<SEC-DOCUMENT>0001104659-19-059554.txt : 20191104
<SEC-HEADER>0001104659-19-059554.hdr.sgml : 20191104
<ACCEPTANCE-DATETIME>20191104165233
ACCESSION NUMBER:		0001104659-19-059554
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20191104
DATE AS OF CHANGE:		20191104

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-224541
		FILM NUMBER:		191190503

	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

FILED BY:		

	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:		FWP

	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>FWP
<SEQUENCE>1
<FILENAME>a19-21521_3fwp.htm
<DESCRIPTION>FWP
<TEXT>


<html>
<head>



  </head>
<body link=blue lang="EN-US">
<div style="font-family:Times New Roman;">
<p align="right" style="margin:0in 0in .0001pt;text-align:right;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="right" style="margin:0in 0in .0001pt;text-align:right;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Filed Pursuant to Rule&nbsp;433</font></p>
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Registration Statement No.&nbsp;333-224541</font></p>
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Relating to Preliminary Prospectus</font></p>
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Supplement dated November&nbsp;4, 2019 to</font></p>
<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Prospectus dated April&nbsp;30, 2018</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman"><img width="185" height="132" src="g215213bgi001.jpg"></font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">THE ALLSTATE CORPORATION</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold;">12,000,000 </font>DEPOSITARY SHARES EACH REPRESENTING A 1/1,000TH INTEREST IN A SHARE OF</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">FIXED RATE NONCUMULATIVE PERPETUAL PREFERRED STOCK, SERIES I</font></b></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">FINAL TERM SHEET</font></b></p>
<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Dated November&nbsp;</font></b><b>4, 2019</b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;">
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Issuer:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The Allstate   Corporation</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Security Type:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Depositary shares (the   &#147;Depositary Shares&#148;) each representing a 1/1,000th interest in a share of   Fixed Rate Noncumulative Perpetual Preferred Stock, Series&nbsp;I, of the   Issuer (the &#147;Preferred Stock&#148;)</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Expected Ratings:*</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Baa2 (stable)/ BBB   (stable) (Moody&#146;s/ S&amp;P)</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Format:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">SEC Registered</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Size:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$300,000,000   (12,000,000 Depositary Shares)</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Liquidation Preference:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$25,000 per share of   Preferred Stock (equivalent of $25 per Depositary Share)</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Term:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Perpetual</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Dividend Rate (Noncumulative):</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4.750% per annum, only   when, as and if declared</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Dividend Payment Dates:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Quarterly in arrears on   January&nbsp;15, April&nbsp;15, July&nbsp;15 and October&nbsp;15 of each   year, commencing on January&nbsp;15, 2020</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Trade Date:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">November&nbsp;4, 2019</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Settlement Date:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">November&nbsp;8, 2019   (T+4)</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Optional Redemption:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The Issuer may, at its   option, redeem the shares of Preferred Stock (i)&nbsp;in whole but not in   part at any time prior to January&nbsp;15, 2025, within 90&nbsp;days after   the occurrence of a &#147;rating agency event&#148; at a redemption price equal to   $25,500 per share (equivalent to $25.50 per Depositary Share), plus any   declared and unpaid dividends, without regard to any undeclared dividends,   to, but excluding, the redemption date, or (ii)&nbsp;(a)&nbsp;in whole but   not in part at any time prior to January&nbsp;15, 2025, within 90 days after   the occurrence of a &#147;regulatory capital event,&#148; or (b)&nbsp;in whole or in   part, from time to time, on any dividend payment date on or after   January&nbsp;15, 2025, in each case, at a redemption price equal to $25,000   per share (equivalent to $25 per Depositary Share), plus any declared and   unpaid dividends, without regard to any undeclared dividends, to, but   excluding, the redemption date.</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Listing:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Application will be   made to list the Depositary Shares on the New York Stock Exchange (the   &#147;NYSE&#148;) under the symbol &#147;ALL PR I&#148;. If approved for listing, trading of the</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade align="left" style="color:#010101;"></div>
</div>
<!-- SEQ.=1,FOLIO='',FILE='C:\JMS\C905632\19-21521-3\task9527040\21521-3-bg.htm',USER='C905632',CD='Nov  5 00:50 2019' -->

