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Select-A-Term from Corebridge Financial (supplied by JHN Finance Insurance): Flexible term life insurance designed to protect your family's future with customizable coverage lengths and competitive rates. Get your quote today. This product is available in Minnesota and Missouri. ABOUT Select-a-Term Insurance Product Available in Minnesota and Missouri The Corebridge Financial Select-a-Term policy is a flexible and comprehensive term life insurance offering designed to provide temporary financial protection for a policyholder's family or business during a period when it is most needed. Issued by Corebridge Financial (formerly AIG Life & Retirement), this policy stands out in the marketplace for its wide range of customizable term lengths and robust features, offering peace of mind to those planning for future security. Core Features and Structure The Select-a-Term policy is fundamentally a pure term life insurance product. This means it provides a death benefit if the insured passes away within the specified term length. It does not accumulate cash value, which helps keep the premiums generally lower than permanent life insurance options. Customizable Term Lengths One of the defining characteristics of this policy is its flexibility in choosing the duration of coverage. Unlike many competitors who offer only standard 10, 15, 20, or 30-year terms, Corebridge Select-a-Term allows the policyholder to select any term length between 10 and 35 years. This granularity is highly beneficial as it allows the coverage period to precisely match a specific financial need, such as the duration of a mortgage, a child's dependence, or a business loan. Level Premiums The policy is structured with level premiums, meaning the premium payment remains constant throughout the chosen term length. This predictability makes budgeting easier for the policyholder. Once the initial term expires, the premiums become annually renewable and significantly increase, reflecting the higher mortality risk of the aging insured. Guaranteed Death Benefit The death benefit amount is fixed and guaranteed for the entire selected term. It is paid out tax-free to the designated beneficiaries upon the insured's death, providing funds for: Replacing lost income Paying off debts (e.g., mortgage, car loans) Funding education expenses Covering final expenses Convertibility Feature A critical component of the Select-a-Term policy is its convertibility option. This feature grants the policyholder the right to convert the term policy into a permanent life insurance policy (such as Whole Life or Universal Life) offered by Corebridge Financial without undergoing a new medical exam or providing evidence of insurability. The key aspects of conversion typically include: Conversion Period: The conversion must generally take place before the end of the level premium period or a specified age (often age 70 or 75), whichever comes first. Permanent Policy Options: The policyholder can choose from the available permanent life products at the time of conversion. Premium Calculation: The premium for the new permanent policy will be based on the insured's age at the time of conversion. This feature provides a valuable safety net, allowing policyholders to secure permanent coverage later in life, even if their health deteriorates during the term period. Optional Riders (Add-ons) To further customize the coverage, Corebridge offers several optional riders that can be added to the Select-a-Term policy for an additional cost. Common riders may include: 1. Waiver of Premium Rider This rider ensures that if the insured becomes totally disabled (as defined in the policy) for a specified duration, the insurance company will waive future premium payments while the policy remains in force. 2. Accidental Death Benefit Rider Provides an additional death benefit if the insured's death is the result of a covered accident, typically doubling the payout in such circumstances. 3. Children's Term Insurance Rider Offers a small amount of term life insurance coverage on the lives of all eligible children of the insured. This coverage is often convertible to a permanent policy later in the child's life. 4. Accelerated Living Benefit Riders (Included or Optional) These riders allow the policyholder to access a portion of the death benefit while still living if they are diagnosed with a qualifying severe illness (such as a terminal, chronic, or critical illness). While specific availability varies by state and product series, these living benefits provide crucial financial support during health crises. Underwriting Process The application process involves a thorough underwriting assessment to determine the risk class and resulting premium rate. Corebridge typically offers various underwriting classes, ranging from Preferred Plus (best rates) to Standard, and possibly various substandard classes (table ratings). The underwriting process usually includes: A detailed application form. A medical exam (paramedical exam), including blood and urine