* Measures used in this release that are not based on accounting principles generally accepted in the United States of America ("non-GAAP") are defined and reconciled to the most directly comparable GAAP measure and operating measures are defined in the "Definitions of Non-GAAP and Operating Measures" section of this document.

** As a result of the adoption of new earnings per share accounting guidance in the first quarter of 2009, prior periods have been restated.

"Allstate delivered strong operating income of $538 million and increased book value per share by 16% during the third quarter, thanks to our operating discipline and proactive approach to investing," said Thomas J. Wilson, chairman, president and chief executive officer of The Allstate Corporation. "For the third quarter in a row, customer loyalty increased and we delivered a double-digit percentage increase in new standard auto business. By focusing on the customer and maintaining our financial strength, we are building a foundation for sustainable growth."

Consolidated Financial Results

Total revenues for the third quarter of 2009 were $7.6 billion, an increase of 3.6% compared to the third quarter of 2008. This reflected lower realized capital losses than the prior year quarter, partially offset by a decrease in net investment income and property-liability premiums. Allstate's third quarter net income was $221 million and operating income was $538 million, compared to a net loss of $923 million and an operating loss of $190 million in the third quarter of 2008. Lower catastrophe losses contributed to the improvement in operating income. The net income improvement reflected higher operating income and lower realized capital losses in the third quarter of 2009 compared to the prior year quarter.

Property-Liability Combined Ratio Reflects Continued Strength in Auto

Allstate's Property-Liability business produced a combined ratio of 94.7 in the third quarter of 2009, resulting from continued margin strength in the auto business and actions taken to reduce expenses, partly offset by the impact of catastrophe losses on the homeowners business. The underlying combined ratio was 88.0 in the third quarter and 88.1 in the first nine months of 2009, within the company's 87-89 outlook range for the full year. Management anticipates that the underlying combined ratio for the full year 2009 will be within its previous outlook range.

Allstate brand standard auto premiums written for the third quarter of 2009 were comparable to the prior year third quarter, with new issued applications increasing 12.0% and the renewal ratio increasing 0.2 points to 89.1. Policies in force declined 1.3% versus the prior year quarter as improved sales and retention were offset by fewer policies available to renew. The combined ratio was 92.7, up 1.7 points from the third quarter of 2008, primarily due to higher loss frequency, as frequency returned to historical norms following low levels in 2008. Average claim cost increases were within expectations.

Allstate brand homeowners premiums written for the third quarter of 2009 declined 0.2% compared to the same period a year ago, resulting from a 4.1% decline in policies in force. The combined ratio improved to 98.3 in the third quarter of 2009 compared to 181.3 in the third quarter of 2008, reflecting lower catastrophe losses, partly offset by higher non-catastrophe claim frequencies and severities. Allstate continues to implement profit improvement actions in this business and will benefit in the future from rate increases averaging 6.9% in 19 states that were approved during the quarter.

Allstate had catastrophe losses of $407 million for the third quarter and $1.7 billion for the first nine months of 2009. In comparison, the company had $1.8 billion of catastrophe losses in the third quarter and $3.1 billion in the first nine months of 2008, including $1.4 billion of losses from Hurricanes Ike and Gustav.

The Property-Liability expense ratio for the third quarter of 2009 was comparable to the prior year quarter primarily resulting from the timing of marketing expenditures and more focused technology spending, being offset by lower premiums earned and higher restructuring charges from staff reductions. Excluding restructuring, the expense ratio declined 0.4 points in the third quarter of 2009 compared to the third quarter of 2008.

Allstate Financial Makes Strong Progress on 'Focus to Win'

Allstate Financial continued to make progress on its Focus to Win program by reducing expenses, shifting fixed costs to variable, and targeting higher returns on products. Through September 30, 2009, expense savings initiatives have delivered approximately 80% of the targeted $90 million in annual cost savings by 2011. Premiums and deposits declined 45.5% in the third quarter of 2009 versus the third quarter of 2008 resulting from pricing actions to improve returns and reduce concentration in spread-based products.

Allstate Financial's operating income was $95 million in the third quarter of 2009. This represented an 8.0% increase from $88 million in the third quarter of 2008, primarily due to improved benefit spread, lower amortization of deferred policy acquisition costs and reduced operating expenses, partly offset by a lower investment spread. The benefit spread increased 49.5% from the prior year quarter to $145 million, driven by improved mortality experience, higher premiums at the Allstate Workplace Division, and increased contract charges on interest-sensitive life insurance products. The investment spread declined during the third quarter of 2009 to $109 million versus $214 million in the third quarter of 2008, due to lower net investment income partly offset by lower interest credited on contractholder funds. Operating expenses declined 26.1% to $99 million in the third quarter of 2009 from $134 million in the same period of 2008, reflecting the substantial progress made through Focus to Win.

Allstate Financial's net loss was $38 million in the third quarter of 2009, compared to a net loss of $196 million in the same period of 2008. Lower realized net capital losses, after-tax, of $151 million, compared to $390 million in the prior year quarter, contributed to the improvement.

Proactive Investment Strategies Improved Total Returns

Allstate's investment portfolio continued to benefit from risk mitigation and return optimization strategies during the third quarter. The company maintained its credit exposure while credit spreads tightened, managed its exposure to interest rates, proactively reduced exposure to commercial real estate, and invested opportunistically.

The consolidated investment portfolio grew $4.2 billion to $100.6 billion at September 30, 2009 when compared to June 30, 2009. The unrealized net loss position improved by $4.8 billion compared to the prior quarter, reducing pre-tax unrealized net losses to $2.5 billion at September 30, 2009. Improved unrealized balances in all asset classes were the result of tightening credit spreads, declining interest rates and positive equity portfolio returns. The total unrealized net capital gain was $112 million at September 30, 2009, after adjusting for deferred policy acquisition costs and taxes.

