Flexible Coverage at a Reasonable Cost

Term Life Insurance enables you to buy a large amount of insurance at a lower initial cash outlay than permanent insurance. This type of insurance is usually purchased to take advantage of a temporary or short-term situation, such as a mortgage obligation, business debt or key person insurance. Unlike permanent insurance, a term life policy has no cash value and the benefit is the face value of the policy. Some term policies permit the insured to renew with no medical requirements at a higher premium according to policy terms.

A Financial Consultant 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 upon your needs, reflecting the best portfolio of insurance products for you.

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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.