SASB Index
Allstate protects people from life’s uncertainties with a wide array of protection for autos, homes and personal property. Allstate is
primarily engaged in the property and casualty insurance business in the United States and Canada. Additionally, Allstate provides
customers other protection solutions such as accident and health insurance, protection plans that cover consumer electronics, mobile
phones and appliances and personal identity protection. The Allstate Corporation is one of the largest publicly held personal lines
insurers in the United States.
In addition to providing wide-ranging disclosure on our website regarding our approach to sustained value creation, which integrates
environmental, social and governance factors, The Allstate Corporation is providing the following disclosures aligned with the
Sustainability Accounting Standards Board (SASB) standards for the insurance industry. The Allstate Corporation will continue to
support and use the SASB Standards until they are replaced by IFRS Sustainability Disclosure Standards. For more information
about SASB, please visit sasb.org. For additional information about Allstate or its subsidiaries, please visit allstate.com.
SASB Standard Code Response/Comment
Activity Metric
Number of policies in force, by segment:
(1) property and casualty, (2) life, (3)
assumed reinsurance
FN-IN-
000.A
• See 2022 Form 10-K, pgs. 44 (Allstate Protection), 53 (Protection
Services), and 62 (Allstate Health and Benefits): https://
www.allstateinvestors.com/financials/sec-filings
Accounting Metrics
Transparent
Information & Fair
Advice for
Customers
Total amount of
monetary losses as
a result of legal
proceedings
associated with
marketing and
communication of
insurance product
related information
to new and returning
customers
FN-
IN-270a.1
• Allstate does not have material legal proceedings associated with
marketing and communication of insurance product related information
to new and returning customers.
• For further information about ongoing legal proceedings generally, see
Note 15 in the 2022 Form 10-K, pgs. 163 - 168: https://
www.allstateinvestors.com/financials/sec-filings
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Accounting Metrics
Transparent
Information & Fair
Advice for
Customers
Complaints to claims
ratio
FN-
IN-270a.2
• Allstate does not calculate a complaints-to-claims ratio because we do
not believe it is a meaningful metric for assessing our claim handling
processes. However, state insurance departments voluntarily provide
consumer complaint data to the National Association of Insurance
Commissioners (NAIC). The NAIC provides a summary listing of all
closed complaints by business line for each underwriting company in
the U.S. For more information, visit the NAIC website at: https://
www.naic.org/index_consumer.htm.
• Allstate tracks year-over-year performance on the Enterprise Net
Promoter Score to measure customer satisfaction and reports
progress on this measurement in its 2022 Form 10-K (pg. 37). The
renewal ratio (cited below) provides information on customer retention.
Customer retention
ratio
FN-
IN-270a.3
• See 2022 Form 10-K for the “Renewal ratio” for the last three fiscal
years for auto and homeowners, pgs. 44 (auto) and 45 (home): https://
www.allstateinvestors.com/financials/sec-filings
Description of
approach to
informing customers
about products
FN-
IN-270a.4
• See 2022 Form 10-K, pgs. 2 - 11 for details about brand strategies,
products and services, and distribution channels, and for a description
of Transformative Growth: https://www.allstateinvestors.com/financials/
sec-filings
• One component of Transformative Growth is to expand customer
access. Customers can currently access our property-liability products
through: Allstate exclusive agents, independent agents, contact
centers and online.
Incorporation of
ESG Factors in
Investment
Management
Total invested
assets, by industry
and asset class
FN-
IN-410a.1
• See 2022 Form 10-K, pgs. 70 - 71 for a listing of fixed income
securities by type and sector and equity securities by sector: https://
www.allstateinvestors.com/financials/sec-filings
• For more information about our Allstate Investments department, see:
https://www.allstateinvestments.com/index.html
Description of
approach to
incorporation of ESG
factors in investment
management
processes and
strategies
FN-
IN-410a.2
• See Sustainability Report, Responsible Investing for a description of
Allstate’s Responsible Investing Committee and Policy: https://
www.allstatesustainability.com/prosperity/responsible-investing/
• See the 2023 Proxy Statement pgs. 52 - 60 for further information on
our approach to incorporation of ESG factors, specifically pg. 59 on
our approach to investing.
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SASB Standard Code Response/Comment
Accounting Metrics
Policies
Designed to
Incentivize
Responsible
Behaviors
Net premiums
written related to
energy efficiency
and low carbon
technology
FN-
IN-410b.1
• Allstate does not measure this metric at this time as it is not material to
its business but will continue to evaluate in the future.
• Allstate calculates and discloses premiums by state per regulatory
requirements: https://www.allstatecorporation.com/resources/allstate/
attachments/about/2021-aic-combined-annual-statement.pdf
• Allstate also calculates and discloses premiums by segment. See
2022 Form 10-K, pgs. 43 (Allstate Protection), 53 (Protection
Services), and 62 (Allstate Health and Benefits): https://
www.allstateinvestors.com/financials/sec-filings
Discussion of
products and/or
product features that
incentivize health,
safety, and/or
environmentally
responsible actions
and/or behaviors
FN-
IN-410b.2
• For information about our telematics offerings that encourage safe
driving and lower environmental impact from reduced driving, see our
2022 Form 10-K, p. 7: https://www.allstateinvestors.com/financials/sec-
filings
• For additional information about products that incentivize responsible
behavior, see our 2021 Sustainability Report: https://
www.allstatesustainability.com/prosperity/customer-centric-and-
responsible-products
• Discounts across our polices are available on Allstate.com under the
related policy discount information. For example, auto insurance
discounts can be found here: https://www.allstate.com/auto-insurance/
car-insurance-discounts.aspx
Environmental Risk
Exposure
Probable Maximum
Loss (PML) of
insured products
from weather-related
natural catastrophes
FN-
IN-450a.1
• Allstate's current catastrophe reinsurance program supports the
Company's risk tolerance framework which utilizes a modeled 1-in-100
annual aggregate limit for catastrophe losses from hurricanes,
earthquakes and wildfire events, net of reinsurance, exceeding $2.5
billion, net of reinsurance. See Note 11 in the 2022 Form 10-K, pgs.
156-158: https://www.allstateinvestors.com/financials/sec-filings
• See reinsurance filing: https://www.allstateinvestors.com/static-files/
c889cba2-46dd-4be0-8e33-dbe19d1b0232
• See 2022 Form 10-K, p. 22 - 24 Item 1A. Risk Factors: https://
www.allstateinvestors.com/financials/sec-filings
• See Note 1 in the 2022 Form 10-K, which provides an overview of the
greatest areas of potential catastrophe losses by category and
location: https://www.allstateinvestors.com/financials/sec-filings
• See Allstate Protection, Catastrophe management, 2022 Form 10-K,
pgs. 47 - 49: https://www.allstateinvestors.com/financials/sec-filings
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SASB Standard Code Response/Comment
Accounting Metrics
Environmental Risk
Exposure
Total amount of
monetary losses
attributable to
insurance payouts
from (1) modeled
natural catastrophes
and (2) non-modeled
natural
catastrophes, by
type of event and
geographic segment
(net and gross of
reinsurance)
FN-
IN-450a.2
• Allstate does not separately identify losses by modeled and non-
modeled catastrophes as we do not believe this categorization is
meaningful to our business. Allstate provides geographic locations of
catastrophe losses in monthly press releases if the losses exceed a pre-
determined threshold.
• See 2022 Form 10-K, which discloses annual catastrophe losses, effect
of catastrophe losses on combined ratio in total and by line of business,
catastrophe losses and reserve re-estimates by line of business, and
catastrophe loss by type of event, pgs. 46 - 49: https://
www.allstateinvestors.com/financials/sec-filings
• Allstate discloses direct losses paid and incurred by state: https://
www.allstatecorporation.com/resources/allstate/attachments/about/2021-
aic-combined-annual-statement.pdf
Description of
approach to
incorporation of
environmental risks
into (1) the
underwriting process
for individual
contracts and (2) the
management of firm-
level risks and
capital adequacy
FN-
IN-450a.3
• Allstate measures and monitors insurance risk (which includes claims
frequency and severity and catastrophes and severe weather) with
different approaches, including stochastic methods and scenario
analysis. See 2022 Form 10-K, pgs. 83 and 103: https://
www.allstateinvestors.com/financials/sec-filings
• See Application of Critical Accounting Estimates, Reserve for property
and casualty insurance claims and claims expense estimation, 2022
Form 10-K, pgs. 88 - 94: https://www.allstateinvestors.com/financials/
sec-filings
• See also Sustainability Report, Climate Strategy and Disaster
Resiliency: https://www.allstatesustainability.com/planet/climate-
strategy-and-disaster-resiliency/
• See 2022 Form 10-K, pgs. 82 - 84: https://www.allstateinvestors.com/
financials/sec-filings
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SASB Standard Code Response/Comment
Accounting Metrics
Systemic Risk
Management
Exposure to
derivative
instruments by
category: (1) total
potential exposure to
non centrally cleared
derivatives, (2) total
fair value of
acceptable collateral
posted with the
Central
Clearinghouse, and
(3) total potential
exposure to centrally
cleared derivatives
FN-
IN-550a.1
• See 2021 AIC Combined Annual Statutory Statement, pgs. 2, 3, and
12: https://www.allstatecorporation.com/resources/allstate/
attachments/about/2021-aic-combined-annual-statement.pdf
• See 2022 Form 10-K, Note 7 (Derivative Financial Instruments and
Off-balance Sheet Financial Instruments): https://
www.allstateinvestors.com/financials/sec-filings
Total fair value of
securities lending
collateral assets
FN-
IN-550a.2
• See 2022 Form 10-K, pgs. 105 and 126: https://
www.allstateinvestors.com/financials/sec-filings
Description of
approach to
managing capital
and liquidity-related
risks associated with
systemic non-
insurance activities
FN-
IN-550a.3
• See 2022 Form 10-K, pgs. 74 - 84: https://www.allstateinvestors.com/
financials/sec-filings
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