Risk mitigation programs continued to be effective as macro hedges against interest rate and equity market risk performed as expected during the quarter. As interest rates declined and equity markets rose in the three months ended September 30, 2009, fixed income and equity valuations improved, but also resulted in realized losses on derivatives. The duration of the investment portfolio declined 8.3% to 3.8 years at September 30, 2009 when compared to year-end 2008, while increasing slightly during the third quarter.

Net investment income for the quarter was $1.1 billion, down $271 million from $1.4 billion in the third quarter of 2008, due to lower yields, actions to shorten duration and maintain additional liquidity in the portfolio, and reduced investment balances. During the quarter, Allstate deployed $4.6 billion of short-term investments and cash receipts into securities to generate income and capital appreciation.

Net realized capital losses for the quarter were $519 million, pre-tax. This reflected $381 million of impairment write-downs and $361 million of net losses from derivative instruments. Impairment write-downs were primarily related to investments with real estate exposure and hybrid securities issued by European financial institutions. Net gains of $201 million were realized on sales during the third quarter of 2009. Sales included proactive measures to reduce exposures to commercial real estate, certain municipal bond sectors, and below investment grade assets.

Allstate's Capital Position Continues to Improve

"We continued to build Allstate's financial strength this quarter, demonstrated by the 16% improvement in shareholders' equity to $17.5 billion at September 30," said Don Civgin, senior vice president and chief financial officer. "Our improved operating and investment results reflect the prudent and proactive decisions we have made and position Allstate well as the economy continues to slowly improve."

Statutory surplus at September 30, 2009 was estimated to be $14.8 billion for Allstate Insurance Company, including $3.2 billion at Allstate Life Insurance Company. There were $3.4 billion in assets available at the holding company level to cover the company's relatively low annual fixed charges. Allstate's 90-day liquidity improved to $33.0 billion in assets that could be sold without significant additional net realized capital losses.

Building on Allstate's Strong Leadership

The company continues to build upon its strong leadership team. In October, two new leaders joined the company. Matthew Winter became president and chief executive officer of Allstate Financial and Mark La Neve became Allstate's chief marketing officer. "Matt's experience and leadership will enable Allstate Financial to continue successfully implementing Focus to Win and generate growth by addressing the middle market's unmet protection and retirement needs," said Wilson. "Mark's experience in strengthening brands through customer-focused product design and local sales will drive our efforts to reinvent protection and retirement."

George E. Ruebenson, president, Allstate Protection, announced that he will retire at year-end 2009 after nearly 40 years of service. "George's service to our customers, employees and shareholders has strengthened Allstate and positioned us for the future," said Wilson.

At Allstate.com, click on "Investors" to view additional information about Allstate's third quarter results, including a webcast of its quarterly conference call. The conference call will be held at 9 a.m. ET on Thursday, November 5, 2009.

The Allstate Corporation (NYSE: ALL) is the nation's largest publicly held personal lines insurer. Widely known through the "You're In Good Hands With Allstate(R)" slogan, Allstate is reinventing protection and retirement to help more than 17 million households insure what they have today and better prepare for tomorrow. Consumers access Allstate insurance products and services through Allstate agencies, independent agencies, and Allstate exclusive financial representatives in the U.S. and Canada, as well as via www.allstate.com and 1-800 Allstate(R).

THE ALLSTATE CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
($ in millions, except per share data)                                Three months ended            Nine months ended
                                                                      September 30,                 September 30,
                                                                      2009           2008           2009          2008
                                                                      (unaudited)                (unaudited)
Revenues
Property-liability insurance premiums earned                       $  6,535      $   6,785       $  19,677     $  20,299
Life and annuity premiums and contract charges                        482            468            1,460         1,391
Net investment income                                                 1,084          1,355          3,368         4,293
Realized capital gains and losses:
Total other-than-temporary impairment losses                          (539  )        (1,119 )       (1,735 )      (2,842 )
Portion of loss recognized in other comprehensive income              147            --             301           --
Net other-than-temporary impairment losses recognized in earnings     (392  )        (1,119 )       (1,434 )      (2,842 )
Sales and other realized capital gains and losses                     (127  )        (169   )       884           (316   )
Total realized capital gains and losses                               (519  )        (1,288 )       (550   )      (3,158 )
                                                                      7,582          7,320          23,955        22,825
Costs and expenses
Property-liability insurance claims and claims expense                4,573          5,971          14,295        15,423
Life and annuity contract benefits                                    382            418            1,176         1,210
Interest credited to contractholder funds                             496            586            1,636         1,773
Amortization of deferred policy acquisition costs                     1,023          980            3,649         3,014
Operating costs and expenses                                          744            814            2,247         2,334
Restructuring and related charges                                     35             10             112           4
Interest expense                                                      106            88             291           264
                                                                      7,359          8,867          23,406        24,022
Gain (loss) on disposition of operations                              2              3              6             (6     )
Income (loss) from operations before income tax expense (benefit)     225            (1,544 )       555           (1,203 )
Income tax expense (benefit)                                          4              (621   )       219           (653   )
Net income (loss)                                                  $  221        $   (923   )    $  336        $  (550   )
Earnings per share:
Net income (loss) per share - Basic                                $  0.41       $   (1.70  )    $  0.62       $  (1.00  )
Weighted average shares - Basic                                       539.9          542.4          539.5         551.6
Net income (loss) per share - Diluted                              $  0.41       $   (1.70  )    $  0.62       $  (1.00  )
Weighted average shares - Diluted                                     541.5          542.4          540.5         551.6
Cash dividends declared per share                                  $  0.20       $   0.41        $  0.60       $  1.23

