Protect your team and your bottom line. JHN Finance helps MN & MO businesses compare and secure affordable, top-tier Group Health plans. Get a free quote! About Group Health Plans (Small Business+) Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Group Health Plans (Small Business+) Infograph Product Thesis Group Health Plans: Protect Your Team and Your Bottom Line At JHN Finance, we know that running a business is hard enough without having to become a healthcare expert on top of it. Whether you have a team of two or a growing workforce of fifty, offering a competitive benefits package is no longer just a perk—it’s essential for attracting and retaining top talent. As your local commercial insurance brokers in Minnesota and Missouri, we help you navigate the complexities of small business healthcare. We negotiate with top carriers to find the perfect balance between high-quality care for your employees and a predictable budget for your business. Why Offer Group Health Insurance? Beyond doing right by your team, providing employer-sponsored health insurance offers serious strategic and financial advantages for your business: Tax Advantages: Employer contributions to group health premiums are typically 100% tax-deductible as a business expense. Plus, your employees pay their portion with pre-tax dollars. Recruit and Retain: In today's competitive job market, comprehensive health benefits are often the deciding factor for top-tier candidates. A Healthier, More Productive Workforce: Employees with easy access to preventative care take fewer sick days and report higher job satisfaction. Better Risk Pools: Because group plans spread the risk across all your employees, they often provide broader coverage networks and lower per-person premiums than individual marketplace plans. How JHN Finance Makes It Easy Navigating ACA requirements, minimum participation rates, and renewal hikes can be a massive headache. "We don't work for the insurance companies. We work for you." Tailored Plan Design: We analyze your workforce's needs and your budget to build the proper structure—whether that’s a traditional fully insured plan, a level-funded option, or utilizing Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs). Top-Tier Carriers: We shop our extensive network of providers to bring you the best options. Dedicated Administrative Support: We handle the complex paperwork, employee onboarding, and yearly market comparisons so you can get back to running your business. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota EXPLORE THIS PROVIDER NEXT 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©️ .

Not comfortable transmitting documents through text or email? No problem! Upload your documents securely with our upload portal. Your licensed broker will have access to your documents, and documents are available immediately internally. Safe and secure! Upload Documents Securely Upload your documents safely and securely to your licensed broker. Uploading documents through this portal means you are of the identity of the uploader, or have been granted permission to upload such documents through discretion of the authorizing party. Document uploads are subject to the privacy terms and conditions of JHN Finance. Individuals & parties are encouraged by Jacob Hollingsworth Network Corporation / JHN Finance to verify the licensing & national producer number of an insurance broker agency before transferring personal & private information. National Producer Number: 20403215 | MN License Number: 40816854 | MO License Number: 3003313411 Upload Doc (Documents) Upload More (Images) SUBMIT DOCUMENT Your content has been submitted An error occurred. Try again later

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©️ .

Often times we use our emotions to determine our financial capacity to obtain insurance. Now, there's a tool that evaluates your financial leverage based on the law of averages in your area. Using Google Gemini AI technology, explore the Minnesota AI Financial Insurance Expert tool that measures your income and more to help you determine your cost capacity for life insurance, health insurance and annuities. MN AI Financial Insurance Expert Evaluate your finances and gain quality feedback using some of the latest Google Gemini AI generative technology! The tool scours the worldwide web and takes information from resources you know to help you evaluate your finances for insurance coverage. EVALUATE YOUR FINANCES Primary Data Sources Minnesota Department of Employment and Economic Development MNsure Minnesota Department of Human Services You will be taken to a third party resource when opting to select and explore these links. Those sites are not monitored by JHN Finance and are not subject to the terms and conditions of JHN Finance. 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©️ .

