<SEC-DOCUMENT>0000899051-17-000036.txt : 20170726
<SEC-HEADER>0000899051-17-000036.hdr.sgml : 20170726
<ACCEPTANCE-DATETIME>20170620152924
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000899051-17-000036
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20170620

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ALLSTATE CORP
		CENTRAL INDEX KEY:			0000899051
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				363871531
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		2775 SANDERS ROAD
		CITY:			NORTHBROOK
		STATE:			IL
		ZIP:			60062
		BUSINESS PHONE:		8474025000

	MAIL ADDRESS:	
		STREET 1:		2775 SANDERS ROAD
		CITY:			NORTHBROOK
		STATE:			IL
		ZIP:			60062-7127
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2017 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s1139442F9E825B6D8C6E2CBE7002BB11"></a></div><div style="line-height:120%;text-align:center;"><img src="allstatea01a01a10.jpg" alt="allstatea01a01a10.jpg" style="height:92px;width:132px;"></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">June 20, 2017</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mr. Jim B. Rosenberg</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Senior Assistant Chief Accountant</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">U.S. Securities and Exchange Commission</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">100 F Street, NE</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Washington, DC 20549</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Re:&#160;&#160;&#160;&#160;The Allstate Corporation</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Form 10-K for Fiscal Year Ended December 31, 2016</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Filed on February 17, 2017</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">File Number: 1-11840</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dear Mr. Rosenberg:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This letter is being submitted in response to the comments set forth in your letter dated June 7, 2017 to Mr. Steven Shebik, Chief Financial Officer of The Allstate Corporation, with respect to the above-referenced filing.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">For your convenience, we have set forth the comments in bold typeface, followed by our response.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Notes to Consolidated Financial Statements</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Note 8. Reserve for Property-Liability Insurance Claims and Claims Expense, page 167</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">We note from the tables you provided us in response to our prior comment in our April 26, 2017 letter that:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:42px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Duration for physical damage is substantially shorter than for liability.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:42px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Claim severity for liability is significantly higher than for physical damage. In addition, the percentage change in claim severity for an accident year as compared to a prior accident year for liability can differ significantly from that for physical damage. For example, there were significant drops in severity compared to the preceding year for liability in accident years 2014 and 2016 while physical damage experienced modest increases in severity for those accident years.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:42px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Development for liability can differ significantly from development for physical damage. For example, substantially all the development in 2016 appears to be related to liability, and development in 2015 for accident years 2013 and 2014 and in 2016 for accident year 2015 differs directionally (i.e. favorably versus unfavorably) for liability as compared to physical damage.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:42px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">The percentage change in the amount of initial loss estimate for an accident year as compared to a prior accident year for liability can differ significantly from that for physical damage. For example, the initial loss estimate for accident year 2016 increased as compared to the initial loss estimate for accident year 2015 at a much smaller rate for liability than for physical damage. </font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Accordingly, it appears that the aggregation of physical damage and liability for auto insurance obscures meaningful trending information for investors and that differing settlement patterns and claim frequency and severity result in significantly different characteristics of the liability for unpaid claims and claim adjustment expenses. As a result we believe that these two lines of business should be disaggregated in the tables presenting incurred claims and cumulative paid claims under ASC 944-40-50-4H. Please confirm that you will present separate tables for physical damage and liability for auto insurance in future Forms 10-K. </font></div><div style="line-height:120%;text-align:justify;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In response to your request, we confirm that, beginning with our 2017 Form 10-K, we will present separate incurred and paid claim and claim adjustment expense development tables for our auto liability and physical damage coverages. We will continue providing claim frequency and severity statistics for the separate coverages, which can be useful to understand reserve activity, as an element of our discussion of operating results and trends in our Form 10-K.</font></div><div style="line-height:120%;text-align:justify;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If you have any questions regarding this response letter, please contact Eric Ferren, Senior Vice President, Controller and Chief Accounting Officer, at (847) 402-9281 or me at (847) 402-4454.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Very truly yours,</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Steven E. Shebik</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Steven E. Shebik</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Executive Vice President and Chief Financial Officer</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">cc: &#160;&#160;&#160;&#160;Eric K. Ferren, Senior Vice President, Controller and Chief Accounting Officer </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Samuel H. Pilch, Senior Group Vice President</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Lisa Vanjoske, Assistant Chief Accountant, Securities and Exchange Commission</font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mark Brunhofer, Senior Staff Accountant, Securities and Exchange Commission</font></div><div><br></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>allstatea01a01a10.jpg
<TEXT>
begin 644 allstatea01a01a10.jpg
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M0E*R(W,4!2#!<C! H='A8I(S0U,D\(*B4/'28Q7_Q  G$@ ! @,'!0$!
M       1  $00"$@,%!187&!8#%! A*A8O_$ "L3 0 " @$# @4% 0$!
