This one is slightly better because the person doesn't look like a huge douche:
Still, though, I wonder what this guy is doing here. I know he is the spokesman or some such, and he has a wonderful voice on the TV ads, but in this he isn't saying anything. He sort of looks like he is about to say something, but then he doesn't. I don't think this guy is famous, so it isn't like a celebrity endorsement (let me know if I am wrong), it is just a picture of a guy. There is nothing objectionable about any individual element here, but I feel like they could have him saying something, or doing something insurance-y, or replaced the picture of him with some benefit of Allstate, or they could have shrunk the ad to just the message at the top and the zip code and logo box at the bottom. If they had done any of this, they would have been increasing the amount of information conveyed with this information conveying box per square inch of conveyance space. The fact that they didn't makes me wonder about their commitment to efficiency. They could have conveyed more information for the same cost. They could have conveyed the same information for lower cost.
Allstate is advertising below the production possibilities frontier (point A on the chart). This leaves me extremely skeptical about their overall corporate efficiency.