATE The "Payout Start Date" is the date the Contract Value less any applicable taxes is applied to an Income Plan. The anticipated Payout Start Date is shown on the Annuity Data Page. You may change the Payout Start Date by writing to us at least 30 days prior to this date.
The Payout Start Date must be on or before the later of:
1. the Annuitant's 90th birthday; or
2. the 10th anniversary of the Contract's issue date.
INCOME PLANS An "Income Plan" is a series of payments on a scheduled basis to you or to another person designated by you. The Contract Value on the Payout Start Date less any applicable taxes, will be applied to your Income Plan choice from the following list:
1. LIFE INCOME WITH GUARANTEED PAYMENTS. We will make payments for as long as the Annuitant lives. If the Annuitant dies before the selected number of guaranteed payments have been made, we will continue to pay the remainder of the guaranteed payments.
2. JOINT AND SURVIVOR LIFE INCOME WITH GUARANTEED PAYMENTS. We will make payments for as long as either the Annuitant or joint Annuitant, named at the time of Income Plan selection, lives. If both the Annuitant and the joint Annuitant die before the selected number of guaranteed payments have been made, we will continue to pay the remainder of the guaranteed payments.
3. GUARANTEED NUMBER OF PAYMENTS. We will make payments for a specified number of months beginning on the Payout Start Date. These payments do not depend on the Annuitant's life. The number of months guaranteed may be from 60 to 360. Income payments for less than 120 months may be subject to a Withdrawal Charge.
We reserve the right to make available other Income Plans.
INCOME PAYMENTS Income payment amounts may be Variable Amount Income Payments, Fixed Amount Income Payments, or both. The method of calculating the initial payment is different for the two types of payments.
VARIABLE AMOUNT INCOME PAYMENTS Variable Amount Income Payments will vary to reflect the performance of the Variable Account. The portion of the initial income payment based upon a particular Variable subaccount is determined by applying the amount of the Contract Value in that subaccount on the Payout Start Date, less any applicable premium tax, to the appropriate value from the Income Payment Table. This portion of the initial income payment is divided by the Annuity Unit Value on the Payout Start Date for that Variable subaccount to determine the number of Annuity Units from that subaccount which will be used to determine subsequent income payments. Unless transfers are made between subaccounts, each subsequent income payment from that subaccount will be that number of Annuity Units times the Annuity Unit Value for the subaccount for the Valuation Date on which the income payment is made.
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ANNUITY UNIT VALUE The Annuity Unit Value for each subaccount of the Variable Account at the end of any Valuation Period is calculated by:
1. multiplying the Annuity Unit Value at the end of the immediately preceding Valuation Period by the subaccount's Net Investment Factor during the period; and then
2. dividing the result by 1.000 plus the assumed investment rate for the period. The assumed investment rate is an effective annual rate of 3%. We reserve the right to offer an assumed investment rate greater than 3%.
FIXED AMOUNT INCOME PAYMENTS The income payment amount derived from any monies allocated to the Fixed Account option during the Accumulation Phase is fixed for the duration of the Income Plan. The Fixed Amount Income Payment is calculated by applying the portion of the Contract Value in the Fixed Account Option on the Payout Start Date, less any applicable premium tax, to the greater of the appropriate value from the Income Payment Table selected or such other value as we are offering at that time.
ANNUITY TRANSFERS After the Payout Start Date, you may transfer among the variable subaccounts. You may make up to 12 transfers per Contract year. No transfers may be made from the Fixed Amount Income Payment. Transfers from the Variable Amount Income Payment to the Fixed Amount Income Payment may be made only if Income Plan 3 has been chosen, and may not be made for six months after the Payout Start Date.
PAYOUT TERMS AND CONDITIONS The income payments are subject to the following terms and conditions:
1. If no purchase payments have been received for two years and the Contract Value is less than $2,000, or not enough to provide an initial payment of at least $20, we reserve the right to:
a. change the payment frequency to make the payment at least $20; or
b. terminate the Contract and pay you the Contract Value less any applicable taxes in a lump sum.
2. If we do not receive a written choice of an Income Plan from you at least 30 days before the Payout Start Date, the Income Plan will be Life Income with Guaranteed Payments for 120 months.
3. If you choose an Income Plan which depends on any person's life, we may require:
a. proof of age and sex before income payments begin; and
b. proof that the Annuitant or joint Annuitant is still alive before we make each payment.
4. After the Payout Start Date, the Income Plan cannot be changed and withdrawals cannot be made unless income payments are being made under Income Plan 3. You may terminate the income payments being made under Income Plan 3 at any time and withdraw their value, subject to Withdrawal Charges.
5. If any Owner dies during the Payout Phase, the remaining income payments will be paid to the successor Owner as scheduled.
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INCOME PAYMENT TABLES