THE ALLSTATE CORPORATION
SEGMENT RESULTS
($ in millions, except ratios)                                           Three months ended            Nine months ended
                                                                         September 30,                 September 30,
                                                                         2009            2008          2009           2008
Property-Liability
Premiums written                                                       $ 6,810       $   6,966       $ 19,694      $  20,283
Premiums earned                                                        $ 6,535       $   6,785       $ 19,677      $  20,299
Claims and claims expense                                                (4,573 )        (5,971 )      (14,295 )      (15,423 )
Amortization of deferred policy acquisition costs                        (943   )        (991   )      (2,832  )      (3,002  )
Operating costs and expenses                                             (642   )        (678   )      (1,911  )      (1,949  )
Restructuring and related charges                                        (31    )        (10    )      (88     )      (4      )
Underwriting income (loss)                                               346             (865   )      551            (79     )
Net investment income                                                    326             386           1,004          1,287
Periodic settlements and accruals on non-hedge derivative instruments    (2     )        1             (8      )      2
Income tax expense (benefit) on operations                               (169   )        230           (343    )      (237    )
Operating income (loss)                                                  501             (248   )      1,204          973
Realized capital gains and losses, after-tax                             (188   )        (412   )      (373    )      (690    )
Reclassification of periodic settlements and accruals on non-hedge
derivative instruments, after-tax                                        1               (1     )      5              (2      )
Net income (loss)                                                      $ 314         $   (661   )    $ 836         $  281
Catastrophe losses                                                     $ 407         $   1,816       $ 1,741       $  3,082
Operating ratios:
Claims and claims expense ratio                                          70.0            88.0          72.6           76.0
Expense ratio                                                            24.7            24.7          24.6           24.4
Combined ratio                                                           94.7            112.7         97.2           100.4
Effect of catastrophe losses on combined ratio                           6.2             26.8          8.8            15.2
Effect of prior year reserve reestimates on combined ratio               (0.7   )        --            (0.4    )      0.6
Effect of catastrophe losses included in prior year reserve
reestimates on
combined ratio                                                           1.2             --            0.7            (0.6    )
Effect of Discontinued Lines and Coverages on combined ratio             0.3             0.1           0.1            0.1
Allstate Financial
Premiums and deposits                                                  $ 1,033       $   1,896       $ 3,965       $  9,395
Investments                                                            $ 61,891      $   66,547      $ 61,891      $  66,547
Premiums and contract charges                                          $ 482         $   468         $ 1,460       $  1,391
Net investment income                                                    744             937           2,327          2,895
Periodic settlements and accruals on non-hedge derivative instruments    2               9             --             25
Contract benefits                                                        (382   )        (418   )      (1,176  )      (1,210  )
Interest credited to contractholder funds                                (497   )        (604   )      (1,559  )      (1,833  )
Amortization of deferred policy acquisition costs                        (108   )        (140   )      (347    )      (387    )
Operating costs and expenses                                             (99    )        (134   )      (325    )      (377    )
Restructuring and related charges                                        (4     )        --            (24     )      --
Income tax expense on operations                                         (43    )        (30    )      (111    )      (155    )
Operating income                                                     95        88        245       349
Realized capital gains and losses, after-tax                         (151 )    (390 )    (239 )    (1,298 )
DAC and DSI accretion (amortization) relating to realized capital
gains
and losses, after-tax                                                18        110       (132 )    283
DAC and DSI unlocking relating to realized capital gains and losses, --        --        (224 )    --
after-tax
Reclassification of periodic settlements and accruals on non-hedge
derivative instruments, after-tax                                    (1   )    (6   )    --        (16    )
Gain (loss) on disposition of operations, after-tax                  1         2         4         (4     )
Net loss                                                           $ (38  )  $ (196 )  $ (346 )  $ (686   )
Corporate and Other
Net investment income                                              $ 14      $ 32      $ 37      $ 111
Operating costs and expenses                                         (109 )    (90  )    (302 )    (272   )
Income tax benefit on operations                                     37        28        105       79
Operating loss                                                       (58  )    (30  )    (160 )    (82    )
Realized capital gains and losses, after-tax                         3         (36  )    6         (63    )
Net loss                                                           $ (55  )  $ (66  )  $ (154 )  $ (145   )
Consolidated net income (loss)                                     $ 221     $ (923 )  $ 336     $ (550   )

