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Reportable Segments | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Reportable Segments |
Note 4 | Reportable Segments
Measuring segment profit or loss The measure of segment profit or loss used in evaluating performance is underwriting income for the Allstate Protection and Run-off Property-Liability segments and adjusted net income for the Protection Services and Corporate segments. The dispositions of the EVB and group health businesses did not qualify for discontinued operations. Starting in the third quarter of 2025, the Allstate Health and Benefits segment is no longer a reportable segment, with results of this segment recast to reflect only the results of the EVB and group health businesses. The retained individual health business, previously included in the Allstate Health and Benefits segment, is a non-reportable segment with results included in all other for all periods presented. Allstate Protection and Run-off Property-Liability segments comprise Property-Liability. The Company does not allocate investment income, net gains and losses on investments and derivatives, or assets to the Allstate Protection and Run-off Property-Liability segments. Management reviews assets at the Property-Liability, Protection Services and Corporate levels for decision-making purposes. Underwriting income is calculated as premiums earned and other revenue, less claims and claims expenses, amortization of deferred policy acquisition costs (“DAC”), operating costs and expenses, amortization or impairment of purchased intangibles and restructuring and related charges as determined using GAAP. Adjusted net income (loss) is net income (loss) applicable to common shareholders, excluding:
• | Net gains and losses on investments and derivatives
• | Pension and other postretirement remeasurement gains and losses
• | Amortization or impairment of purchased intangibles
• | Gain or loss on disposition
• | Adjustments for other significant non-recurring, infrequent or unusual items, when (a) the nature of the charge or gain is such that it is reasonably unlikely to recur within two years, or (b) there has been no similar charge or gain within the prior two years
• | Income tax expense or benefit on reconciling items
A reconciliation of these measures to net income (loss) applicable to common shareholders is provided below.
Reportable segments financial performance
|  | Three months ended September 30, |  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Underwriting income (loss) by segment |  |  |  |  |  |  |  |
Allstate Protection |  | $ | 3,040 |  |  | $ | 555 |  |  | $ | 4,687 |  |  | $ | 1,316 |
Run-off Property-Liability |  | (146) |  |  | (60) |  |  | (153) |  |  | (68) |
Adjusted net income (loss) by segment, after-tax |  |  |  |  |  |  |  |
Protection Services |  | 46 |  |  | 58 |  |  | 161 |  |  | 167 |
Allstate Health and Benefits |  | — |  |  | 32 |  |  | 43 |  |  | 133 |
Corporate |  | (87) |  |  | (110) |  |  | (278) |  |  | (320) |
Reconciliation of segment performance measures to net income (loss) applicable to common shareholders |  |  |  |  |  |  |  |
Allstate Protection and Run-off Property-Liability net investment income |  | 873 |  |  | 708 |  |  | 2,343 |  |  | 2,053 |
Net gains (losses) on investments and derivatives |  | 252 |  |  | 243 |  |  | (241) |  |  | (24) |
Pension and other postretirement remeasurement gains (losses) |  | 108 |  |  | (26) |  |  | 30 |  |  | (15) |
Amortization of purchased intangibles (1) |  | (13) |  |  | (19) |  |  | (37) |  |  | (56) |
Gain on disposition |  | 723 |  |  | 1 |  |  | 1,616 |  |  | 6 |
All other (2) |  | (7) |  |  | 5 |  |  | (16) |  |  | 18 |
Income tax (expense) benefit on Allstate Protection and Run-off Property-Liability and reconciling items (3) |  | (1,073) |  |  | (251) |  |  | (1,803) |  |  | (588) |
Total reconciling items |  | 863 |  |  | 661 |  |  | 1,892 |  |  | 1,394 |
Less: Net loss attributable to noncontrolling interest (4) |  | (1) |  |  | (25) |  |  | (10) |  |  | (29) |
Net income applicable to common shareholders |  | $ | 3,717 |  |  | $ | 1,161 |  |  | $ | 6,362 |  |  | $ | 2,651 |
(1)Excludes amortization of purchased intangibles in Allstate Protection, which is already included above in underwriting income. (2)Includes results of the individual health business, which was previously included within the Allstate Health and Benefits segment. Prior period results were recast to reflect the historical results of the individual health business. (3)The tax computation of the reporting segments and income tax benefit (expense) on reconciling items to net income (loss) are computed discretely based on the tax law of the jurisdictions applicable to the reporting entities. (4)Reflects net loss attributable to noncontrolling interest in Allstate Protection.