The initial income payment will be at least the amount based on the adjusted age of the Annuitant(s) and the tables below, less any federal income taxes which are withheld. The adjusted age is the actual age on the Payout Start Date reduced by one year for each six full years between January 1, 1983 and the Payout Start Date. Income payments for ages and guaranteed payment periods not shown below will be determined on a basis consistent with that used to determine those that are shown. The Income Payment Tables are based on 3.0% interest and the 1983a Annuity Mortality Tables.

	
	
	INCOME PLAN 1 - LIFE INCOME WITH GUARANTEED PAYMENTS FOR 120 MONTHS 
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                          Monthly Income Payment for each $1,000 Applied to this Income Plan 
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   Annuitant's                              Annuitant's                             Annuitant's 
    Adjusted         Male     Female         Adjusted        Male     Female         Adjusted        Male    Female 
       Age                                      Age                                     Age 
--------------------------------------------------------------------------------------------------------------------------- 
      35              $3.43     $3.25            49           $4.15    $3.82             63           $5.52    $4.97 
      36               3.47      3.28            50            4.22     3.88             64            5.66     5.09 
      37               3.51      3.31            51            4.29     3.94             65            5.80     5.22 
      38               3.55      3.34            52            4.37     4.01             66            5.95     5.35 
      39               3.60      3.38            53            4.45     4.07             67            6.11     5.49 
      40               3.64      3.41            54            4.53     4.14             68            6.27     5.64 
      41               3.69      3.45            55            4.62     4.22             69            6.44     5.80 
      42               3.74      3.49            56            4.71     4.29             70            6.61     5.96 
      43               3.79      3.53            57            4.81     4.38             71            6.78     6.13 
      44               3.84      3.58            58            4.92     4.46             72            6.96     6.31 
      45               3.90      3.62            59            5.02     4.55             73            7.13     6.50 
      46               3.96      3.67            60            5.14     4.65             74            7.31     6.69 
      47               4.02      3.72            61            5.26     4.75             75            7.49     6.88 
      48               4.08      3.77            62            5.39     4.86 
===========================================================================================================================

	
	
	INCOME PLAN 2 - JOINT AND SURVIVOR LIFE INCOME WITH GUARANTEED PAYMENTS FOR 120 MONTHS 
=========================================================================================================================== 
 
                           Monthly Income Payment for each $1,000 Applied to this Income Plan 
--------------------------------------------------------------------------------------------------------------------------- 
                    Female Annuitant's Adjusted Age 
--------------------------------------------------------------------------------------------------------------------------- 
      Male 
   Annuitant's          35        40         45         50         55          60         65           70          75 
    Adjusted 
       Age 
--------------------------------------------------------------------------------------------------------------------------- 
      35             $3.09      $3.16      $3.23      $3.28      $3.32       $3.36      $3.39        $3.40       $3.42 
      40              3.13       3.22       3.31       3.39       3.46        3.51       3.56         3.59        3.61 
      45              3.17       3.28       3.39       3.50       3.60        3.69       3.76         3.81        3.85 
      50              3.19       3.32       3.45       3.60       3.74        3.87       3.98         4.07        4.14 
      55              3.21       3.35       3.51       3.68       3.87        4.06       4.23         4.37        4.48 
      60              3.23       3.37       3.55       3.75       3.98        4.23       4.47         4.70        4.88 
      65              3.24       3.39       3.57       3.80       4.07        4.37       4.71         5.04        5.34 
      70              3.24       3.40       3.59       3.83       4.13        4.48       4.90         5.36        5.81 
      75              3.25       3.41       3.61       3.86       4.17        4.56       5.04         5.61        6.22 
===========================================================================================================================