THE ALLSTATE CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
($ in millions, except par value data)                                 September 30,     December 31,
                                                                       2009              2008
Assets                                                                 (unaudited)
Investments:
Fixed income securities, at fair value (amortized cost $81,367 and   $ 78,561          $ 68,608
$77,104)
Equity securities, at fair value (cost $4,274 and $3,137)              4,603             2,805
Mortgage loans                                                         8,853             10,229
Limited partnership interests                                          2,770             2,791
Short-term, at fair value (amortized cost $3,470 and $8,903)           3,470             8,906
Other                                                                  2,369             2,659
Total investments                                                      100,626           95,998
Cash                                                                   727               415
Premium installment receivables, net                                   4,970             4,842
Deferred policy acquisition costs                                      6,916             8,542
Reinsurance recoverables, net                                          6,460             6,403
Accrued investment income                                              901               884
Deferred income taxes                                                  1,520             3,794
Property and equipment, net                                            1,013             1,059
Goodwill                                                               874               874
Other assets                                                           2,471             3,748
Separate Accounts                                                      9,026             8,239
Total assets                                                         $ 135,504         $ 134,798
Liabilities
Reserve for property-liability insurance claims and claims expense   $ 19,176          $ 19,456
Reserve for life-contingent contract benefits                          12,849            12,881
Contractholder funds                                                   53,336            58,413
Unearned premiums                                                      10,069            10,024
Claim payments outstanding                                             772               790
Other liabilities and accrued expenses                                 6,081             6,663
Long-term debt                                                         6,661             5,659
Separate Accounts                                                      9,026             8,239
Total liabilities                                                      117,970           122,125
Equity
Preferred stock, $1 par value, 25 million shares authorized, none      --                --
issued
Common stock, $.01 par value, 2.0 billion shares authorized and
900 million
issued, 536 million and 536 million shares outstanding                 9                 9
Additional capital paid-in                                             3,160             3,130
Retained income                                                        31,083            30,207
Deferred ESOP expense                                                  (47     )         (49     )
Treasury stock, at cost (364 million and 364 million shares)           (15,832 )         (15,855 )
Accumulated other comprehensive income:
Unrealized net capital gains and losses:
Unrealized net capital losses on fixed income securities with OTTI     (411    )         --
Other unrealized net capital gains and losses                          (1,218  )         (5,767  )
Unrealized adjustment to DAC, DSI and insurance reserves               1,741             2,029
Total unrealized net capital gains and losses                          112               (3,738  )
Unrealized foreign currency translation adjustments                    42                5
Unrecognized pension and other postretirement benefit cost             (1,022  )         (1,068  )
Total accumulated other comprehensive loss                             (868    )         (4,801  )
Total shareholders' equity                                             17,505            12,641
Noncontrolling interest                                                29                32
Total equity                                                           17,534            12,673
Total liabilities and equity                                         $ 135,504         $ 134,798
THE ALLSTATE CORPORATION AND SUBSIDIARIES
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
($ in millions)                                                          Nine months ended
                                                                         September 30,
                                                                         2009                2008
Cash flows from operating activities                                     (Unaudited)
Net income (loss)                                                   $    336            $    (550    )
Adjustments to reconcile net income (loss) to net cash provided by
operating activities:
Depreciation, amortization and other non-cash items                      (87     )           (267    )
Realized capital gains and losses                                        550                 3,158
(Gain) loss on disposition of operations                                 (6      )           6
Interest credited to contractholder funds                                (1,636  )           (1,773  )
Changes in:
Policy benefits and other insurance reserves                             (460    )           1,158
Unearned premiums                                                        6                   21
Deferred policy acquisition costs                                        471                 (456    )
Premium installment receivables, net                                     (108    )           (156    )
Reinsurance recoverables, net                                            (101    )           (319    )
Income taxes                                                             1,175               (1,176  )
Other operating assets and liabilities                                   103                 364
Net cash provided by operating activities                                (3,515  )           (3,556  )
Cash flows from investing activities
Proceeds from sales:
Fixed income securities                                                  16,098              19,289
Equity securities                                                        4,636               8,008
Limited partnership interests                                            293                 270
Mortgage loans                                                           140                 228
Other investments                                                        429                 167
Investment collections:
Fixed income securities                                                  3,947               3,158
Mortgage loans                                                           1,093               605
Other investments                                                        99                  79
Investment purchases:
Fixed income securities                                                  (22,694 )           (12,360 )
Equity securities                                                        (5,991  )           (8,420  )
Limited partnership interests                                            (674    )           (810    )
Mortgage loans                                                           (23     )           (501    )
Other investments                                                        (54     )           (122    )
Change in short-term investments, net                                    5,437               (6,780  )
Change in other investments, net                                         (144    )           (420    )
Disposition (acquisition) of operations                                  12                  (120    )
Purchases of property and equipment, net                                 (143    )           (153    )
Net cash provided by investing activities                                (2,461  )           (2,118  )
Cash flows from financing activities
Proceeds from issuance of long-term debt                                 1,003               19
Repayment of long-term debt                                              (1      )           --
Contractholder fund deposits                                             3,252               8,698
Contractholder fund withdrawals                                          (9,485  )           (12,497 )
Dividends paid                                                           (434    )           (668    )
Treasury stock purchases                                                 (3      )           (1,318  )
Shares reissued under equity incentive plans, net                        2                   31
Excess tax benefits on share-based payment arrangements                  (6      )           3
Other                                                                    8                   (9      )
Net cash used in financing activities                                    (5,664  )           (5,741  )
Net increase (decrease) in cash                                          312                 (67     )
Cash at beginning of period                                              415                 422
Cash at end of period                                               $    727            $    355

Definitions of Non-GAAP and Operating Measures

We believe that investors' understanding of Allstate's performance is enhanced by our disclosure of the following non-GAAP and operating financial measures. Our methods for calculating these measures may differ from those used by other companies and therefore comparability may be limited.

Operating income (loss) is net income (loss), excluding:

-- realized capital gains and losses, after-tax, except for periodic settlements and accruals on non-hedge derivative instruments, which are reported with realized capital gains and losses but included in operating income,

-- amortization of DAC and DSI, to the extent they resulted from the recognition of certain realized capital gains and losses,

-- gain (loss) on disposition of operations, after-tax, and

-- 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.

Net income (loss) is the GAAP measure that is most directly comparable to operating income (loss).