samples. Review of medical history (Attending Physician's Statement - APS). Checks of driving records and prescription drug history. Corebridge may also offer a "no-exam" or "accelerated underwriting" option for eligible applicants who meet certain age and death benefit limits, allowing for a quicker approval process based primarily on health records and internal data checks. Policy Renewal If the policyholder decides not to convert the policy or purchase a new one at the end of the level premium period, the policy automatically renews annually at a much higher, annually increasing premium rate up to a maximum attained age (e.g., age 95). While this ensures coverage continuity, the renewal premiums are usually cost-prohibitive, making conversion or securing a new policy the preferable financial strategy. Ideal Use Cases The Corebridge Select-a-Term policy is well-suited for individuals who: Need maximum coverage for the lowest initial cost. Require coverage to align precisely with a specific debt or obligation (e.g., a 23-year mortgage). Are young families seeking protection for income replacement during child-raising years. Want the flexibility to convert to permanent coverage later in life without medical qualification. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Shop for Medicare Advantage, Medicare Prescription Drug Plans and Medicare Supplement Plans Today with JHN FINANCE Health Central! LET'S GET YOU COVERED SHOPPING FOR MEDICARE COVERAGE? START A QUICK QUOTE IMPORTANT UPDATES: All Remaining UCare Medicare Advantage Members must pick a new Medicare Advantage Plan before the end of February 2026. Learn More MEDICARE ADVANTAGE MEDICARE SUPPLEMENTS Explore Medicare Advantage, Prescription Drug Plans and Supplemental Insurance options from carriers you may know and trust! CALL US EMAIL Get Started Right Away on Your Coverage... Submit JHN Application CREATE YOUR ACCOUNT GET STARTED Manage health plans with more control when you open Your JHN Network Account. Booking consultations + more with ease! 2026 UPDATES READ TODAY 2026 Health Plan Updates to be prepared for changes to regulations, laws and more! LATEST HEALTH BLOG READ TODAY Educate yourself on how certain health engines work, how to be better prepared and more general knowledge! SCHEDULE APPOINTMENT "Our job is to equip you with the knowledge to make educated decisions about your health insurance coverage." SCHEDULE INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? I agree to receive communications by text message about my inquiry. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Boost your retirement potential with Pacific Horizon IUL. Get tax-free income & market-linked growth with JHN Finance Insurance. Serving Minnesota & Missouri. About Pacific Horizon IUL 2 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon IUL 2 Infograph Product Thesis Pacific Horizon IUL 2 is a flexible premium indexed universal life insurance policy designed to serve as a dual-purpose financial instrument: it provides essential death benefit protection while simultaneously functioning as a tax-advantaged accumulation vehicle for supplemental retirement income. The product distinguishes itself by offering cash value growth potential linked to major market indices—without direct market exposure—secured by downside protection against market losses, and customizable through riders that enhance performance or guarantee coverage duration. 1. The Core Strategic Concept: "The Missing Asset" The product is positioned not merely as insurance, but as a "missing asset" in a diversified retirement portfolio, specifically designed to address risks such as insufficient income, tax uncertainty, and market volatility. Tax Diversification: Unlike 401(k)s or traditional IRAs, which are taxed upon distribution, Pacific Horizon IUL 2 offers tax-deferred accumulation and the potential for tax-free distributions through policy loans and withdrawals, provided the policy is structured correctly and remains in force. Sequence of Returns Risk Mitigation: The policy is engineered to protect retirement income against the "sequence of returns risk," where market losses early in retirement can deplete assets. By using a 0% guaranteed floor, the policy prevents the cash value from dropping due to negative index performance, effectively decoupling the asset's preservation from market crashes. 2. The Mechanics of Growth: Indexed Accounts The policy accumulates cash value by crediting interest based on the performance of external indices, yet does not directly invest in the stock market. Index Options: Policyowners can allocate cash value to various accounts tied to indices such as the S&P 500®, the BlackRock iBLD Endura® VC 5.5 ER Index, or the Invesco QQQ®. Crediting Methods: Interest is credited to "Segments" (created by transfers from the Fixed Account) over specific terms (e.g., 1, 2, or 5 years). Caps, Floors, and Participation Rates: Growth is limited by "caps" (a maximum interest rate) or "participation rates" (the percentage of the index gain credited), but strictly protected by a 0% guaranteed floor, ensuring that negative index performance does not reduce the accumulated value. 