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.

The Representative 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

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.

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.