We use operating income (loss) as an important measure to evaluate our results of operations. We believe that the measure provides investors with a valuable measure of the company's ongoing performance because it reveals trends in our insurance and financial services business that may be obscured by the net effect of realized capital gains and losses, gain (loss) on disposition of operations and adjustments for other significant non-recurring, infrequent or unusual items. Realized capital gains and losses and gain (loss) on disposition of operations may vary significantly between periods and are generally driven by business decisions and external economic developments such as capital market conditions, the timing of which is unrelated to the insurance underwriting process. Consistent with our intent to protect results or earn additional income, operating income (loss) includes periodic settlements and accruals on certain derivative instruments that are reported in realized capital gains and losses because they do not qualify for hedge accounting or are not designated as hedges for accounting purposes. These instruments are used for economic hedges and to replicate fixed income securities, and by including them in operating income (loss), we are appropriately reflecting their trends in our performance and in a manner consistent with the economically hedged investments, product attributes (e.g., net investment income and interest credited to contractholder funds) or replicated investments. Non-recurring items are excluded because, by their nature, they are not indicative of our business or economic trends. Accordingly, operating income (loss) excludes the effect of items that tend to be highly variable from period to period and highlights the results from ongoing operations and the underlying profitability of our business. A byproduct of excluding these items to determine operating income (loss) is the transparency and understanding of their significance to net income variability and profitability while recognizing these or similar items may recur in subsequent periods. Operating income (loss) is used by management along with the other components of net income (loss) to assess our performance. We use adjusted measures of operating income (loss) and operating income (loss) per diluted share in incentive compensation. Therefore, we believe it is useful for investors to evaluate net income (loss), operating income (loss) and their components separately and in the aggregate when reviewing and evaluating our performance. We note that investors, financial analysts, financial and business media organizations and rating agencies utilize operating income (loss) results in their evaluation of our and our industry's financial performance and in their investment decisions, recommendations and communications as it represents a reliable, representative and consistent measurement of the industry and the company and management's performance. We note that the price to earnings multiple commonly used by insurance investors as a forward-looking valuation technique uses operating income (loss) as the denominator. Operating income (loss) should not be considered as a substitute for net income (loss) and does not reflect the overall profitability of our business.

The following tables reconcile operating income (loss) and net income (loss) for the three months and nine months ended September 30, 2009 and 2008.

For the three months ended                                              Property-Liability        Allstate Financial        Consolidated             Per diluted share(2)
September 30,
($ in millions, except per share data)                                  2009          2008        2009          2008        2009        2008         2009           2008
Operating income (loss)                                               $ 501       $   (248 )    $ 95        $   88        $ 538      $  (190   )   $ 0.99       $   (0.35 )
Realized capital gains and losses (1)                                   (290 )        (634 )      (234 )        (599 )      (519 )      (1,288 )
Income tax benefit                                                      102           222         83            209         183         450
Realized capital gains and losses, after-tax                            (188 )        (412 )      (151 )        (390 )      (336 )      (838   )     (0.62 )        (1.54 )
DAC and DSI accretion relating to realized capital gains and losses,    --            --          18            110         18          110          0.04           0.20
after-tax
Reclassification of periodic settlements and accruals on non-hedge
derivative
instruments, after-tax                                                  1             (1   )      (1   )        (6   )      --          (7     )     --             (0.01 )
Gain on disposition of operations, after-tax                            --            --          1             2           1           2            --             --
Net income (loss)                                                     $ 314       $   (661 )    $ (38  )    $   (196 )    $ 221      $  (923   )   $ 0.41       $   (1.70 )

For the nine months ended                                               Property-Liability           Allstate Financial          Consolidated              Per diluted share(2)
September 30,
($ in millions, except per share data)                                  2009           2008          2009          2008          2009         2008         2009           2008
Operating income                                                      $ 1,204      $   973         $ 245       $   349         $ 1,289     $  1,240      $ 2.38       $   2.25
Realized capital gains and losses (1)                                   (403  )        (1,066 )      (156 )        (1,996 )      (550  )      (3,158 )
Income tax benefit (expense)                                            30             376           (83  )        698           (56   )      1,107
Realized capital gains and losses, after-tax                            (373  )        (690   )      (239 )        (1,298 )      (606  )      (2,051 )     (1.12 )        (3.72 )
DAC and DSI (amortization) accretion relating to realized capital
gains and
losses, after-tax                                                       --             --            (132 )        283           (132  )      283          (0.24 )        0.51
DAC and DSI unlocking relating to realized capital gains and losses,    --             --            (224 )        --            (224  )      --           (0.42 )        --
after-tax
Reclassification of periodic settlements and accruals on non-hedge
derivative
instruments, after-tax                                                  5              (2     )      --            (16    )      5            (18    )     0.01           (0.03 )
Gain (loss) on disposition of operations, after-tax                     --             --            4             (4     )      4            (4     )     0.01           (0.01 )
Net income (loss)                                                     $ 836        $   281         $ (346 )    $   (686   )    $ 336       $  (550   )   $ 0.62       $   (1.00 )

______________________________

(1) Beginning in the fourth quarter of 2008, income from limited partnerships accounted for on the equity method of accounting ("EMA LP") is reported in realized capital gains and losses. EMA LP income for periods prior to the fourth quarter of 2008 is reported in net investment income. The amount of EMA LP income included in the Property-Liability, Allstate Financial and Consolidated net investment income in the three months ended September 30, 2008 was $(24) million, $(9) million and $(38) million, respectively. The amount of EMA LP income included in Property-Liability, Allstate Financial and Consolidated net investment income in the nine months ended September 30, 2008 was $15 million, $14 million and $24 million, respectively.

(2) As a result of the adoption of new earnings per share accounting guidance in the first quarter of 2009, prior periods have been restated.