3. Performance Enhancement: The EPFR A defining feature of the Pacific Horizon IUL 2 is the optional Enhanced Performance Factor Rider (EPFR). Function: This rider is designed to amplify the policy’s indexed interest crediting potential. It applies a "performance factor" that multiplies the segment indexed interest credit. Designs: There are four designs—Classic, Plus, Performance, and Performance Plus—which vary in their cost and potential return. While the "Classic" design has no rider charge, the more aggressive designs (Performance and Performance Plus) incur an asset-based charge to leverage higher potential returns. Risk/Reward: While the EPFR increases upside potential, the associated rider charges are deducted regardless of index performance. In years of 0% growth, the rider charge will reduce the cash value, meaning the policy can lose value due to fees even if the index floor protects against market loss. 4. Liquidity and Access The policy offers substantial liquidity, allowing the owner to access cash value for retirement or other needs through multiple methods: Withdrawals: Owners can withdraw up to the amount of premiums paid (tax basis) tax-free, though this reduces the death benefit. Loan Options: The policy offers three distinct loan types: Standard Loans: A fixed interest rate charged and credited. Fixed Charge Indexed Loans: The loaned amount remains in the indexed account earning index-linked returns, while a fixed interest rate is charged. Indexed Loans: Similar to the above, allowing for arbitrage where the credited interest from the index may exceed the loan interest charged. 5. Cost Structure and Risks While offering accumulation potential, the Pacific Horizon IUL 2 carries specific costs and risks that must be managed to maintain the policy. Front-Loaded Costs: The policy incurs high acquisition costs in the early years. For example, in one illustration, policy charges in Year 1 amounted to 32.40% of the accumulated value, but dropped to 1.23% by Year 10. Lapse Risk: If the Net Accumulated Value is insufficient to cover monthly deductions (Cost of Insurance, Administrative Charges, Rider Charges), the policy enters a Grace Period and will lapse if sufficient premium is not paid. Lapse Protection: To mitigate this, the policy includes No-Lapse Guarantee Riders (e.g., coverage to Age 90 or Lifetime) which prevent the policy from lapsing as long as specific premium requirements are met, regardless of cash value performance. Conclusion Pacific Horizon IUL 2 allows high-net-worth individuals to utilize life insurance as a flexible financial chassis. It trades the unlimited upside of direct market investment for a structured environment of capped growth with guaranteed downside protection, all wrapped within a tax-favored distinct legal contract. Its success as a "missing asset" in retirement planning relies on the consistent funding of premiums, the management of policy charges, and the strategic selection of indexed accounts and performance riders. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Secure your retirement with American Pathways Immediate Income Annuities from Corebridge. Get protected growth & lifetime income with JHN Finance Insurance in MN & MO. About American Pathways Immediate Income Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Immediate Annuity Infograph Product Thesis The American Pathways Immediate Annuity is a single-premium financial vehicle designed to convert capital into a guaranteed, immediate income stream through customizable Single or Joint Life payout options, while distinguishing itself from traditional rigid annuities by offering specific liquidity features—such as Commutation Withdrawal and Advance Payment—that allow policyholders to access future guaranteed payments under strict contractual valuation formulas and eligibility requirements. Detailed Analysis and Support 1. Core Structure and Purpose The primary function of this product is to secure guaranteed income by exchanging a single lump-sum premium for payments that begin between 30 days and 13 months after the contract takes effect. The annuity is "non-participating," meaning it does not pay dividends, and it is backed solely by the claims-paying ability of the issuing companies, American General Life Insurance Company (AGL) or The United States Life Insurance Company in the City of New York (US Life),. 2. Customization of Income Streams The contract offers flexibility in how income is distributed to match the policyholder's needs. Single Life Options: An individual may select "Life Only" for maximum income until death, or "Life with 10 Years Certain," which guarantees payments to a beneficiary if the annuitant dies within the first decade. Joint Life Options: Couples may select "Joint and Survivor" plans where payments continue to a survivor at 100%, 75%, or 50% of the original amount, often combined with a "Period Certain" to ensure a minimum number of payouts regardless of early death. Payment Adjustments: Payouts can be designed to remain level or decrease upon the death of the primary annuitant. 