M  $ $2$Q05%A<8&Q$/"1H<$@,$#1X?%08/_:  P# 0 "$ ,0   !W\   'PX
M>XHN2*FWLZ M4INO9L5:[;J=_IY[       'Y>1,L$)8K>_<5?FKQ4D4/)Q4
M+E36<C;O5&_*Q3@      <G4>:Z^#)<=Q-BK4[%2U4M/-M',\$EZS]:0CDU/
M,T>[B4      1<D&)_0_(RT5CDZ\K=BK:*>E2K=67@MRD-FMR\_T7B:\I#.
M     (N6#^=OI?D;E1TCSFZYFZ]RJ6:_5'+X.H25_0V-IRT%@      1\D.-
M;6#S^=VBM8AIH9Z"U!RQ>_/=*M5[U5M:IF:/9Q(      !7[-3%=?(C>FGYV
MA"S0>'<:6I^([6M96K+PV0       (^2&CW:=*M5^7OB:C\O5.[:*EWKXD
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M6=+90 KR(01R\J6E9N:N03SS4=N\>:?M*.R@-5N/W-7'*-9P)B_&;+;@Q?\
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MF>[-DP<R=&%WF&;)NFJ&VSH#X75FV:9OAE$W\Y_#R3/ 3R2]'PO9GNS9!O\
M$"PC&YRFR4Y<<57YF <35F^' LKOU@Y)LF!:N)27[$QGP>HE_98B/4Q2Z^!O
M(GA0!4NV;^#M<_"2L;@#<W3?P3J8'69X4,3)_P#&?__:  P# 0 "$0,1   0
M    C8.B        ]*]J7       #FV#8?       =4)9F       #5)M;(
M      [S\2I@         4&8        M\\(          @      'L&0 #H
M      ]0RV>>^E>%( N*&0_J=$AK'X#90R!]D4YW2] C:&6Z*74/W=O5$'<K
MGM0UR4@P  $$@  @ $@  206"BB66VR   F0  V6P6R0 __:  @! 0,!/Q#]
MA$@"U< '+"@78 >3EO'+AEL=S$U7)Y;G$*YREU_"(N^^LOW=:_8S-Z?0S9U0
MT3/BV',A&&P(!/%-?2'#@VBUJK#? T]OX(74&J %JQA!M(SP NC)RNS8C4T9
MQ5MM/' LM5:3[,OL,&L6JSW/'-DHXTP;('3<."SG W@T#9! L(()H\1[&N_3
MO+WIM[O7ESJ%0](%8?*<BA96'&3]\6N> 2L+VL?A.5<2+C'@5?23)A/!0&#B
MT,05>_F5&[RN/QWIVK0;S\IF=FZ)H"JHBA- W721G]6_>@M[#VC'3\@):>6L
MGJOWQ=H*WC^Y<>6ZE8I!/B[CD0S7Q7Z741 @LBIOKI_9E%?$)2LSHCW8:W>&
MB(ID0*?2 J8A5FRN*%]&7NJGYP7#($5O%9U4/M+-2T \.0_?E*9ANDNOHL1J
MNZ2FQZ"$'+9+Z#F@8KDCB$;+,04711H65BY171UQ:8T,&P;4"+F( %-:!JL>
M=4CZOJ<PF04:N1H@0$DK*;%#"XP];XB)!0R)T5GD@^R%#"87Y4E&(];,J>B/
M7]\21(!=$TK:P/KUC7":[ NU8Y;K<#8%9X+0M7 UM#JP]E5 X WEKG]D5-ZT
M"[>0\ICK=K;G##.2*. <8XAEGVM78B:PS>'<Q&N0)N7R%5T)XAZC6*W,_*P5
M\;S<+T[RMAVO%'B'RMF]8"%7H0]C^ ,8Q8LK0,I>XYPP+@X7[0WRBVL'AAUV
M3T0PT2RQE[S.-J@NP-+AFHY+'8N<7)R"!-/^MX*_3<NT+R_Y[NMW:H#LEPTR
M-L[2O1R\S8"RTERL=C3!6#@O+_":L]:S7:M"O*NY+F&B0SLH+Y/,1@#GUF.3
M[0NN_P#.FO<18+VS#S (ZPW83:*RZ>*4S;%4B.Q [(G>_P"-0; OK^^XD#(
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MO=QR&C8VYA+%YK4NJ(DJI#B"6Q1=.<RZD<\/@Q.EE9+=3 :YKL*$&F%MF.:
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MK+ZQFO@YE"N_O)CV_2?+Y.\ W7U@S%^C^X 4HT@%?'V^<_\ @U^JOAQ\:_\
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MR$6$$0PJB32YC-^&>/I#'ESY^&+EV,PBJF#J:JLQO3=WB,1LO/\ DK$U5?:
M<5"G->K^I06>KUF2Z]T+-'UC #1^\%<A]88WOE>#TA!7+Q+-U>Z=H^L^9HQK
40?2*<UZOZB(&UW%;^?O_ /&?_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
