Control How Your Cash Values Are Invested

Like Universal Life, Variable Universal Life offers flexible premium options and death benefit flexibility. Yet, with Variable Universal Life, you can control how your cash values are invested by choosing among a wide array of choices in separate investment accounts. With positive investment performance, the death benefit may grow and stay ahead of inflation. While this type of insurance offers fewer guarantees than Whole Life, it may be appropriate for you if you are willing to take investment risks since it offers you choices with your investment options. For example, Variable Universal Life can be used as a supplemental retirement plan, in most forms of business insurance, like business continuation, and non-qualified deferred compensation for employees. The Joint & Last Survivor version of Variable Universal Life can be an excellent option for estate planning.

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

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Legal Disclosures
Insurance products are made available by AF Insurance Agency, Inc., a wholly-owned subsidiary of Astoria Financial Corporation ("AFC") and sold through IFS Agencies, Inc., ("IFSA"), a licensed insurance agency. Variable Life Insurance is sold through GIS Investments and Insurance Services, a service of IFMG Securities, Inc. ("IFMGSI") and IFSA. IFMGSI is a registered broker-dealer (Member FINRA/SIPC).

IFMGSI and IFSA are not affiliates of AFC, Astoria Federal or AF Insurance Agency, Inc.

The insurance products referenced herein are not insured by the FDIC or any other agency of the United States. They are not insured by, are not deposits or other obligations of and are not guaranteed by AFC, Astoria Federal or AF Insurance Agency, Inc. Variable Universal Life involves investment risk, including the possible loss of principle.