3. Liquidity and Access to Capital Unlike many immediate annuities that irrevocably lock away principal, this product includes specific mechanisms for accessing funds: Commutation Withdrawal Benefit: Owners can receive a lump sum equal to the present value of remaining guaranteed payments, though this is restricted to "period certain" payments and cannot be used for life-contingent payments,. Exercising this option terminates the specific payments being commuted. Advance Payment Option: Policyholders over age 59½ may request a lump sum equal to the next six months of payments. This feature can be exercised twice during the life of the annuity. 4. Valuation and Costs of Liquidity The thesis emphasizes that liquidity comes with specific valuation rules that may affect the withdrawal amount. Commutation Calculation: The lump sum for a commutation withdrawal is determined by a "Commutation Interest Rate," which is calculated using a specific Moody’s corporate bond yield average plus a spread ranging from 10 to 50 basis points depending on the contract year. Interest Rate Risk: Because the payout is based on present value, a higher Commutation Interest Rate results in a lower lump sum payment to the policyholder. Tax Consequences: Withdrawals are treated as ordinary income for tax purposes and may be subject to a 10% federal penalty if taken before age 59½,. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Get permanent protection without the complexity. Pacific Venture UL 2 offers no-lapse guarantees up to age 90. Consult JHN Finance Insurance in MN and MO today! About Pacific Venture UL 2 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Venture UL 2 Infograph Product Thesis Pacific Venture UL 2 is a flexible premium universal life insurance policy designed for affluent individuals and business owners who require death benefit protection combined with the potential for cash value accumulation. The product distinguishes itself through high customizability, offering three distinct coverage configurations that allow policyholders to prioritize either early-year cash surrender values, long-term performance, or a balanced approach. Additionally, it provides robust living benefits through optional riders for chronic illness and long-term care, alongside standard no-lapse guarantees. Detailed Product Analysis 1. Target Market and Primary Objectives The policy is specifically tailored for business or affluent clients who need flexible death benefit protection to replace lost income, facilitate business succession, or manage estate taxes. It is also suitable for those with supplemental retirement income needs or legacy planning goals. The product structure supports various strategies, including executive retention plans and premium financing. 2. Customization of Coverage and Cash Value Strategy A core feature of the Venture UL 2 is the ability to select one of three "Coverage Types" at the time of issue, which cannot be changed later. This allows the client to align the policy’s mechanics with their specific financial horizon: Focus on Early-Year Liquidity: This option utilizes the SVER-3 Term Insurance Rider to increase the ratio of cash surrender value to premiums paid in the early years. This design is particularly useful for premium financing and business-sponsored designs where early exit strategies may be necessary. Focus on Long-Term Performance: This option utilizes the Long-Term Performance Rider (LTPR) to maximize non-guaranteed performance over a longer duration. It is designed for those prioritizing supplemental retirement income or death benefit-focused cases with shorter premium durations. Balanced Approach: This serves as a middle ground, balancing early-year liquidity with long-term accumulation potential. 3. Accumulation and Interest Crediting The policy offers attractive cash value potential by crediting a current declared interest rate, which is currently 5.8%. This current rate is guaranteed throughout the first policy year, while the policy maintains a guaranteed minimum interest rate of 1% for the life of the contract. 4. Protection Guarantees Pacific Venture UL 2 includes substantial safeguards against policy lapse: Standard No-Lapse Guarantee: Eligible policies automatically include a no-lapse guarantee up to age 90, ensuring coverage remains in force regardless of interest crediting, provided the specific no-lapse premiums are paid. Optional Lifetime Guarantee: For an additional cost, clients can elect a Flexible Duration No-Lapse Guarantee Rider, which extends protection up to the insured's lifetime. 