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LINCOLN BENEFIT LIFEPRODUCTALMANAC There is strength in our numbers.LBL1856-3For Broker/Dealer or Agent Use Only

The policies discussed herein contain limitationsand other provisions that may not behighlighted. This is not a part of any contractand is not to be used in sales presentations withthe public. Products and/or riders may not beapproved in all states. Please contact yourmarketing organization if you have anyquestions.

The product almanacThis “almanac” contains information about the productsof Lincoln Benefit Life, a company with a reputation forquality service. We offer a complete portfolio of diverseplans to custom fit the insurance needs of your customer.Lincoln Benefit Life, a member of Allstate FinancialGroup, is a wholly owned subsidiary of Allstate LifeInsurance Company of Northbrook, Illinois.RatingsLBL is highly rated by insurance industry analysts. Therating companies and designated LBL ratings are asfollows:A.M. Best A (r)Superior; 2nd highest of Best’s 13 ratings1 Ratings rangefrom A to D A.M. Best rating is for financial strength The (r) rating conveys that Lincoln Benefit Lifeautomatically reinsures all business with Allstate Life.Standard & Poor’s Financial AA2Very strong, 3rd highest of S&P’s 17 ratings1 Ratingsrange from AAA to CCC S&P rating is for financialstrengthMoody’s Aa22Excellent, 3rd highest of Moody’s 21 ratings1 Ratingsrange from Aaa to C. Moody’s rating is for financialstrengthFor additional information about Lincoln Benefit Life,contact your marketing organization.1 As of June 2003, ratings are subject to change.2 The ratings from Standard & Poor’s and Moody’s reflectthe financial strength of Lincoln Benefit Life’s parentcompany, Allstate Life Insurance Company.1

Table of contentsFixed AnnuitiesAllstate Treasury-Linked Annuity . . . . . . . . . . . . . . . . . . .3Saver’s Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Saver’s Index III . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5SPIA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6SureHorizonSM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Tactician Plus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8Variable AnnuitiesConsultant Variable Annuity I . . . . . . . . . . . . . . . . . . . . . .9Consultant Variable Annuity II . . . . . . . . . . . . . . . . . . . .10LBL Advantage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11Premier Planner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Term Life PlansGT Gold . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13GT Platinum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Level Best Gold . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15Level Best Platinum . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16Fixed Universal LifeGenerationLinc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Legacy Premier SLSM . . . . . . . . . . . . . . . . . . . . . . . . . . . .18Legacy Premier ULSM . . . . . . . . . . . . . . . . . . . . . . . . . . .19Ultra 100 Plus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20Variable UniversalConsultant Accumulator VUL . . . . . . . . . . . . . . . . . . . . .21Consultant Protector VUL . . . . . . . . . . . . . . . . . . . . . . . .22Consultant SL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Long-Term CareSeniorLinc Premier . . . . . . . . . . . . . . . . . . . . . . . . . . . .24*Variable products are underwritten by ALFS, Inc. ofNorthbrook, IL.2

Allstate Treasury-Linked Annuity(Policy # AP-0200)Flexible Premium Deferred AnnuityTarget MarketExcellent alternative to certificates of deposit or bonds.Great choice for investors seeking tax favored income,tax deferral, cash accumulation and retirement savings.Offers a competitive rate tied to the U.S. TreasuryConstant Maturity 5-year yield.Features and Benefits A competitive 5-year interest rate that’s guaranteed Earn additional interest based on upside performanceof 5-year U.S. Treasury rate Underlying 5-year guaranteed rate protects against U.S.Treasury rate declines Waiver of charges (AR 0201)Provides for additional “free” withdrawals if owner isconfined to a long-term care facility, or diagnosed witha terminal illness, or becomes unemployed No up-front or annual charges or feesPlan Details Issue ages 0 to 90 (Owner and Annuitant) Qualified and Non-qualified plans Up to 10% penalty-free withdrawal per policy year3

Saver’s Index (Policy # AP-9412)Single Premium Deferred AnnuityTarget MarketLow risk tolerant savers who could benefit from equityindex-linked growth for their retirement savings andalso want protection against index losses.Features and Benefits Equity index-linked returnInterest credited is determined annually by the growthin the S&P 500 . Composite Stock Price Index,which does not include dividends Guaranteed minimum growthYour customer’s account values are guaranteed never togrow by less than 0% (i.e., declines in the index arenot “charged” to their annuities). Annual Index ResetAnnual increases are “locked in” on each anniversaryand a new calculation starting point is established. Confinement waiver benefitProvides for additional “free” withdrawals ifannuitant is confined to a long-term care facility Guaranteed safetyThe surrender value of the policy is guaranteed neverto be less than 90% of premiums paid accumulated at3% annually.Plan Details Issue ages 0 to 75 (Annuitant); 0 to 99 (Owner) 5,000 minimum ( 2,000 for qualified plans) Up to 10% penalty-free withdrawal per policy year afterthe first policy yearCommentsFor more information on this product, please refer tothe contract or the appropriate sales material.4

