Flexible Coverage

Universal Life Insurance offers flexibility in the amount of premiums you pay and the death benefit. It allows you to earn both a guaranteed rate of return and current rate of interest on your cash values. This type of insurance offers you the flexibility in adjusting the face amount and premium of your policy as your insurance needs change. For example, for a young family seeking a large amount of death benefit protection that is affordable, this product can be suitable. As income increases and needs change, both the premium and death benefit can be periodically adjusted.

A Financial Consultant can work with you and your tax advisors to develop a comprehensive insurance program, to protect you, your family, and your business and help you meet your financial goals. The licensed Financial Consultants will prepare an individual recommendation based on your needs, reflecting the best portfolio of insurance products for you.

We're Here to Help...

Simply click on "Ask The Expert" to send us an e-mail, call us at 1-800-ASTORIA, or click on "Locations" to find the branch nearest you. We look forward to working with you!

Legal Disclosures

The LPL Financial Consultants associated with this site may only discuss and/or transact securities business with residents of New York State.

Securities and Insurance products offered through LPL Financial and its affiliates (Member FINRA/ SIPC).

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Astoria Federal Savings and GIS Investments and Insurance are not registered broker/dealers and are not affiliated with LPL Financial or its affiliates.