5. Living Benefits and Riders The product offers extensive options for managing health-related financial risks through three specific rider choices: Premier LTC Rider: Provides reimbursement for qualified long-term care expenses with a monthly indemnity benefit. Premier Chronic Illness Rider: Offers benefits if the insured cannot perform two of six activities of daily living, without requiring a permanent condition (except in specific states like CA where availability differs). Premier Living Benefits Rider 2: Accelerates the death benefit for chronic conditions expected to be permanent, with no upfront cost. Additional riders include a Terminal Illness Rider and Overloan Protection 3 Rider, the latter of which helps prevent lapse on policies with large outstanding loans. 6. Policy Charges and Access to Capital Cost Structure: Policyholders are subject to a premium load (currently 5.20% for non-qualified premiums), monthly administrative charges ($10), cost of insurance charges, and coverage charges that apply for specific durations based on the coverage type selected. Surrender Charges: These apply if the policy is surrendered within the first 10 years. Liquidity: Policyholders can access cash value via tax-free loans and withdrawals. The policy offers a low annual net loan cost of 0.25% in years 1-5 and 0% in years 6+ on a current basis. Conclusion Pacific Venture UL 2 is a "venturous" financial tool that moves beyond simple death benefit protection by integrating investment-like accumulation features with insurance guarantees. Its primary thesis is flexibility: it allows the insured to tailor the cost structure and accumulation curve (early vs. long-term) to match specific business or personal financial planning cycles, while providing a safety net through no-lapse guarantees and chronic illness riders. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

A very brief list of the areas we are closest to as your neighbor! Please note that this list of service areas does not constitute definity; we've served clients in other counties such as Anoka and Dakota. If you need assistance, please reach out no matter where you are in Minnesota or Missouri! AREAS WE SERVE We are a Hennepin County business! With that being said, we're not afraid to travel or provide coverage to those outside of this list to provide coverage. This list is simply designed to provide relativity to let you know where to find us, and to show you how close we are to you as your neighbor. Golden Valley, MN. Minneapolis, MN. New Hope, MN. Plymouth, MN. Maple Grove, MN. Brooklyn Park, MN. Osseo, MN. Brooklyn Center, MN. St. Louis Park, MN. Minnetonka, MN. Crystal, MN. Wayzata, MN. Champlin, MN. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Lock in high guaranteed rates with American Pathways Fixed Annuities by Corebridge Financial. Secure your principal with JHN Finance Insurance in MN & MO today! About American Pathways Fixed Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Fixed Annuity Infograph Product Thesis The American Pathway fixed annuity series functions as a risk-averse retirement strategy designed to mitigate market volatility and longevity risk by providing guaranteed principal protection, fixed interest accumulation, and tax-deferred growth, while trading immediate liquidity for secure, long-term income streams. Detailed Synthesis To support this thesis, the American Pathway products are structured around three core pillars: financial stability independent of the stock market, tax-advantaged accumulation, and distinct product variations tailored to specific time horizons and income needs. 1. Stability and Market Independence The primary value proposition of the American Pathway series is the decoupling of retirement assets from stock market performance. Principal Protection: These annuities provide a guaranteed fixed rate of interest, ensuring that the contract value is not negatively impacted by market downturns. Guarantees: Unlike bank deposits, these are not FDIC insured; rather, all guarantees regarding interest and income payments are backed solely by the claims-paying ability of the issuing insurance company, American General Life Insurance Company (AGL). Predictable Returns: The products offer specific "interest rate guarantee periods." For example, the Fixed 5 and Fixed 7 products allow clients to lock in rates for one, three, five, or seven years, while the VisionMYG offers guarantees extending up to 10 years. 2. Tax Efficiency and Accumulation The product line emphasizes the power of tax deferral to accelerate asset growth compared to taxable accounts. Compound Growth: Taxes on interest earnings are deferred until withdrawal, allowing the money that would have been paid in taxes to remain in the account and earn interest. Tax-Advantaged Distributions: Upon annuitization (converting the contract to an income stream), a portion of each payment is considered a tax-free return of principal (for non-qualified contracts), rather than fully taxable income. 