Protect the people who make life worth living.
Life insurance for while you're alive
Indexed Universal Life, term, final expense and annuities from an independent Minnesota agency. A real licensed agent, plain English, and a 15-minute call that ends with a clear answer.
Start here · 20 seconds
What would you want this to do?
No phone number needed to start
(612) 354-6864 · Mon–Fri
Imran Manjlai · MN licensed producer · NPN 22282985 · Verify with MN Commerce
Coverage that fits your season of life
Four products. We'll tell you which one — or none — actually fits.
Indexed Universal Life
Permanent coverage with a cash value account that credits interest based on a market index, with a floor. Living benefits if you get seriously ill.
Indexed Universal Life is insurance, not an investment. Subject to underwriting. Living benefits vary by carrier. Policy charges and loans reduce cash value.
Term Life
Big, simple protection for the mortgage-and-little-kids years. 10–30 year terms.
Final Expense
A small policy so funeral costs never land on your kids. Ages 50–85.
Annuities
A contract that grows on a floor instead of a guess, and can turn into income you can't outlive. Fixed and fixed indexed only.
How this actually goes
Three steps, and you can stop at any of them.
Tell us the basics
Four questions, sixty seconds. No medical exam, no credit pull, no obligation.
A 15-minute call
A licensed agent, at a time you pick. Plain English, no script, no slides.
A clear answer
Including "you don't need this," if that's the honest answer. We'd rather tell you than sell you.
THE PERSON WHO ACTUALLY CALLS YOU
Meet Imran.
North Star's licensed producer. He's the one who reads your answers, makes the call, and is accountable for what gets recommended — there's no call center and no handoff to someone you've never spoken to.
Name
Imran Manjlai
Title
Minnesota Resident Insurance Producer
License
#41052103 · NPN 22282985
Line of authority
Life
Who we usually end up helping
Most of our conversations start in one of three places.
You're 45–60 and doing fine
The mortgage is nearly gone, the retirement accounts are funded, and the question has quietly shifted from “what if I die young” to “what happens to what I've built.”
Usually this is an IUL conversation, sometimes it's a conversation about not buying anything at all.
You just had a kid and did the math
One income covers a mortgage and a childcare bill, and you've realised what happens if that income stops.
This is almost always term — the most coverage per dollar, sized to the years your kids are actually dependent.
You're self-employed, so there's no group plan
Owner-operators, contractors, small business owners. No employer coverage, irregular income, and nobody at HR to ask.
We spend a lot of time here, and the honest answer is often simpler and cheaper than people expect.
Three ways to buy life insurance
We're one of three. Here's an honest read on all of them.
Buying direct online
Good for
- Instant quotes with no phone call
- Simple term policies
- You already know exactly what you want
Trade-off
- You're limited to that one platform's carriers
- Nobody checks whether the product actually fits your situation
A captive agent
Good for
- Deep knowledge of one carrier's products
- A long-term relationship with one company
Trade-off
- They can only offer what that one carrier sells, so the recommendation is bounded by their shelf
An independent agency
Good for
- We shop multiple carriers
- We can tell you none of them fit
- We're paid by the carrier only when a policy is placed, so the conversation costs you nothing
Trade-off
- It isn't instant — it takes a real 15-minute conversation
You can get to a real number in about thirty seconds
No email, no phone number, nothing sent to us. It runs in your browser using the DIME method, which is the same arithmetic a licensed agent starts from.
Open the full calculator →That's one of four inputs. The full calculator adds your mortgage, debts, education costs and what you already have.
Questions people actually ask
Nobody's pushing you into a policy that doesn't fit.
A 15-minute conversation with a licensed Minnesota agent. If what we sell isn't right for you, we'll say so.