The effective date of the benefits described in this guide is Jan. 1, 2027, unless otherwise noted. This guide provides a brief description of the coverages provided under the Allstate Cafeteria Plan benefits program for 2027. It is not intended as a complete description of the benefits. Many of the benefits have eligibility requirements, exclusions, limitations, benefit reductions and terms under which the benefits may continue in force or terminate. You can view the summary plan descriptions for health benefits, supplemental coverages and life and disability plans on AllstateGoodLife.com/benefits. Although Allstate makes every effort to ensure accurate benefit descriptions, the provisions of the official plan documents and contracts will govern in case of any discrepancy. This program is subject to review and may be modified or terminated in whole or in part at any time for any reason. This guide does not create a contract of employment between you and Allstate Insurance Company or any of its subsidiaries. Allstate reserves the right to modify, amend, suspend or terminate the plan or any plan provisions, terms or benefits at any time for any reason.