Combined ratio excluding the effect of catastrophes and prior year reserve reestimates ("underlying combined ratio") is a non-GAAP ratio, which is computed as the difference between three GAAP operating ratios: the combined ratio, the effect of catastrophes on the combined ratio and the effect of prior year reserve reestimates on the combined ratio. The most directly comparable GAAP measure is the combined ratio. We believe that this ratio is useful to investors and it is used by management to reveal the trends in our Property-Liability business that may be obscured by catastrophe losses and prior year reserve reestimates. These catastrophe losses cause our loss trends to vary significantly between periods as a result of their incidence of occurrence and magnitude, and can have a significant impact on the combined ratio. Prior year reserve reestimates are caused by unexpected loss development on historical reserves. We believe it is useful for investors to evaluate these components separately and in the aggregate when reviewing our underwriting performance. We also provide it to facilitate a comparison to our outlook on the 2009 combined ratio excluding the effect of catastrophe losses and prior year reserve reestimates. The combined ratio excluding the effect of catastrophes and prior year reserve reestimates should not be considered a substitute for the combined ratio and does not reflect the overall underwriting profitability of our business. A reconciliation of the combined ratio excluding the effect of catastrophes and prior year reserve reestimates to the combined ratio is provided in the following table.

                                                               Three months ended  Nine months ended
                                                               September 30,       September 30,
                                                               2009       2008     2009       2008
Combined ratio excluding the effect of catastrophes and prior  88.0       85.9     88.1       85.2
year reserve reestimates ("underlying combined ratio")
Effect of catastrophe losses                                   6.2        26.8     8.8        15.2
Effect of prior year non-catastrophe reserve reestimates       0.5        --       0.3        --
Combined ratio                                                 94.7       112.7    97.2       100.4
Effect of prior year catastrophe reserve reestimates           (1.2 )     --       (0.7 )     0.6

In this news release, we provide our outlook range on the 2009 combined ratio excluding the effect of catastrophe losses and prior year reserve reestimates. A reconciliation of this measure to the combined ratio is not possible on a forward-looking basis because it is not possible to provide a reliable forecast of catastrophes. Future prior year reserve reestimates are expected to be zero because reserves are determined based on our best estimate of ultimate loss reserves as of the reporting date.

Book value per share, excluding the impact of unrealized net capital gains and losses on fixed income securities, is a ratio that uses a non-GAAP measure. It is calculated by dividing shareholders' equity after excluding the impact of unrealized net capital gains and losses on fixed income securities and related DAC and life insurance reserves by total shares outstanding plus dilutive potential shares outstanding. Book value per share is the most directly comparable GAAP measure.

We use the trend in book value per share, excluding the impact of unrealized net capital gains and losses on fixed income securities, in conjunction with book value per share to identify and analyze the change in net worth attributable to management efforts between periods. We believe the non-GAAP ratio is useful to investors because it eliminates the effect of items that can fluctuate significantly from period to period and are generally driven by economic developments, primarily capital market conditions, the magnitude and timing of which are generally not influenced by management, and we believe it enhances understanding and comparability of performance by highlighting underlying business activity and profitability drivers. We note that book value per share, excluding the impact of unrealized net capital gains and losses on fixed income securities, is a measure commonly used by insurance investors as a valuation technique. Book value per share, excluding the impact of unrealized net capital gains and losses on fixed income securities, should not be considered as a substitute for book value per share, and does not reflect the recorded net worth of our business. The following table shows the reconciliation.

                                                                        As of September 30,
($ in millions, except per share data)                                  2009            2008
Book value per share
Numerator:
Shareholders' equity                                                  $ 17,505      $   16,938
Denominator:
Shares outstanding and dilutive potential shares outstanding            542.1           539.6
Book value per share                                                  $ 32.29       $   31.39
Book value per share, excluding the impact of unrealized net
capital gains and losses on fixed income securities
Numerator:
Shareholders' equity                                                  $ 17,505      $   16,938
Unrealized net capital gains and losses on fixed income securities      (81    )        (1,515 )
Adjusted shareholders' equity                                         $ 17,586      $   18,453
Denominator:
Shares outstanding and dilutive potential shares outstanding            542.1           539.6
Book value per share, excluding the impact of unrealized net capital  $ 32.44       $   34.20
gains and losses on fixed income securities

Premiums written is the amount of premiums charged for policies issued during a fiscal period. Premiums earned is a GAAP measure. Premiums are considered earned and are included in financial results on a pro-rata basis over the policy period. The portion of premiums written applicable to the unexpired terms of the policies is recorded as unearned premiums on our Condensed Consolidated Statements of Financial Position. A reconciliation of premiums written to premiums earned is presented in the following table.

                                                    Three months ended          Nine months ended
                                                    September 30,               September 30,
($ in millions)                                     2009           2008         2009          2008
Premiums written                                  $ 6,810      $   6,966      $ 19,694     $  20,283
Increase in Property-Liability unearned premiums    (315  )        (181  )      (48    )      (41    )
Other                                               40             --           31            57
Premiums earned                                   $ 6,535      $   6,785      $ 19,677     $  20,299

Premiums and deposits is an operating measure that we use to analyze production trends for Allstate Financial sales. It includes premiums on insurance policies and annuities and all deposits and other funds received from customers on deposit-type products including the net new deposits of Allstate Bank, which we account for under GAAP as increases to liabilities rather than as revenue.

The following table illustrates where premiums and deposits are reflected in the condensed consolidated financial statements.