Saver’s Index III (Policy # AP-9750)Flexible Premium Deferred AnnuityTarget MarketLow risk tolerant savers who could benefit from equityindex-linked growth for their retirement savings andalso want protection against index losses.Features and Benefits Equity index-linked return Interest rate credited is determined annually by thegrowth in the S&P 500 . Composite Stock Price Index,which does not include dividends. Each premiumcreates it’s own Indexed Account with its own surrendercharge schedule and interest crediting and it’s ownparticipation rate and cap. Guaranteed minimum growthYour customer’s account values are guaranteed never togrow by less than 0% (i.e., declines in the index arenot “charged” to their annuities). Annual Index ResetAnnual increases are “locked in” on each anniversaryand a new calculation starting point is established. Confinement waiver benefitProvides for additional “free” withdrawals ifannuitant is confined to a long-term care facility Guaranteed safetyThe surrender value of the policy is guaranteed neverto be less than 90% of premiums paid accumulated at3% annually.Plan Details Issue ages 0 to 85 (Annuitant); 0 to 99 (Owner) 10,000 MinimumQualified & Non-qualified plansUp to 10% penalty-free withdrawal of accumulated valueper policy year after the first policy year5

SPIA (Policy # AP-8715)Single Premium Immediate AnnuityTarget MarketInvestors in need of a guaranteed periodic income.Also a great way to fund life insurance.Features and Benefits Choice of payment optionsOptions available include: Life Only, Life with a PeriodCertain, Period Certain Only, Joint and Survivor, Jointand Survivor with a Certain Term, and InstallmentRefund. Special features on 10-year period certain and longer,and all life options.Customers choose an annual increasing payment optionof a set percentage from 2-5% compounded annually. Substandard underwriting offers the possibility ofincreasing income payments for “impaired risk”customers by increasing their age by up to fiveyears for those who qualify. Guaranteed refund optionPayment options can be structured such that at leastthe premiums paid are guaranteed to be “paid backout” to the beneficiary. Flexible payment modesPayouts available on annually, semiannually, quarterly,or monthly basis.Plan Details Issue ages 1 to 99 using age nearest birthday(Maximum issue age for Life Only option is 75) 5,000 minimum First payment must begin within 12 months of issue Options for over age 75 are a Period Certain orinstallment equal to the original premium submitted Qualified for use with IRAs and other qualified plans ina distribution phase6

SureHorizonSM (Policy # AP-0300)Flexible Premium Deferred AnnuityTarget MarketThis product is a flexible premium deferred annuity thatoffers long-term cash accumulation and tax-deferredgrowth. The SureHorizon is also great for customerslooking to lock in a competitive rate of return that’sguaranteed for a specific length of time.Features and Benefits Guaranteed interest rate 6-year, contract year based surrender charge period Competitive interest rates and options to earn additionaland bonus interest on top of the guaranteed interest rate Flexibility in accessing money through withdrawals orincome payments Multiple rate guarantee periods Compound growth Optional death benefit Optional ROP guaranteePlan Details Issue ages 0 to 90 Guaranteed minimum interest 3.5% years 1-14;4.0% years 15 Minimum face amount: Initial 3,000 Qualified andNon-Qualified Subsequent: 100 (per payment) Riders available: Optional Death Benefit Rider,Purchase Payment Guarantee Rider (ROP), Waiver ofCharges Rider (Terminal Illness Rider, Nursing HomeRider, Unemployment Rider)7

Tactician Plus (Policy # AP-9800, GAP-9880)Flexible Premium Deferred Annuity*Single Premium Deferred Annuity in the state of MATarget MarketInvestment alternative to certificates of deposit, zerocoupon bonds and treasury bond ladders.Features and Benefits Choice of guarantee periodsYour customers can choose from 5-, 6-, 7-, 8-,9- and 10-year periods. Spread premiums into as many guarantee periods asyour customers want.Customers can “ladder” guarantee periods to hedgeinterest rates. Market value adjustmentReflects changes in the interest rate environment Confinement waiver benefitProvides for additional “free” withdrawals if owner isconfined to a long-term care facility, or diagnosed witha terminal illness, or becomes unemployed Special interest rate bonus offered for guarantee periods5-, 7-, 8-, 9- and 10-years.Plan Details Issue ages 0 to 90 5,000 minimum ( 2,000 for qualified plans) 1,000 minimum per selected guarantee periodUp to 10% penalty-free withdrawal per policy yearCommentsFor more information on the bonus structure, pleaserefer to the contract or the appropriate sales material.8

Consultant VA I (Policy #VAP-9830)Flexible Premium Deferred Variable AnnuityTarget MarketThe Consultant I is for the variable annuity prospectwho is interested in tax-deferred growth as well as thewillingness to accept varying degrees of investment risk.Features and Benefits 53 different investment options plus six fixed accountoptionsEasy to select a diversified portfolio 17 nationally recognized portfolio managers:Aim, Alger, Federated, Fidelity, Janus, MFS, OpCap,Oppenheimer, PIMCO, Putnam, RS Investments,Salomon Brothers, Scudder, STI Classic Funds, Strong,T. Rowe Price and Van Kampen Both Qualified and Non-Qualified Plans available Tax-free TransfersInvestors are able to transfer between funds Waiver of Charges BenefitConfinement Waiver, Terminal Illness Waiver andUnemployment Waiver Enhanced Death BenefitProtection against the volatility of the marketPlan Details Issue ages 0 to 90 (both owner and annuitant)7-year surrender charge scheduleMinimum initial premium: 1,200Dollar cost averaging availableNo front-end sales loadsPortfolio re-balancing featureCommentsThis product is a security and must be sold by registeredrepresentatives of qualified broker/dealers.9