The IUL for people who love guarantees. Get death benefit protection & competitive cash growth with Pacific Trident IUL at JHN Finance Insurance (MN & MO). About Pacific Trident IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Trident IUL Infograph Product Thesis The Pacific Trident IUL is a flexible premium indexed universal life insurance policy designed for affluent individuals and business owners that seeks to balance death benefit protection with high early-year cash value liquidity and market-linked growth potential. Its core value proposition lies in its ability to offer the upside potential of stock market indices protected by a 0% floor, combined with specific riders—most notably the Limited Return of Premium Guarantee Rider—that mitigate financial risk in the early years of the policy, making it particularly suitable for premium financing and corporate-sponsored plans. 1. Core Structure and Investment Mechanics The policy functions as a universal life chassis that allows for flexibility in premium payments and death benefits while providing potential for cash value accumulation. Indexed Crediting: The policy does not invest directly in the stock market; rather, it credits interest based on the performance of indices such as the S&P 500®, MSCI EAFE, and EURO STOXX 50®. Account Options: Policyowners can allocate funds between a Fixed Account (guaranteed minimum 1% crediting rate) and eight different indexed accounts. These include 1-Year, 2-Year, and 5-Year terms, as well as "Flex" and "Plus" accounts that utilize different caps, participation rates, and segment adjustment factors to tailor interest potential. Downside Protection: A fundamental feature is the guaranteed floor of 0% on all indexed accounts, ensuring that the cash value is never reduced due to negative index performance, though it remains subject to policy charges. 2. Strategic Guarantees for Liquidity and Security A defining characteristic of the Pacific Trident IUL is its focus on guaranteed cash surrender values, which addresses the liquidity risks often associated with early policy years. Limited Return of Premium Guarantee Rider (LROPG): This optional rider is specifically designed for designs like premium financing or corporate-owned life insurance. It guarantees that the cash surrender value will be at least 85% of premiums paid (less debt) if the policy is surrendered within the first 10 years, provided minimum premium requirements are met. No-Lapse Guarantees: The policy includes a Short-Term No-Lapse Guarantee (4 to 20 years) at no additional cost. For extended protection, an optional No-Lapse Guarantee Rider is available to ensure the death benefit remains in force for up to the insured's lifetime, regardless of cash value performance. 3. Flexibility for Personal and Business Planning The Pacific Trident IUL is engineered to adapt to changing financial needs, serving as both a protection instrument and a financial asset. Access to Cash Value: Policyholders can access accumulated value through tax-free withdrawals and loans. The policy offers Standard Loans (with a guaranteed interest spread) and Alternate Loans (linked to indexed returns), as well as an Overloan Protection Rider to prevent lapse due to excessive borrowing. Health-Related Benefits: The policy offers optional riders for Chronic Illness (Premier Living Benefits Rider 2) and Long-Term Care (Premier LTC Rider), allowing the acceleration of death benefits to cover qualifying care expenses. Business Applications: The policy is explicitly marketed for executive benefit plans, such as endorsement split-dollar arrangements, where a business pays premiums and retains access to cash value as a corporate asset while the executive's beneficiary receives the death benefit. 4. Target Market and Risks The product is tailored for "affluent individuals and businesses" seeking high guaranteed cash values and the certainty of guarantees alongside indexed potential. Suitability: It is appropriate for those considering supplemental retirement income, corporate-sponsored plans, or premium financing strategies. Cost Considerations: The policy incurs various monthly charges, including administrative fees, cost of insurance, and charges for optional riders. While the 0% floor protects against market loss, cash value can still decrease due to these policy deductions. Lapse Risk: If premiums are insufficient or if the Net No-Lapse Guarantee Value hits zero, the policy may lapse, potentially requiring significant additional premiums to reinstate. 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©️ .

From Term Life to Indexed Universal Life, find the right Pacific Life plan for your needs. Trusted local service from JHN Finance Insurance in MN and MO. 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 Pacific Horizon IUL 2 Pacific Horizon ECV IUL Pacific Horizon Survivorship IUL Pacific Trident IUL Pacific Elite Term Pacific Venture UL Products offered by Pacific Life ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Pacific Life ©️ are property of Pacific Life ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Pacific Life ©️ . 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©️ .

Explore healthcare options with JHN Finance Insurance's health insurance market! Various healthcare products available in both Minnesota and Missouri. See what fits you and inquire about professional direction today to receive assistance on making the decisions that matter the most! JHN FINANCE Healthcare Market Shop healthcare plans are get started on your quote for coverage quickly! GET A QUOTE Medical Insurance Products & Providers Medical Insurance Products range from Medicare Advantage to Business Health Plans. Shop below and decide upon which products may fit your needs. Note that products are regional specific. Medica Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota) MNsure Eligible HUMANA Medicare Advantage, Dental, Vision LEARN MORE (Missouri) Delta Dental Dental, Vision, Group Dental, Group Vision (Minnesota) MNsure Eligible LEARN MORE AETNA Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota | Missouri) AFLAC Medical Supplemental (Medigap), Final Expense LEARN MORE (Missouri) Ameritas Dental, Vision, Group Dental, Group Vision LEARN MORE (Minnesota | Missouri) Healthspring | Cigna Medicare Advantage, PDP Plans LEARN MORE (Minnesota | Missouri) Coverage Being Requested Select an option Full Name Date of Birth * required Phone Number ZIP Code SUBMIT An error occurred. Try again! Successful Submission! Learn About Different Healthcare Plans MEDICARE ADVANTAGE INDIVIDUAL & FAMILY Group Health Plans (Business Health) 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©️ .