                                                     Three months ended           Nine months ended
                                                     September 30,                September 30,
($ in millions)                                      2009           2008          2009          2008
Total premiums and deposits                        $ 1,033      $   1,896       $ 3,965      $  9,395
Deposits to contractholder funds                     (802  )        (1,663 )      (3,252 )      (8,698 )
Deposits to separate accounts                        (27   )        (32    )      (83    )      (98    )
Change in unearned premiums and other adjustments    28             27            96            90
Life and annuity premiums (1)                      $ 232        $   228         $ 726        $  689

__________________________

(1) Life and annuity contract charges in the amount of $250 million and $240 million for the three months ended September 30, 2009 and 2008, respectively, and $734 million and $702 million for the nine months ended September 30, 2009 and 2008, respectively, which are also revenues recognized for GAAP, have been excluded from the table above, but are a component of the Condensed Consolidated Statements of Operations line item life and annuity premiums and contract charges.

Forward-Looking Statements and Risk Factors

This news release contains forward-looking statements about our outlook for the combined ratio excluding the effect of catastrophes and prior year reserve reestimates for 2009. These statements are subject to the Private Securities Litigation Reform Act of 1995 and are based on management's estimates, assumptions and projections. Actual results may differ materially from those projected based on the risk factors described below.

-- Premiums written and premiums earned, the denominator of the underlying combined ratio, may be materially less than projected. Policyholder attrition may be greater than anticipated resulting in a lower amount of insurance in force.

-- Unanticipated increases in the severity or frequency of standard auto insurance claims may adversely affect our underwriting results. Changes in the severity or frequency of claims may affect the profitability of our Allstate Protection segment. Changes in bodily injury claim severity are driven primarily by inflation in the medical sector of the economy and litigation. Changes in auto physical damage claim severity are driven primarily by inflation in auto repair costs, auto parts prices and used car prices. The short-term level of claim frequency we experience may vary from period to period and may not be sustainable over the longer term. A decline in gas prices, increase in miles driven, and higher unemployment are examples of factors leading to a short-term frequency change. A significant long-term increase in claim frequency could have an adverse effect on our underwriting results.

We undertake no obligation to publicly correct or update any forward-looking statements. This news release contains unaudited financial information.

SOURCE: The Allstate Corporation

The Allstate Corporation 
Maryellen Thielen 
Media Relations 
(847) 402-5600 
or 
Robert Block, Christine Ieuter 
Investor Relations 
(847) 402-2800

The company's third quarter operating income improved to USD538m from an operating loss of USD190m in the third quarter last year. Lower catastrophe losses contributed to the improvement in operating income, Allstate said.

The net income improvement was due to higher operating income and lower realised capital losses in the third quarter of 2009 compared to the prior year quarter.

Total revenues for the third quarter of 2009 were USD7.6bn, an increase of 3.6% compared to USD7.3bn in the third quarter of 2008. Lower realised capital losses were partially offset by a decrease in net investment income and property-liability premiums.

Comments on this story may be sent to admin@m2.com

"Our shared vision has grown roots," said Wilson, adding that Allstate Financial is "80% on the way home" to a previously stated target of $90 million in annual cost savings by 2011.

The chief executive said the company's automobile line is driving growth, with a 12% uptick in new business applications and a slight increase in retention. The combined ratio for this segment was 92.7, up 1.7 points compared with the third quarter of 2008, due to higher loss frequency. The combined ratio in property-liability business was 94.7 in the third quarter, an improvement from 112.7 last year.

Though fewer catastrophe losses were recorded, they remain a concern. George E. Ruebenson, president of Allstate Protection, said that in terms of catastrophes, "the last two years have been worse than any other two-year period" in the company's history. Net written premiums in homeowners remained flat, as Allstate continues to manage exposure and seek appropriate rate changes. The company received homeowners rate increases averaging 6.9% in 19 states during the quarter.

Ruebenson, who is retiring at year end, said Allstate has decided to take "an aggressive stance" on risk management, choosing not to think of recent non-model catastrophic weather events as anomalies. The company is raising rates when it needs to he said, especially in monoline homeowners. If Allstate cannot reduce its exposure, it will "simply price our way out of the problem," he said. The company has a goal to increase multiline customers.

When asked again if Allstate thought recent weather activity was temporary, Wilson said, "We think it's real. If it's not, then we'll adjust. In the meantime, we are not earning an adequate return and we need to."

Allstate Financial reported operating income of $95 million during the third quarter, compared with $88 million during the same time last year as the company reduced its exposure to commercial real estate and municipal bonds, and remained defensive with interest rate movement, said Don Civgin, senior vice president and chief financial officer.

Allstate Insurance Group currently has a Best's Financial Strength Rating of A+ (Superior).

Shares of Allstate on the morning of Nov. 5 were selling at $28.34, down about 4.3% from the previous close.

(By Chad Hemenway, associate editor, BestWeek: Chad.Hemenway@ambest.com)

DVN Devon Energy Corp November earnings Q3 Before

ALL Allstate Corp 12 quarters Q3 After

TOT Total SA (ADR) 12 quarters Q3 Before

MUR Murphy Oil Corporation 12 quarters Q3 After

DNDN Dendreon Corporation November earnings Q3 Before

PHM Pulte Homes 12 quarters Q3 Before

Earnings, or profits, drive stock prices. The market values a company based on its current and anticipated future ability to make money. The market takes the earnings pulse of a company four times per year when quarterly reports are issued. When this information is released it can often be a trend-changing or a trend confirming event because the information is so vital to the market's perception of the vitality of that company.