3. Product Variations and Customization The "American Pathway" brand encompasses different annuity structures designed to meet varying liquidity and income goals: American Pathway Fixed 5 & 7: These are single-premium deferred annuities suited for short-to-medium-term accumulation (1 to 7 years). They offer an optional "return-of-premium" guarantee, allowing the return of the initial investment minus net withdrawals at any time, though this feature results in a lower interest rate. American Pathway VisionMYG: Geared toward longer-term accumulation, this Multi-Year Guarantee (MYG) annuity offers rate locks for 4 to 10 years. It features a distinct withdrawal charge schedule that declines over 10 years. Deferred Income Annuity: This product focuses on longevity protection rather than accumulation. It converts a lump sum into a guaranteed future income stream, with options to defer payments for up to 30 years. It includes flexibility features like the "Income Start Date Adjustment," allowing the owner to accelerate or defer the start of payments once within a five-year window. 4. Liquidity Constraints and Costs While offering security, the thesis must acknowledge the liquidity trade-offs inherent in these contracts. Access Limitations: The products are long-term vehicles. While they allow for "penalty-free withdrawals" (typically the interest earned or 15% of the contract value annually), withdrawals exceeding these amounts are subject to withdrawal charges. Market Value Adjustment (MVA): For the Fixed 5, Fixed 7, and VisionMYG annuities, withdrawals made during the guarantee period that exceed the penalty-free amount may be subject to an MVA. This adjustment can decrease the withdrawal amount if interest rates have risen since the contract was issued. Exceptions: To mitigate liquidity risks, the contracts include waivers for terminal illness or extended care, allowing withdrawal charges to be waived under specific severe health conditions. Conclusion In summary, American Pathway fixed annuities constitute a conservative financial instrument. They are engineered for individuals prioritizing the security of principal and guaranteed income over the potential for higher, riskier market returns, accepting restricted liquidity and surrender charges in exchange for protection against market losses and outliving one's assets. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) MEDICARE SUPPLEMENTAL(MO) MEDICARE SUPPLEMENTAL (MN) Products offered by Humana ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Humana ©️ are property of Humana ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Humana ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Received a JHN Finance Insurance Booklet in the mail? Here's where you find out more on how JHN Finance can help you obtain your lifetime goals! ANSWERING YOUR HEALTHCARE QUESTIONS... "Don't Be Shy!" Ask any healthcare questions you may have, and we'll provide you an answer. ENTER YOUR EMAIL Ask Your Healthcare Question Here: I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! GET STARTED Our Story JHN FINANCE was founded in 2022. Originally specializing in financial study programs to assist financial professionals accomplish their career goals in the financial industry. Now, lead by the CEO & Founder, Jacob L. Hollingsworth a licensed & certified professional who's worked in many fields in the financial industry from the mail room, mortgage funding & securities studies, Jacob is focused on giving to his communities. Jacob is licensed in the states of Minnesota & Missouri and certified in both states with and by the following: the U.S. Department of Health & Human Services, MNsure, America's Health Insurance Plans (AHIP), Missouri Department of Commerce and Insurance and the Minnesota Department of Commerce Insurance Division. CEO & FOUNDER JACOB HOLLINGSWORTH Founder & CEO FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Medica Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED JHN Finance has products from this provider. BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS FAMILY & INDIVIDUAL SMALL BUSINESS HEALTH OPTIONS PROGRAM PLANS (SHOP) MNsure CERTIFIED ESSENTIAL PLANS Products offered by Medica ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Medica ©️ are property of Medica ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Medica ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

A professionally crafted Minnesota Life Insurance Plan awaits you! Receive clear direction from a licensed & certified Minnesota Insurance Broker about protecting your family and growing your wealth today. Craft Your Life Insurance Plan (612)268-1231 CALL NOW Local Twin Cities Agency. We live here. Maximize Wealth & Legacy. We structure plans that protect your family and grow your tax-advantaged capital. Licensed & Professionally Trained Broker Services (Free) 5.0 Google Rating | A+ Rating with the BBB OUR PROVIDERS "Jacob has been an absolute treat to work with. Trustworthy. Attentive. I would highly recommend Jacob as you are looking for your next insurance needs." - Amber C. A Local Insurance Agency Licensed & Trained Broker Authority No Cost Services Meet Your Local Minnesota Broker Licensed Agency Licensed Minnesota Insurance Agency. Independent Advocacy We work directly for you , not the national insurance carriers. Proprietary AI Technology The only Twin Cities broker using custom AI to instantly spot hidden risks. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .