Cover - Allstate Insurance Review

Allstate Insurance Review

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with Allstate Insurance Company. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Allstate Insurance Company directly, call them at (855) 855-6448.

Are you considering an insurance sales career working for Allstate?

If so, you have found the right article!

I’ll review what it’s like to work for Allstate as an insurance agent.

My goal is to give you sufficient information to determine whether or not selling for Allstate makes sense for your career goals.

Let’s get started.

PS: if you’d like to learn more about other insurance sales opportunities, go to this page where I review a variety of different options.

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Overview of Working with Allstate

Those who work at Allstate have a reasonably good experience.

The company’s rating by employees is 3.8/5 on Indeed and 3.4/5 on Glassdoor, both of which are about average for the industry.

What Products Are Sold?

Working with Allstate lets you sell a full selection of insurance products, covering nearly every type of insurance imaginable.

ATV Insurance

This insurance is for those who want protection if their ATV is damaged.

Auto Insurance

Auto insurance provides compensation for an automobile and features tools like Drivewise.

Boat Insurance

This is coverage for those who have watercrafts.

Business Insurance

It provides coverage for a range of business types.

Condo Insurance

Condo insurance provides coverage for your townhome, and it can include sudden and accidental water damage from household appliances, the heating or air conditioning system, water heaters, or plumbing.

It can also include fire and smoke, vandalism, and theft.

Event Insurance

This insurance is for special events, with coverage for incidents like cancellation and liability.

Home Insurance

Home insurance provides coverage for a home, which can include theft, fire and smoke, windstorms and hail, falling objects, frozen plumbing, water damage from plumbing, appliances, heating or cooling systems, and water heaters.

Umbrella insurance is a type of home insurance that fills in the gaps in other insurance coverage, and it typically includes the cost of an attorney when sued, lost wages from court appearances, and incidents if someone is abroad.

Identity Protection

This policy protects a client’s digital footprint and helps resolve theft and identity fraud.

Landlord Insurance

This insurance can include protection of structures, liability, premised medical protection, and fair rental income coverage.

Life Insurance

Allstate offers term life, whole life, universal life, and variable universal life insurance.

Motorcycle Insurance

This insurance is specifically designed to cover a motorcycle.

Motor Home

This insurance covers RVs, including bodily injury liability, property damage liability, and comprehensive coverage, among other features.

Pet Insurance

This is health insurance for pets, including dogs and cats.

Renters Insurance

Renters insurance protects a client’s items if they do not own their property. It can be combined with other coverage, such as flood insurance.

Retirement and Investments 

You can sell retirement and investment plans, such as 529 College Savings Plans, annuities, mutual funds, and IRAs.

Roadside Assistance

Roadside assistance is available as a separate plan, an insurance add-on, or a pay-per-use service.

Snowmobile Insurance

This coverage protects snowmobiles.

Voluntary Employee Benefits

This coverage supplements the health insurance the policyholder receives through their employer.

How Do You Find Prospects

Allstate has a large pool of customers that they claim are untapped.

You can also find prospects via partnerships with Allstate agents. Those partnerships are particularly useful for finding prospects, as you can cross-sell retirement and life solutions to existing Allstate customers.

Additionally, the agents you partner with as a personal financial representative are familiar with the needs of their customers, increasing your chances of conversion.

Special Marketing and Sales Programs

As mentioned, personal financial representatives get exclusive partnerships with several Allstate agents.

This partnership brings you commissions, renewals, and trails, while the agents receive a P&C bonus and improved customer retention.

You also get access to the customer protection reviews and customer needs analysis from Allstate, both of which help you with targeting prospects.


Allstate does not outline its commissions, but it does refer to the plan as among the most competitive in the industry, as there is no limit to your earnings potential.

To provide a better idea of what you can expect to make, the national average income for an Allstate personal financial representative is about $56,000, although it can be over $100,000.

Other estimates put the average closer to $77,000 per year, with some data points being over $170,000.

How to Increase Commissions

The best way to increase commissions with Allstate is to increase your sales.

To help with this goal, Allstate offers those previously mentioned partnerships with Allstate agents as well as a suite of customizable marketing collateral.

There is further support from industry experts who want you to succeed.

You also get access to well-regarded and recognized industry tools.

Is Allstate a Scam/Pyramid Scheme/MLM?


Allstate is not a scam, pyramid scheme, or insurance MLM. You can be confident in this thanks to its strong reviews and the company’s nearly 85-year history, as well as its status as a Fortune 100 company.

The moderately strong ratings from past employees cement this reputation. In addition to the 3.8/5 overall rating on Indeed, past employees rated Allstate at 3.7/5 for work-life balance and 3.4 for pay and benefits.

My Thoughts

Now that you know a little more about how Allstate Works, I’d like to provide my perspective as an independent agent.

Only selling one product and its downsides

When you work for Allstate, you only sell one particular line of products, and that’s the insurance products Allstate offers.

While these products may be great, the problem is they won’t necessarily be the best choice for every single prospect that you present to.

For example, if a client is looking for a particular line of insurance and they come to you to see what Allstate provides, you may find that your price or underwriting is not as advantageous as other insurance organizations.

In other words, this means you may sell less coverage for one company than you would if you were an independent agent.

An independent agent typically sells a multitude of insurance products as well as a variety of insurance products.

This means the independent agent can typically help more people out than the person who only represents one company.

It’s very important that you keep that in mind in your search for an insurance sales organization to join.


I hope you enjoyed this article and learn more about how Allstate Insurance works.

I recruit and train new and experienced agents to become top producing agents in final expenseMedicare Advantage, and annuity sales.

If you’d like more information about how my organization Works, click the link here.

Make sure to also check out my agent success stories as well as my best selling insurance sales books.


Allstate Insurance Careers and Employment
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