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At NSI, We Take Your Insurance Needs “Personally”

There’s hardly any aspect of life that doesn’t require insurance coverage and risk management protection. To find the coverage you need, we take a comprehensive approach to your situation at North Shore Insurance Associates. We evaluate your life circumstances and, because of our expertise, unique associations, and complete range of insurance solutions, we can provide quotes that include discounts more frequently than other insurance companies. Our staff takes a personal interest in you and we will be there every step of the way before the policy begins and long-after as changes occur or are needed.

At NSI, we have you covered for life—plus health and auto insurance.


Protect Your Family’s Lives and Lifestyle with NSI Life Insurance

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can allow your family to continue the standard of living they now enjoy, as well as finance future needs like your children's education and your spouse's retirement plans.

Remember that life insurance premiums are based on your age and current health. Since you will never be any younger and most likely never any healthier, you should buy as much life insurance today as you can easily afford. The point is to design a policy that you will feel comfortable with.

Life Insurance—For the Fearless, Unflappable, and the Rest of Us
Whether you’re a warrior or a worrier, you need life insurance. No matter who you are and what you do, or how you feel about your indestructibility, there is always someone else who will be affected by your death both emotionally and financially. Whether you are a father and want to protect your family in case of your death or if you are a bachelor, there still will be someone responsible for covering the burial costs or possibly paying off your debts—or inheriting the wealth you managed to accumulate working with NSI as your financial advisor.

The two basic types of life insurance are term insurance and permanent insurance. You’re the one who chooses whether you want to own the policy (permanent life insurance) or rent it (term life insurance). Here are some basics to help you make an intelligent decision:

(Rent) Term Insurance, the most affordable type of insurance when initially purchased. It’s designed to meet temporary needs and provides protection for a specific period of time (the “term”). For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.


Benefits of term insurance:

  • The most affordable type of life insurance
  • Protection only for a specified period of time
  • Mortgage protection
  • Extra family protection until kids go on their own
  • Debt or loan protection
  • Replacement of potential income in an event of death

(Own) Permanent Insurance if you want lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

Benefits of permanent insurance:

  • Lifelong protection
  • Cash value accumulation
  • Loan possibilities or cash withdrawals

NSI would be happy to review your current situation, discuss options and offer different life insurance plans that suit you best.