<div style="page-break-before:always;"></div>
<div style="font-family:Times New Roman;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;">
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:1.0pt;font-weight:bold;">&nbsp;</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Depositary Shares on   the NYSE is expected to commence within a 30-day period after the original   issuance date of the Depositary Shares.</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CUSIP/ISIN of Depositary   Shares:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">020002 812 /   US0200028126</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Public Offering Price:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$25.00 per Depositary   Share</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Underwriting&nbsp;Discounts&nbsp;and&nbsp;Commissions:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$7,513,388</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Joint Book-Runners:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">BofA   Securities,&nbsp;Inc. <br>   Morgan Stanley&nbsp;&amp; Co. LLC <br>   Wells Fargo Securities, LLC <br>   J.P. Morgan Securities LLC</font></p>    </td>   </tr>
<tr>
<td width="35%" valign="top" style="padding:0in 0in 0in 0in;width:35.8%;">
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Co-Managers:</font></b></p>    </td>
<td width="64%" valign="top" style="padding:0in 0in 0in 0in;width:64.2%;">
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Goldman   Sachs&nbsp;&amp; Co. LLC <br>   Barclays Capital Inc. <br>   U.S. Bancorp Investments,&nbsp;Inc. <br>   Citigroup Global Markets Inc. <br>   BNY Mellon Capital Markets, LLC</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<div style="margin:0in 0in .0001pt;"><hr size="1" width="25%" noshade align="left" style="color:black;"></div>
<p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">*</font></b> Note: An explanation of the significance of ratings may be obtained from the rating agencies. Generally, rating agencies base their ratings on such material and information, and such of their own investigations, studies and assumptions, as they deem appropriate. The ratings of the Depositary Shares should be evaluated independently from similar ratings of other securities. A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the assigning rating agency.</p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">We expect that delivery of the Depositary Shares will be made against payment therefor on or about November&nbsp;8, 2019, which is four business days following the date of pricing of the Depositary Shares (this settlement cycle being referred to as &#147;T+4&#148;). Under Rule&nbsp;15c6-1&nbsp;of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in two business days, unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade their Depositary Shares on any date prior to two business days before delivery will be required, by virtue of the fact that the Depositary Shares initially will settle in T+4, to specify an alternate settlement cycle at the time of any such trade to prevent a failed settlement. Purchasers of Depositary Shares who wish to trade their Depositary Shares on any date prior to two business days before delivery should consult their own advisor.</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="font-size:10.0pt;margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">The Allstate Corporation has filed a registration statement (including a prospectus and related prospectus supplement) with the U.S. Securities and Exchange Commission (the &#147;SEC&#148;) for the offering to which this communication relates.&nbsp; Before you invest, you should read the prospectus supplement and prospectus for this offering in that registration statement, and other documents that The Allstate Corporation has filed with the SEC for more complete information about the issuer and this offering.&nbsp; You may get these documents for free by searching the SEC online database (EDGAR&#174;) at <i>www.sec.gov</i>.&nbsp; Alternatively, you may obtain a copy of the prospectus by contacting BofA Securities,&nbsp;Inc. toll-free at 1-800-294-1322; Morgan Stanley&nbsp;&amp; Co. LLC </font></b><b><font style="font-weight:bold;">toll-free </font>at 1-866-718-1649; Wells Fargo Securities, LLC toll-free at 1-800-645-3751 or J.P. Morgan Securities LLC collect at 1-212-834-4533.</b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">2<a name="PB_2_004053_6311"></a></p>
<div style="margin:0in 0in .0001pt;"><hr size="3" width="100%" noshade align="left" style="color:#010101;"></div>
</div>
<!-- SEQ.=1,FOLIO='2',FILE='C:\JMS\C905632\19-21521-3\task9527040\21521-3-bg.htm',USER='C905632',CD='Nov  5 00:50 2019' -->

</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>g215213bgi001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g215213bgi001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  H'!PD'!@H)" D+"PH,#QD0#PX.
M#QX6%Q(9)" F)2,@(R(H+3DP*"HV*R(C,D0R-CL]0$! )C!&2T4^2CD_0#W_
MVP!# 0L+"P\-#QT0$!T]*2,I/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3T]
M/3T]/3T]/3T]/3T]/3T]/3T]/3T]/3W_P  1" "$ +D# 2(  A$! Q$!_\0
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M=M;7J%)U )4MGKTYKU[P[XFM/$4#- &CFBQYD3]1[@]Q7GGQ!_Y&^X_W(_\
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M[:FT23$)( @RF[.<'G\J .UHK"T.^M(+>6%HTM"DXB*^=YB%V P%8^OI6[0
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
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