Reportable segments revenue information
($ in millions) |  | Three months ended September 30, |  | Nine months ended September 30,
| 2025 |  | 2024 |  | 2025 |  | 2024
Allstate Protection |  |  |  |  |  |  |  |
Insurance premiums |  |  |  |  |  |  |  |
Auto |  | $ | 9,593 |  |  | $ | 9,270 |  |  | $ | 28,468 |  |  | $ | 27,127 |
Homeowners |  | 3,880 |  |  | 3,403 |  |  | 11,308 |  |  | 9,812 |
Other personal lines |  | 800 |  |  | 718 |  |  | 2,320 |  |  | 2,078 |
Commercial lines |  | 99 |  |  | 151 |  |  | 316 |  |  | 478 |
Other business lines |  | 161 |  |  | 152 |  |  | 494 |  |  | 438 |
Total Allstate Protection insurance premiums |  | 14,533 |  |  | 13,694 |  |  | 42,906 |  |  | 39,933 |
Other revenue |  | 518 |  |  | 531 |  |  | 1,510 |  |  | 1,402 |
Total Allstate Protection |  | 15,051 |  |  | 14,225 |  |  | 44,416 |  |  | 41,335 |
Run-off Property-Liability |  | — |  |  | — |  |  | — |  |  | — |
Protection Services |  |  |  |  |  |  |  |
Protection plans |  | 552 |  |  | 480 |  |  | 1,593 |  |  | 1,372 |
Roadside assistance |  | 42 |  |  | 34 |  |  | 117 |  |  | 115 |
Protection and insurance products |  | 126 |  |  | 125 |  |  | 376 |  |  | 377 |
Intersegment premiums and service fees (1) |  | 33 |  |  | 49 |  |  | 106 |  |  | 123 |
Other revenue |  | 124 |  |  | 110 |  |  | 363 |  |  | 293 |
Net investment income |  | 25 |  |  | 24 |  |  | 74 |  |  | 68 |
Net gains (losses) on investments and derivatives |  | 10 |  |  | 10 |  |  | 1 |  |  | 4 |
Total Protection Services |  | 912 |  |  | 832 |  |  | 2,630 |  |  | 2,352 |
Allstate Health and Benefits |  |  |  |  |  |  |  |
Employer voluntary benefits |  | — |  |  | 248 |  |  | 243 |  |  | 742 |
Group health |  | — |  |  | 120 |  |  | 247 |  |  | 358 |
Other revenue |  | — |  |  | 81 |  |  | 163 |  |  | 245 |
Net investment income |  | — |  |  | 25 |  |  | 24 |  |  | 69 |
Net gains (losses) on investments and derivatives |  | — |  |  | (6) |  |  | (1) |  |  | (3) |
Total Allstate Health and Benefits |  | — |  |  | 468 |  |  | 676 |  |  | 1,411 |
Corporate |  |  |  |  |  |  |  |
Other revenue |  | 24 |  |  | 17 |  |  | 62 |  |  | 56 |
Net investment income |  | 49 |  |  | 25 |  |  | 108 |  |  | 64 |
Net gains (losses) on investments and derivatives |  | 85 |  |  | 17 |  |  | 122 |  |  | 19 |
Total Corporate |  | 158 |  |  | 59 |  |  | 292 |  |  | 139 |
Reconciliation of revenue |  |  |  |  |  |  |  |
Allstate Protection and Run-off Property-Liability net investment income |  | 873 |  |  | 708 |  |  | 2,343 |  |  | 2,053 |
Allstate Protection and Run-off Property-Liability net gains (losses) on investments and derivatives |  | 157 |  |  | 222 |  |  | (362) |  |  | (43) |
All other |  | 137 |  |  | 162 |  |  | 451 |  |  | 476 |
Intersegment eliminations (1) |  | (33) |  |  | (49) |  |  | (106) |  |  | (123) |
Consolidated revenues |  | $ | 17,255 |  |  | $ | 16,627 |  |  | $ | 50,340 |  |  | $ | 47,600 |
(1)Intersegment insurance premiums and service fees are primarily related to Arity and Roadside and are eliminated in the condensed consolidated financial statements.
