Were those with both parents having a mil or one?
At least in one of these cases I know that one of the parents had less than 1MM, however ALL of the cases that were approved were submitted in 2015, so I don't know yet what will happen going forward.
We really don't want to waste time guessing and second guessing. If both parents have a million, we will submit.
If one parent doesn't have, we can help the other parent get it. (In most cases it probably makes sense for both parents to have 1MM, regardless of the Allstate application).
If you want to get insurance just in order to get approved with Allstate and then plan to drop it, we suggest you don't get it through a Yid.
If you need to get insurance and plan on keeping it, even if you plan on reducing the amount of insurance down the road, Halacha says that you should get it from a Yid! It doesn't have to be from us (though we do appreciate business), but if it's real business, the torah says: או קנה מיד עמיתך!
(I am stressing this because I just got a phone call from someone who told me that he's in the process of applying for insurance, when I asked him which company, he told me that he called up GEICO for it. Besides for not complying with the Torah directive to do a business with a fellow Yid, you might also end up dealing with someone with a גויישע קאפ!)