One of Allstate Workplace Division's great strengths is the complementary nature of our marketing divisions and corporate affiliates. American Heritage Life affiliates include:

Concord Heritage Life Insurance Company
American Heritage Insurance Services (AHiS)
First Colonial Insurance Company

Concord Heritage Life Insurance Company
Concord Heritage Life was founded in 1965 under the name Concord General Life, and was acquired by us in 1997.

Concord Heritage Life markets supplemental life and health insurance products through workplace marketing and is licensed in 15 states. In addition, other products are made available to individual markets.

Our partnership with the agents of Concord Heritage Life allows our us the opportunity to serve the supplemental insurance needs of a significantly greater number of customers in the Northeast.
Concord Heritage Life complements Allstate Workplace Division's focus on Workplace Marketing.

Workplace Products

		Freedom Life:
		An Interest Sensitive Whole Life product with premiums payable to age 95. The minimum premium is $3.00/week and can be issued from 0 - 80 years old. Critical Illness and Level Term riders are available to age 65. A similar product is also available on an individual, direct bill basis.
		Freedom Disability:
		Concord Heritage Life offers a payroll disability income product which is guaranteed renewable to age 65 subject to change in premiums by class. It provides a monthly benefit equal to 60% of gross earnings not to exceed $2,000 ($3,000 for groups over 50 lives). This product is also available on an individual, direct bill basis.

Direct Products

		Mortgage Protection:
		A decreasing term product available with a disability income rider. It is versatile and may be used to insure any kind of loan/commitment. This product offers a choice of amortization schedule and benefit periods. Minimum issue is $25,000.
		Five-Year Renewable & Convertible Term:
		This product provides a level death benefit. Premiums increase every fifth policy anniversary. Available ages 20 through 65, the minimum face amount is $50,000.

Group Products

		Group Term Life and AD&D:
		For 10 or more lives, when the employer pays at least 25% of the premium. Supplemental employee paid group term also available.
		Group Short Term Disability:
		For 10 or more lives, when the employer pays at least 25% of the premium. Elimination periods from 0 - 7 through 30 - 30. Benefit periods 13, 26 and sometimes 52 weeks.

ERJ Insurance Group, Inc. d/b/a/ American Heritage Insurance Services (AHiS)
AHiS is an American Heritage Life affiliate and part of our Credit Division.

AHiS, based in Miami, Florida, functions as a sales training company in the banking and automotive markets.

AHiS is currently contracted nationally with manufacturers, lenders and dealers for Finance, Insurance, and Sales and Lease Training.

For the last 20 years, AHiS has been developing a niche, providing a comprehensive array of products and services to assist our Dealer Partners in maximizing the productivity and profitability of their respective Finance, Insurance and Sales Departments.

AHiS is a company with a strong reputation for excellence and has a proven record of increasing their clients' profits while providing an unmatched level of service.

This partnership brings our clients a broader offering in the area of training services, supplemental products, and credit insurance.

Training and Consultation
 Sales Training
 Lease Training
 Finance and Insurance Analysis
 Expense Analysis
  Employee Placement Services
  F&I Employee Placement Services
  F&I Fill-in Assistance
  Motivator Incentive Programs

GAP Protection
 Profit Participation
 Private Label Programs
  Approved by Lending Institutions

Chargeback Indemnity
  Eliminates Charge-back Liabilities and Lender Splits
  Automated Reconciliation and F&I Management Reports

Service Agreements
  Profit Participation, Reinsurance Options
  Used-Vehicle Certification Programs
  Competitive Industry Pricing
  Nationwide Provider of Vehicle Service Contracts

Credit Insurance
 

First Colonial Insurance Company (Property and Casualty Products)
First Colonial is a credit property and casualty company licensed in 46 states. First Colonial products provide protection of the loan repayment obligation to the lender.

Credit Property/Installment Sales Floater (ISF) provides coverage on personal property taken as collateral, purchased through retail outlets, or financed through the use of a revolving charge account. This coverage pays to repair or replace the damaged property.

Collateral Protection (CPP) provides coverage to banks and the consumer finance industry as well as the consumer on property taken as collateral in the event that loan customers do not maintain proper physical damage coverage. Automobiles are, by far, the largest type of exposure, but the program also covers small boats, travel trailers, and mobile homes.

Involuntary Unemployment Insurance (IUI) protects both debtors and creditors in the event of the involuntary unemployment of the debtor.

Guaranteed Automobile Protection (GAP) reimburses creditors and lenders who waive the difference between the primary insurance settlement and the outstanding balance of the vehicle on the date of loss.