352736--3/12/2010--ALLSTATE_LIFE_INSURANCE

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{tax, income, asset}

{condition, economic, financial}

{regulation, change, law}

{loan, real, estate}

{capital, credit, financial}

{regulation, government, change}

{product, liability, claim}

{customer, product, revenue}

Narrowing the focus of our product offerings and reducing our concentration in fixed annuities and funding agreements may adversely affect reported results Deteriorating financial performance impacting securities collateralized by residential and commercial mortgage loans, collateralized corporate loans, and commercial mortgage loans may lead to write-downs and impact our results of operations and financial condition The impact of our investment strategies may be adversely affected by developments in the financial markets The determination of the amount of realized capital losses recorded for impairments of our investments is highly subjective and could materially impact our operating results and financial condition The determination of the fair value of our fixed income and equity securities results in unrealized net capital gains and losses and is highly subjective and could materially impact our operating results and financial condition Difficult conditions in the economy generally could adversely affect our business and operating results There can be no assurance that actions of the U.S. federal government, Federal Reserve and other governmental and regulatory bodies for the purpose of stabilizing the financial markets and stimulating the economy will achieve the intended effect Proposed regulatory reforms, and the more stringent application of existing regulations, may make it more expensive for us to conduct our business Adverse capital and credit market conditions may significantly affect our ability to meet liquidity needs or our ability to obtain credit on acceptable terms The change in our unrecognized tax benefit during the next 12 months is subject to uncertainty The realization of deferred tax assets is subject to uncertainty Changing climate conditions may adversely affect our financial condition, profitability or cash flows Loss of key vendor relationships could affect our operations

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352736--3/12/2010--ALLSTATE_LIFE_INSURANCE_CO