Reportable segments expense information used in measure for segment profit or loss
|  | Three months ended September 30, |  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Allstate Protection |  |  |  |  |  |  |  |
Claims and claims expense excluding catastrophe losses and prior year reserve reestimates (1) |  | $ | 8,304 |  |  | $ | 8,501 |  |  | $ | 25,467 |  |  | $ | 25,701 |
Catastrophe losses |  | 558 |  |  | 1,703 |  |  | 4,750 |  |  | 4,554 |
Non-catastrophe prior year reserve reestimates |  | (542) |  |  | (14) |  |  | (1,158) |  |  | (73) |
Amortization of DAC |  | 1,757 |  |  | 1,696 |  |  | 5,231 |  |  | 4,977 |
Advertising expense |  | 575 |  |  | 519 |  |  | 1,540 |  |  | 1,204 |
Amortization of purchased intangibles |  | 46 |  |  | 52 |  |  | 138 |  |  | 154 |
Restructuring and related charges |  | 15 |  |  | 23 |  |  | 44 |  |  | 45 |
Other segment expenses (2) |  | 1,298 |  |  | 1,190 |  |  | 3,717 |  |  | 3,457 |
Total |  | 12,011 |  |  | 13,670 |  |  | 39,729 |  |  | 40,019 |
Run-off Property-Liability |  |  |  |  |  |  |  |
Claims and claims expense prior year reserve reestimates (3) |  | 146 |  |  | 59 |  |  | 151 |  |  | 65 |
Other segment expenses (2) |  | — |  |  | 1 |  |  | 2 |  |  | 3 |
Total |  | 146 |  |  | 60 |  |  | 153 |  |  | 68 |
Protection Services |  |  |  |  |  |  |  |
Claims and claims expense |  | 193 |  |  | 166 |  |  | 524 |  |  | 481 |
Amortization of DAC |  | 337 |  |  | 304 |  |  | 983 |  |  | 889 |
Non-deferrable commissions |  | 116 |  |  | 94 |  |  | 327 |  |  | 251 |
Restructuring and related charges |  | 1 |  |  | — |  |  | 2 |  |  | 1 |
Other segment expenses (2) |  | 194 |  |  | 186 |  |  | 582 |  |  | 509 |
Income taxes on operations |  | 16 |  |  | 15 |  |  | 51 |  |  | 51 |
Total |  | 857 |  |  | 765 |  |  | 2,469 |  |  | 2,182 |
Allstate Health and Benefits |  |  |  |  |  |  |  |
Accident, health and other policy benefits |  | — |  |  | 255 |  |  | 379 |  |  | 723 |
Amortization of DAC |  | — |  |  | 30 |  |  | 30 |  |  | 90 |
Restructuring and related charges |  | — |  |  | 1 |  |  | — |  |  | 2 |
Other segment expenses (2) |  | — |  |  | 147 |  |  | 213 |  |  | 430 |
Income taxes on operations |  | — |  |  | 9 |  |  | 12 |  |  | 36 |
Total |  | — |  |  | 442 |  |  | 634 |  |  | 1,281 |
Corporate |  |  |  |  |  |  |  |
Interest expense |  | 101 |  |  | 104 |  |  | 301 |  |  | 299 |
Restructuring and related charges |  | — |  |  | 3 |  |  | — |  |  | 2 |
Other segment expenses (2) |  | 42 |  |  | 39 |  |  | 119 |  |  | 128 |
Income taxes on operations |  | (12) |  |  | (23) |  |  | (60) |  |  | (77) |
Preferred stock dividends |  | 29 |  |  | 29 |  |  | 88 |  |  | 88 |
Total |  | $ | 160 |  |  | $ | 152 |  |  | $ | 448 |  |  | $ | 440 |
(1)Includes Allstate Protection incurred loss adjustment expenses, net of reinsurance of $741 million and $732 million during the three months ended September 30, 2025 and 2024, respectively, and $2.22 billion and $2.14 billion during the nine months ended September 30, 2025 and 2024, respectively. (2)Includes employee-related costs, professional services, technology and other operating costs and expenses. (3)Includes Run-off Property-Liability incurred loss adjustment expenses, net of reinsurance of $24 million and $4 million during the three months ended September 30, 2025 and 2024, respectively, and $28 million and $7 million during the nine months ended September 30, 2025 and 2024, respectively.