Provide your heirs with tax-free liquidity for estate taxes. Explore Pacific Life’s Survivorship IUL with JHN Finance Insurance in MN or MO. Secure your wealth. About Pacific Horizon Survivorship IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon Survivorship IUL Infograph Product Thesis Pacific Life’s Horizon Survivorship Indexed Universal Life (IUL) is a flexible premium, last-survivor insurance product designed to insure two lives under a single policy, paying a death benefit only upon the passing of the surviving insured. This financial instrument is engineered to provide liquidity for estate planning, tax liability management, and wealth transfer while offering cash value accumulation potential linked to market indices. The policy distinguishes itself through a "volatility control" strategy—utilizing the BlackRock Endura® Index and an optional Enhanced Performance Factor Rider—to offer upside growth potential while protecting the policyholder from index-based losses via a guaranteed 0% floor. Detailed Analysis of the Topic 1. Core Structure and Purpose The Horizon Survivorship IUL is fundamentally a "second-to-die" policy. Unlike traditional life insurance that pays out on the first death, this policy remains in force until the death of the second insured. Target Audience: It is traditionally used by married or unmarried couples with substantial assets to offset federal/state estate taxes or to equalize inheritance among heirs (e.g., when business assets cannot be easily divided). Cost Efficiency: It provides cost-efficient protection for two lives, making it particularly useful for partners with significant age or health differences. Financial Utility: Beyond death benefits, the policy serves as a vehicle for potential tax-free supplemental retirement income through loans and withdrawals from the accumulated cash value. 2. Cash Value Accumulation and Indexing The policy allows the owner to allocate premiums to specific accounts that credit interest based on external market performance, without directly investing in the stock market. Indexed Accounts: Interest credits are linked to the performance of major indices, including the S&P 500®, Invesco QQQ®, and the BlackRock iBLD Endura® VC 5.5 ER Index. Volatility Control: A distinct feature of this product is the inclusion of Volatility Control Indexed Accounts. These accounts track the BlackRock Endura® Index, which dynamically adjusts allocations between U.S. equities and Treasuries to reduce losses during market downturns. Downside Protection: The policy includes a guaranteed "floor" of 0%. This means that even if the underlying index performs negatively, the credited interest rate will not be less than zero, protecting the cash value from investment loss (though policy charges will still reduce the value). 3. The Enhanced Performance Factor Rider (EPFR) To potentially increase accumulation, the policy offers an optional rider called the Enhanced Performance Factor Rider (EPFR) available at issue. Function: This rider applies a multiplier (Performance Factor) to the indexed interest credit. Design Options: Policyowners can choose between three designs: Classic: No additional rider charge and a performance factor of 1.0 (standard performance). Performance: Moderate monthly charge for a higher performance multiplier. Performance Plus: Higher monthly charge for the highest potential performance multiplier. Risk: While the EPFR increases upside potential, the associated monthly charges are deducted regardless of performance. If the rider charges exceed the interest credited, the policy’s accumulated value will decrease, potentially increasing the risk of lapse. 4. Flexibility and Policy Riders The Pacific Horizon Survivorship IUL is designed to adapt to changing life circumstances through various riders and provisions: Policy Split Option: Allows the policy to be split into two individual policies (one on each life) in the event of divorce or significant changes to federal estate tax laws. No-Lapse Guarantee: Ensures the policy remains in force for a specific duration (up to the younger insured's lifetime) regardless of cash value performance, provided the "no-lapse guarantee value" remains positive. Surrender Enhancement: An optional rider that increases the cash surrender value in the early years of the policy, providing greater financial flexibility if the policy needs to be surrendered early. Conversion: In policy year eight, the coverage may be converted to a new product without new underwriting or surrender charges. 5. Policy Mechanics and Charges Premiums: The policy utilizes flexible premiums, allowing the owner to adjust payments within certain limits (Guideline Premium Test or Cash Value Accumulation Test) to maintain the policy’s tax-qualified life insurance status. Death Benefit Options: The policy offers different death benefit options (e.g., Option A or B), which can be changed once per policy year. Charges: The policy incurs monthly deductions, including Cost of Insurance (COI), administrative charges, coverage charges, and applicable rider charges. These charges reduce the accumulated value. Loans and Withdrawals: Owners can access cash value through standard policy loans or withdrawals. While generally tax-free, these actions reduce the death benefit and cash value, and excessive borrowing can cause the policy to lapse. 6. Risks and Considerations Lapse Risk: If the accumulated value (less debt) becomes insufficient to cover monthly deductions, the policy will enter a grace period and may lapse (terminate with no value) if sufficient premiums are not paid. Modified Endowment Contract (MEC): If premiums are paid too rapidly (exceeding the "7-pay limit"), the policy may be classified as a MEC, resulting in less favorable tax treatment for withdrawals and loans. Market Caps: While there is a 0% floor, growth is often subject to "Caps" or "Participation Rates" that limit how much of the index's gain is credited to the policy. 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. 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