	
	
	INCOME PLAN 3 - GUARANTEED NUMBER OF PAYMENTS 
============================================================================= 
                                 Monthly Income Payment for each 
   Specified Period              $1,000 Applied to this Income Plan 
----------------------------------------------------------------------------- 
       10 Years                                    $9.61 
       11 Years                                     8.86 
       12 Years                                     8.24 
       13 Years                                     7.71 
       14 Years                                     7.26 
       15 Years                                     6.87 
       16 Years                                     6.53 
       17 Years                                     6.23 
       18 Years                                     5.96 
       19 Years                                     5.73 
       20 Years                                     5.51 
=============================================================================

GENERAL PROVISIONS

THE ENTIRE CONTRACT The entire contract consists of this Contract, any written application, and any Contract endorsements and riders.
All statements made in a written application are representations and not warranties. No statement will be used by us in defense of a claim or to void the Contract unless it is included in a written application.
We may not modify this Contract without your consent, except to make it comply with any changes in the Internal Revenue Code or as required by any other applicable law. Only our officers may change this Contract. No other individual may do this.
INCONTESTABILITY We will not contest the validity of this Contract after the issue date.
MISSTATEMENT OF AGE OR SEX If any age or sex has been misstated, we will pay the amounts which would have been paid at the correct age and sex.
If we find the misstatement of age or sex after the income payments begin, we will:
1. pay all amounts underpaid including interest calculated at an effective annual rate of 6%; or
2. stop payments until the total payments are equal to the corrected amount.
ANNUAL STATEMENT At least once a year, prior to the Payout Start Date, we will send you a statement containing Contract Value information. The effective date of the information in the annual statement will not be more than two months before date of mailing. We will provide you with Contract Value information at any time upon request. The information presented will comply with any applicable law.
SETTLEMENTS We may require that this Contract be returned to us prior to any settlement. We must receive due proof of death of the Owner or Annuitant prior to settlement of a death claim.
Any full withdrawal or Death Benefit under this Contract will not be less than the minimum benefits required by any statute of the state in which the Contract is delivered.
Page 13

DEFERMENT OF PAYMENTS We will pay any amounts due from the Variable Account under this Contract within seven days, unless:
1. the New York Stock Exchange is closed for other than usual weekends or holidays, or trading on such Exchange is restricted;
2. an emergency exists as defined by the Securities and Exchange Commission; or
3. the Securities and Exchange Commission permits delay for the protection of Contract holders.
We reserve the right to postpone payments or transfers from the Fixed Account options for up to six months. If we elect to postpone payments from the Fixed Account for 30 days or more, we will pay interest as required by applicable law. Any interest would be payable from the date the withdrawal request is received by us to the date the payment is made.
VARIABLE ACCOUNT MODIFICATIONS We reserve the right, subject to applicable law, to make additions to, deletions from, or substitutions for the mutual fund shares underlying the subaccounts of the Variable Account. We will not substitute any shares attributable to your interest in a subaccount of the Variable Account without notice to you and prior approval of the Securities and Exchange Commission, to the extent required by the Investment Company Act of 1940, as amended.
We reserve the right to establish additional subaccounts of the Variable Account, each of which would invest in shares of a mutual fund. You may then instruct us to allocate purchase payments or transfers to such subaccounts, subject to any terms set by us or the mutual fund.
In the event of any such substitution or change, we may by endorsement, make such changes as may be necessary or appropriate to reflect such substitution or change.
If we deem it to be in the best interests of persons having voting rights under the contracts, the Variable Account may be operated as a management company under the Investment Company Act of 1940, as amended, or it may be deregistered under such Act in the event such registration is no longer required.
Page 14Exhibit