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Devon Energy Corporation (NYSE: DVN), together with its subsidiaries, primarily engages in oil and gas exploration, development, and production; the transportation of oil, gas, and natural gas liquids; and the processing of natural gas. The company owns oil and gas properties principally in the Mid-Continent area of the central and southern United States; the Permian Basin within Texas and New Mexico; the Rocky Mountains area of the United States; the offshore areas of the Gulf of Mexico; and the onshore areas of the Gulf Coast, principally in south Texas and south Louisiana. It also owns oil and gas properties in the provinces of Alberta, British Columbia, and Saskatchewan, Canada. In addition, the company owns properties located in Azerbaijan, Brazil, and China. Further, Devon Energy's marketing and midstream operations include the marketing of oil, gas, and natural gas liquids, as well as the construction and operation of pipelines, storage and treating facilities, and gas processing plants in North America. As of December 31, 2008, the company had proved developed reserves of approximately 1,934 million barrel of oil equivalent. Devon Energy sells its gas production to various customers, including pipelines, utilities, gas marketing firms, industrial users, and local distribution companies; and crude oil production to refiners and remarketers. The company was founded in 1971 and is based in Oklahoma City, Oklahoma.

The Allstate Corporation (NYSE: ALL), through its subsidiaries, engages in the personal property and casualty insurance business, as well as in the life insurance, retirement, and investment products business in the United States and Canada. It operates in two segments: Allstate Protection and Allstate Financial. The Allstate Protection segment sells private passenger auto and homeowneras insurance under aEncompassa and aDeerbrooka brand names primarily through agencies. Allstate Financial segment provides life insurance, retirement and investment products, and voluntary accident and health insurance products to individual and institutional customers. Its principal individual products comprise deferred, immediate, and indexed fixed annuities; interest-sensitive, traditional, and variable life insurance; and voluntary accident and health insurance. This segment markets its products through multiple intermediary distribution channels, including agencies and financial specialists, independent agents, banks, broker-dealers, and specialized structured settlement brokers. The Allstate Financial segment also offers various banking products and services consisting of certificates of deposit, money market accounts, savings accounts, checking accounts, and agency loans. The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.

TOTAL S.A. (NYSE: TOT), together with its subsidiaries, operates as an integrated oil and gas company worldwide. The company operates in three segments: Upstream, Downstream, and Chemicals. The Upstream segment engages in the exploration, development, and production of oil and natural gas. It also involves in the marketing, trading, transportation, and storage of natural gas and liquefied natural gas (LNG), LNG re-gasification, and the maritime transport and trading of liquefied petroleum gas. In addition, this segment engages in the production, marketing, and trading of coal; generation of power from gas-fired combined-cycle plants and renewable energies; and trading and marketing of electricity. As of December 31, 2008, it had proved reserves of 10,458 thousands of barrels of oil equivalent of crude oil and natural gas. The Downstream segment engages in refining, marketing, trading, and shipping of crude oil and petroleum products. It produces a range of specialty products, such as lubricants, liquefied petroleum gas, jet fuel, special fluids, bitumen, and petrochemical feedstock. The company held interests in 25 refineries located in Europe, the United States, the French West Indies, Africa, and China, as well as operated a network of 16,425 retail stations worldwide. The Chemical segment produces base chemicals, with petrochemicals and fertilizers, and specialties, as well as involves in rubber processing, resins, adhesives, and electroplating activities. The company was founded in 1924 and is based in Courbevoie, France.

Murphy Oil Corporation (NYSE: MUR) operates as an oil and gas exploration and production company in the United States, Canada, the United Kingdom, Malaysia, Ecuador, and internationally. It operates in two segments, Exploration and Production, and Refining and Marketing. The Exploration and Production segment explores for and produces crude oil, natural gas, natural gas liquids, condensate, and synthetic oil. It has an interest in a Canadian synthetic oil operation, owns two petroleum refineries in the United States, and one refinery in the United Kingdom. The Refining and Marketing segment refines crude oil and other feedstocks into petroleum products, such as gasoline and distillates; buys and sells crude oil and refined products; and transports and markets petroleum products. The company was formerly known as Murphy Corporation and changed its name to Murphy Oil Corporation in 1964. Murphy Oil Corporation was founded in 1950 and is based El Dorado, Arkansas.

Dendreon Corporation (NASDAQ: DNDN), a biotechnology company, engages in the discovery, development, and commercialization of therapeutics to enhance cancer treatment options for patients. The companyas product portfolio includes active cellular immunotherapy, monoclonal antibody, and small molecule product candidates to treat various cancers. Its product candidates comprise Provenge (sipuleucel-T), an active cellular immunotherapy that has completed two Phase III trials for the treatment of asymptomatic, metastatic, and androgen-independent prostate cancer; and Neuvenge (lapuleucel-T), an investigational active immunotherapy for the treatment of patients with breast, ovarian, and other solid tumors expressing HER2/neu. The company also has a range of products in preclinical studies, which include CEA for the treatment of breast, lung, and colon cancer; CA-9 (MN) for the treatment of kidney, colon, and cervical cancer; Anti-Serine Protease for the treatment of multiple cancers; and Anti-HLA-DR for the treatment of hematologic malignancies, as well as TRPM8 for the treatment of lung, breast, prostate, and colon cancer. Dendreon Corporation, formerly known as Activated Cell Therapy, Inc., was founded in 1992 and is headquartered in Seattle, Washington.

Pulte Homes, Inc. (NYSE: PHM), through its subsidiaries, engages in the homebuilding and financial services businesses primarily in the United States. The companyas homebuilding business involves in the acquisition and development of land for residential purposes within the continental United States; and the construction of housing on such land for the first-time, first and second move-up, and active adult home buyers. As of December 31, 2008, the companyas homebuilding operations offered homes for sale in 459 communities. In addition, its financial services operations consist of mortgage banking and title operations. The company arranges financing through the origination of mortgage loans for its homebuyers; sells such loans and the related servicing rights; and provides title insurance policies as an agent, and examination and closing services to its home buyers. Pulte Homes was founded in 1956 and is headquartered in Bloomfield Hills, Michigan.

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