¹ The Rider is attached to the policy when it is issued. If the Rider benefit is elected, the policy will not lapse even if policy loans exceed the surrender value. There is no charge for the Rider unless the benefit is elected, when a one-time charge of 4.5% of the policy value will be deducted. The Rider benefit is only available if certain conditions are met. These conditions include, that are not limited to, the requirement that the policy be in force for 15 years, the insured has attained age 75, the sum of all withdrawals must be at least equal to the sum of all premiums paid, and the Death Benefit selected under the policy must be Death Benefit Option 1. The Rider benefit is not available if the policy is a Modified Endowment Contract (MEC) or would become a MEC upon exercise. Please consult your tax advisor before electing benefits under the Rider. For more information on the terms, conditions, and use of the Rider please refer to the policy contract and prospectus.

² Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the surrender proceeds exceed your investment in the contract, which is also called the “basis.” In some situations, partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. Unpaid interest on loans is added to the loan principal, thereby increasing the total debt on the policy. The combination of an increasing loan balance, and deductions for contract charges and fees, may cause the policy to lapse, triggering ordinary income tax on the outstanding loan balance to the extent it exceeds the cost basis in the policy. If a policy is a modified endowment contract, loans are treated as taxable distributions to the extent of the policy gain. Loans, withdrawals and surrenders are treated first as distributions of the policy gain subject to ordinary income taxation, and may also be subject to an additional 10% penalty tax if made prior to age 59 ½. Loans, if not repaid, reduce the policy’s death benefit and cash surrender value. Please note that neither Lincoln Benefit Life Company, Lincoln, NE, nor its representatives can give legal or tax advice. For complete details, consult your attorney of tax advisor. Policy and rider issuance is subject to state availability. Terms and limitations will apply.

Guarantees are based on the claims-paying ability of Lincoln Benefit Life Company.

Consultant Accumulator Variable Universal Life Insurance Policy (VUL0220) and Consultant Protector Variable Universal Life Insurance Policy (VUL0230) are issued by Lincoln Benefit Life Company, home office, Lincoln, NE, and underwritten by ALFS, Inc. Lincoln Benefit Life Company and ALFS are wholly owned subsidiaries of Allstate Life Insurance Company.

Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges and expenses of the investment alternatives before selling a policy. These policies have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, the underlying portfolios, fees, charges, expenses and other pertinent information. This material is approved for Broker/Dealer use only and may not be quoted, reproduced or shown to members of the public, nor used in electronic or written form as sales literature for public use.To obtain a prospectus or a copy of the underlying portfolio prospectuses, please contact Lincoln Benefit Life Company or go to accessallstate.com. Please read the prospectuses carefully before selling a contract.

For Broker-Dealer Use Only — this material may not be quoted, reproduced or shown to members of the public, nor used in electronic or written form as sales literature for public use.

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