Page 1
PA137
(roll-up ADVISOR/PREF 5/02)
ALLSTATE LIFE INSURANCE COMPANY 
 (herein called "we" or "us")
Enhanced Beneficiary Protection Rider A 
 (Annual Increase)
This rider was issued because you selected the Enhanced Beneficiary Protection Rider A. This rider modifies the benefit provided by your Contract, to the extent described below, and the charge for this rider is in addition to charges defined in your Contract.
As used in this rider, "Contract" means the Contract or Certificate to which this rider is attached.
For purposes of this rider, "Rider Date" is the date this rider was made a part of your Contract: xx/xx/xxxx
The annualized Mortality and Expense Risk Charge for this rider is .30%
The following changes are made to your Contract.
I. Enhanced Beneficiary Protection Benefit
The Death Benefit provision of your Contract is hereby modified as follows:

	
	
	Prior to the Payout Start Date, the Death Benefit is equal to 
                  the greater of the Death Benefit, defined in the Death Benefit 
                  provision of your Contract, or the value of the Enhanced 
                  Beneficiary Protection Benefit. 
 
         The Enhanced Beneficiary Protection Benefit is determined as follows: 
 
        o       On the Rider Date, the Enhanced Beneficiary Protection Benefit 
                is equal to the Contract Value. 
 
        o       After the Rider Date, the Enhanced Beneficiary Protection 
                Benefit will accumulate daily at a rate equivalent to 5% per 
                year and is recalculated each time a purchase payment or 
                withdrawal is made as follows: 
 
                  1.       For purchase payments, the Enhanced Beneficiary 
                           Protection Benefit is equal to the most recently 
                           calculated Enhanced Beneficiary Protection Benefit 
                           plus the purchase payment. 
 
                  2.       For withdrawals, the Enhanced Beneficiary Protection 
                           Benefit is equal to the most recently calculated 
                           Enhanced Beneficiary Protection Benefit reduced by a 
                           withdrawal adjustment, as defined below. 
 
        o        The accumulation will continue until the earlier of: 
 
                  1.       the first  Contract  anniversary  following  the 80th 
                           birthday of either the oldest Owner or the 
                           oldest Annuitant, whichever is earlier, or 
 
                  2.       the date we determine the Death Proceeds. 
 
        o         After the 80th birthday of either the oldest Owner or the 
                  oldest Annuitant, whichever is earlier, the Enhanced 
                  Beneficiary Protection Benefit will be recalculated only for 
                  purchase payments and withdrawals. 
 
 PA137                                           (roll-up ADVIS/PREF 5/02) 
 
         The Enhanced Beneficiary Protection Benefit will not exceed the amount 
equal to: 
 
        o        200% of the Contract Value as of the Rider Date; plus 
 
        o        200% of any purchase payments made after the Rider Date 
                 (excluding purchase payments made in the twelve-month period 
                 immediately prior to the death of the Owner or the Annuitant); 
                 minus 
 
        o        withdrawal adjustments for any withdrawals made after the Rider 
                 Date.

