Allstate 2005 Annual Report Download

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How does Allstate:
1. Manage catastrophic exposures?
2. Keep our business growing?
3. Create loyal customers?
4. Deliver value and results?
Summary
Annual
Report
The Allstate
Corporation
2005

Table of contents

  • Page 1
    2005 The Allstate Corporation Summary Annual Report 1. Manage catastrophic exposures? How does Allstate: 2. Keep our business growing? 3. Create loyal customers? 4. Deliver value and results?

  • Page 2
    ... and commitment in the wake of Hurricane Katrina. Kathleen and Lester Null fled their home in Meraux, Louisiana, just before the storm hit. Unable to find shelter after hours of driving, they made their way to the West Memphis, Arkansas, office of Allstate Agent David Tyler, who had posted signs...

  • Page 3
    Giving Back to the Community The Allstate Corporation 2005 Corporate Social Responsibility Report highlights the socially responsible measures that not only help create strong and vital communities, but also help manage our risks and enhance our company's performance. The report is available online...

  • Page 4
    ... attributable to each share business decisions and of stock. economic developments unrelated to the insurance underwriting process. (in dollars) $4.54 Revenues rose 4.3 percent to $35.4 billion in 2005. Revenues indicate Allstate's total premium and investment results. Return on average beginning...

  • Page 5
    ...we dedicate our resources to better deploy capital to a more focused product portfolio where we have scale and a significant market presence today. Amid a historic year in catastrophes, our businesses once again rewarded Allstate shareholders. We repurchased $2.5 billion of our stock and paid an all...

  • Page 6
    ..., we're increasing rates and deductibles on our homeowners policies and limiting new business writing. In markets where we cannot adequately cover our risks, we may be able to help customers find alternative coverage while we focus instead on auto and financial services products. Though we can...

  • Page 7
    ... communications based on feedback from agents and customers. Strategies like this save money and support top-line growth. Our strong balance sheet gives us the flexibility to invest responsibly in growth. With one of the country's most recognizable brands as a foundation, we are building profitable...

  • Page 8
    ...enterprise growing, meet our customer commitments and deliver value and results. In 2006 we will focus on several business priorities that are critical to our future. The progress we make to reduce our catastrophe exposure, accelerate profitable growth, protect our brand, manage expenses and improve...

  • Page 9
    ... do to protect themselves? Consumers can take advantage of new education programs that will help them prepare for catastrophes before they strike. They can learn how to: • Ensure their insurance coverage includes replacement costs • Follow their community's public escape plan in an emergency...

  • Page 10
    ... Innovation Allstate® Your Choice Auto insurance is reinventing auto insurance by rewarding safe driving and offering more choice to meet individual needs. Features include a safedriving bonus, accident forgiveness, a safe-driving deductible and new-car expanded protection. Allstate customers John...

  • Page 11
    ... new products like Allstate® Your Choice Auto insurance, which gives consumers the flexibility to match the price they pay to the coverage they need. Demographic trends are making personal investment more important than ever- and providing growth opportunities for Allstate Financial. Life...

  • Page 12
    ..., they're better equipped to meet the protection and financial services needs of our target market. Today, Allstate agents benefit from an efficient new technology platform that makes doing business easier. They can also access the market intelligence, marketing support and training they need to...

  • Page 13
    ... Members of Allstate's dedicated National Catastrophe Team monitor storms before they strike, develop response strategies and coordinate onthe-ground activity. Team members (left to right) include Steve Pressley, Claim Process Specialist; Jerry Jimenez and Wendy Carrick, Market Claim Managers; and...

  • Page 14
    ...Our senior management team leads by example, anchoring our culture by maintaining the highest personal standards for integrity and accountability. Allstate is supporting new generations of customers by helping communities across America grow and prosper. These activities express our core values and...

  • Page 15
    ... Rainbow Child Care Center in Slidell, Louisiana, helped by The Allstate Foundation Hurricane Recovery Fund at the Greater New Orleans Foundation. The daycare center received $20,000 to rebuild its battered site. "It's been a Godsend," says Rainbow executive director Charlotte Champagne, shown...

  • Page 16
    ... developments unrelated to the insurance underwriting process. (in dollars) Return on equity measures how well Allstate used shareholders' equity to generate net income. This measure indicates Allstate's total premium and investment results. In 2005, Allstate generated record revenue. This...

  • Page 17
    ... an integrated, businessaligned technology strategy that supports business objectives, protects and delivers information and enhances customer service. Joan M. Crockett Senior Vice President and Chief Marketing Officer Leverages Allstate's marketing power and highly valued Good Hands® Promise...

  • Page 18
    ... Creates Allstate Motor Club, first truly national service. 45 1959 Establishes first "catastrophe plan" to help customers. 14 19 19 45 1952 Forms The Allstate Foundation to support communities. 19 51 19 66 1970 Encourages automakers 1972 to produce tougher cars, including uniform bumpers...

  • Page 19
    ... Universal Life policy for savings and investment. Creating a Climate for Success 1995 Becomes a totally independent company after spin-off from Sears. 1999 Introduces Exclusive Agent Contractor program. 1999 Establishes Good Hands® Network, giving customers 24-hour access to Allstate services...

  • Page 20
    ...allstate.com • Independent agents • 1-800-allstate • Allstate Bank • Financial institutions • Broker dealers • Workplaces Asset Protection Wealth Transfer Family Protection Insurance Term Life Universal Life Variable Universal Life Long-term Care* Supplemental Health Asset Management...

  • Page 21
    ... financial products by the Allstate Agency proprietary distribution channel. New sales of financial products by Allstate exclusive agencies includes annual premiums on new insurance policies, initial premiums and deposits on annuities, net new net new deposits of Allstate Bank, which we account for...

  • Page 22
    ... information for the year ended December 31, 2005, by contacting: Investor Relations The Allstate Corporation 2775 Sanders Road Northbrook, IL 60062-6127 (800) 416-8803 [email protected] The Allstate Corporation's annual report is available online at: www.allstate.com/ investor/annual_report