Additional significant financial performance data
|  | Three months ended September 30, |  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Amortization of DAC |  |  |  |  |  |  |  |
Allstate Protection |  | $ | 1,757 |  |  | $ | 1,696 |  |  | $ | 5,231 |  |  | $ | 4,977 |
Protection Services |  | 337 |  |  | 304 |  |  | 983 |  |  | 889 |
Allstate Health and Benefits |  | — |  |  | 30 |  |  | 30 |  |  | 90 |
All other |  | 7 |  |  | 7 |  |  | 20 |  |  | 21 |
Consolidated |  | $ | 2,101 |  |  | $ | 2,037 |  |  | $ | 6,264 |  |  | $ | 5,977 |
Amortization of purchased intangibles |  |  |  |  |  |  |  |
Allstate Protection |  | $ | 46 |  |  | $ | 52 |  |  | $ | 138 |  |  | $ | 154 |
Protection Services |  | 10 |  |  | 12 |  |  | 28 |  |  | 36 |
Allstate Health and Benefits |  | — |  |  | 3 |  |  | 1 |  |  | 9 |
All other |  | 3 |  |  | 4 |  |  | 8 |  |  | 11 |
Consolidated |  | $ | 59 |  |  | $ | 71 |  |  | $ | 175 |  |  | $ | 210 |
Income tax expense (benefit) |  |  |  |  |  |  |  |
Allstate Protection and Run-off Property-Liability |  | $ | 817 |  |  | $ | 257 |  |  | $ | 1,315 |  |  | $ | 599 |
Protection Services |  | 15 |  |  | 14 |  |  | 44 |  |  | 43 |
Allstate Health and Benefits (1) |  | 216 |  |  | 8 |  |  | 474 |  |  | 34 |
Corporate |  | 29 |  |  | (25) |  |  | (26) |  |  | (75) |
All other |  | (2) |  |  | — |  |  | (5) |  |  | 2 |
Consolidated |  | $ | 1,075 |  |  | $ | 254 |  |  | $ | 1,802 |  |  | $ | 603 |
(1)Includes income tax expense on the gain on sale of the EVB and group health businesses. Capital expenditures for long-lived assets are generally made at the Property-Liability level as the Company does not allocate assets to the Allstate Protection and Run-off Property-Liability segments. A portion of these long-lived assets are used by entities included in the Protection Services, Corporate and until July 1, 2025, Allstate Health and Benefits segments and accordingly, are charged to these segments in proportion to their use.
Reportable segments total assets, investments and deferred policy acquisition costs
($ in millions) |  | September 30, 2025 |  | December 31, 2024
Assets |  |  |  |
Allstate Protection and Run-off Property-Liability |  | $ | 105,668 |  |  | $ | 96,988 |
Protection Services |  | 8,442 |  |  | 7,540 |
Allstate Health and Benefits |  | — |  |  | 3,714 |
Corporate |  | 5,318 |  |  | 2,727 |
All other |  | 974 |  |  | 648 |
Consolidated |  | $ | 120,402 |  |  | $ | 111,617 |
Investments (1) |  |  |  |
Allstate Protection and Run-off Property-Liability |  | $ | 74,390 |  |  | $ | 67,671 |
Protection Services |  | 2,501 |  |  | 2,228 |
Allstate Health and Benefits (2) |  | — |  |  | 219 |
Corporate |  | 5,240 |  |  | 2,332 |
All other |  | 197 |  |  | 160 |
Consolidated |  | $ | 82,328 |  |  | $ | 72,610 |
Deferred policy acquisition costs |  |  |  |
Allstate Protection |  | $ | 2,802 |  |  | $ | 2,548 |
Protection Services |  | 3,212 |  |  | 3,161 |
Allstate Health and Benefits (2) |  | — |  |  | 1 |
All other |  | 81 |  |  | 63 |
Consolidated |  | $ | 6,095 |  |  | $ | 5,773 |
(1)The balances reflect the elimination of related party investments between segments. (2)As of December 31, 2024, $1.91 billion of investments and $521 million of deferred policy acquisition costs were classified as held for sale and not included in the table above.

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name 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