Withdrawal Adjustment
A withdrawal adjustment is equal to (a) divided by (b), with the result multiplied by (c), where:
(a) is the withdrawal amount. 
(b) is the Contract Value immediately prior to the withdrawal. 
(c) is the Enhanced Beneficiary Protection Benefit immediately prior to the withdrawal.
The Enhanced Beneficiary Protection Benefit will never be greater than the maximum death benefit allowed by any nonforfeiture laws which govern this Contract.
II. Mortality and Expense Risk Charge
The annualized Mortality and Expense Risk Charge, for this rider, is shown on page 1 of this rider. After the Rider Date, the Mortality and Expense Risk Charge for this rider will not change.
III. Death of Owner or Annuitant
Upon the death of the Owner or the Annuitant, one of the following three provisions will apply, depending upon which Option is elected under the Death of Owner or the Death of Annuitant provisions of the Contract:
1. If the Contract is continued under Option D of the Death of Owner provision of the Contract, then:

	
	
	a.       If both the oldest new Owner and the oldest Annuitant 
                           are age 80 or younger on the date we determine the 
                           Death Proceeds, then this rider will continue. The 
                           amount of the Enhanced Beneficiary Protection Benefit 
                           as of the date we determine the Death Proceeds, plus 
                           subsequent purchase payments, less withdrawal 
                           adjustments for any subsequent withdrawals, will 
                           accumulate daily at a rate equivalent to 5% per year 
                           from the date we determine the Death Proceeds, until 
                           the earlier of: 
 
                           o        The first Contract anniversary following the 
                                    80th birthday of either the oldest new Owner 
                                    or the oldest Annuitant, whichever is 
                                    earlier. (After the 80th birthday of either 
                                    the oldest new Owner or the oldest 
                                    Annuitant, whichever is earlier, the 
                                    Enhanced Beneficiary Protection Benefit will 
                                    be recalculated only for purchase payments 
                                    and withdrawals); or 
 
                           o        The date we next determine the Death 
                                    Proceeds. 
 
                  b.       If either the oldest new Owner or the oldest 
                           Annuitant is older than age 80 on the date we 
                           determine the Death Proceeds, then this rider will 
                           terminate and the corresponding Mortality and Expense 
                           Risk Charge for this rider will cease as of that 
                           date. 
 
Page 3 
PA137                                (roll-up ADVISOR/PREF 2/02) 
 
         2.       If the Contract is continued under Option D of the Death of 
                  Annuitant provision of the Contract, then: 
 
                  This rider will continue and the Enhanced Beneficiary 
                  Protection Benefit will continue to be calculated according to 
                  Section I above. 
 
         3.       If the Contract is not continued under either 1. or 2. above, 
                  then: 
 
                  The Death Proceeds will be determined under the terms and 
                  conditions stated in the Contract and Section I above. We will 
                  determine the value of the Enhanced Beneficiary Protection 
                  Benefit on the date we determine the Death Proceeds. This 
                  rider will terminate and the corresponding Mortality and 
                  Expense Risk Charge for this rider will cease as of that date.

Except as provided above, all other terms and conditions of the Death of Owner and the Death of Annuitant provisions of the Contract continue to apply.
IV. Termination of this Rider
This Enhanced Beneficiary Protection Rider A will terminate and the corresponding Mortality and Expense Risk Charge for this rider will cease on the earliest to occur of:
o On the date this rider is terminated under Section III.1.b. and 
Section III.3., above; or
o On the date the Owner (if the current Owner is a living person) is changed for any reason other than death unless the new Owner is a trust and the Annuitant is the current Owner; or
o On the date the Owner (if the current Owner is a non-living person) is changed for any reason unless the new Owner is a non-living person or is the current Annuitant; or
o On the date the Contract is terminated; or
o On the Payout Start Date.
Otherwise, this rider may not be terminated.
V. Investment Limitations for this Rider
We reserve the right to impose limitations on the Investment Alternatives in which you may invest. These limitations may include, but are not limited to, maximum investment limits on certain Variable Sub-accounts or on certain Fixed Account Options, exclusion of certain Variable Sub-accounts or of certain Fixed Account Options, required minimum allocations to certain Variable Sub-Accounts, and/or the required use of automatic portfolio rebalancing. A current explanation and list of investment limitations is set forth in the prospectus that pertains to your Contract.
Except as amended by this rider, the Contract remains unchanged.

[GRAPHIC OMITTED][GRAPHIC OMITTED]

Secretary Chairman and Chief Executive Officer

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