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. 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©️ .

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Available products with Aflac 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 offered by Aflac ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Aflac ©️ are property of Aflac ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Aflac ©️ . 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©️ .

Your handy guide answering your frequently asked insurance questions. We've got blogs, insight and much more. Learn more today! JHN FINANCE FAQs Answering the most frequently asked life and health insurance industry questions searched by your neighbors on the worldwide web. Crafted with the help of Google Gemini, ChatGPT and Perplexity. Questions fréquemment posées General Health Insurance Life Insurance Annuities Should I get an Insurance Broker? Yes, before choosing an insurance plan, you should almost always consult with a licensed insurance broker first. Think about it this way: before selecting any plan on the federal or state health marketplace when calling for assistance, you are directed to a licensed broker. This should be the case when selecting coverage for life insurance and annuities as well. In fact, even more of the case. Life insurance and annuities are lifetime guarantees. Health insurance plans are elected yearly. 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©️ .

Compare top Medicare Advantage plans in MN & MO with JHN Finance. Skip the confusion—our local brokers find your perfect all-in-one coverage for free. About Medicare Advantage Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Medicare Advantage Infograph Product Thesis Medicare Advantage, also known as Part C, is an "all-in-one" alternative to Original Medicare. These plans are offered by private companies—like our partners Aetna, Humana, and Medica—and are approved by the Centers for Medicare and Medicaid Services. When you join a Medicare Advantage plan, you still have Medicare, but you get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. Why Choose Medicare Advantage? Most Medicare Advantage plans offer coverage for things that Original Medicare simply doesn’t touch. Common benefits include: Prescription Drug Coverage (Part D): Some plans include "built-in" drug coverage, so you don't have to purchase a separate policy. Vision, Dental, and Hearing: Many plans include routine exams, glasses, and even hearing aids. Out-of-Pocket Maximums: Unlike Original Medicare, these plans have a yearly limit on what you pay for covered services. Once you reach that limit, the plan pays 100% for the rest of the year. Wellness & Fitness + Additional Benefits: Many of our providers offer gym memberships and expense compensation options. Choosing the Right Network Since Medicare Advantage plans use provider networks, it’s vital to ensure your preferred doctors and hospitals are included. JHN Finance specializes in comparing: HMOs (Health Maintenance Organizations): Usually require you to see doctors within the network. PPOs (Preferred Provider Organizations): Offer more flexibility to see out-of-network providers (usually at a higher cost). Why Trust JHN Finance with Your Medicare? You’ve worked hard for your retirement; you shouldn't have to work hard to keep it healthy. Expert Guidance: We know the Minnesota and Missouri markets. A Personal Connection: Skip the government websites and automated call centers. When you work with JHN Finance, you have a dedicated broker who knows your name and provides you proper direction the first time. No Added Cost: Our consultation and enrollment services are free to you. We are compensated by the providers, allowing us to focus entirely on finding the best plan for your needs. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota and Missouri 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©️ .

Meet Jacob Hollingsworth, the dedicated life and health insurance broker behind JHN Finance. Learn about his mentorship, his previous works, and how he got into the industry. About the CEO & Founder Jacob Hollingsworth From St. Louis, Missouri, Jacob Hollingsworth born Nov. 19th, 1994, knew he had a mind for business and helping others. In 2017, Jacob moved to Minnesota in hopes of pursuing his mindful vision. In 2018, Jacob received his license as Life, Health & Accident Insurance agent where he worked for World Financial Group as an intern and studied under Kim & Tommy Nguyen. Kim Nguyen with over 21 years of experience as a licensed broker with FINRA, and Tommy Nguyen who trained Jacob in the business of "professionalism". At this time, Jacob trained and eventually began to lead workshops on financial literacy. Including a workshop at the University of Minnesota - Mankato. The CEO had a much larger vision, though. In 2020, Jacob introduced the thought of Jacob Hollingsworth Network Corporation. He envisioned the business as using all of his resources and tools to help people reach the visions they had for their lives. In 2021, Jacob helped 25+ college graduates and future financial industry professionals reach their goals by helping them pass their securities industry FINRA exams with his study program. In 2022, Jacob licensed JHN FINANCE as an insurance agency in the state of Minnesota and licensed the agency as a non-resident agency of Missouri in 2024. The owner now has 8 years of financial industry experience. Business Card Business Card Downloadable file. Licenses & Certifications Small Business Health Options Program (SHOP)Small Business Health Options Program (SHOP) U.S. Department of Health and Human Services (HHS) Licensed Life, Health & Accident Insurance Broker (Minnesota) Licensed Life, Health & Accident Insurance Broker (Missouri) Annuity Suitability Trained (Best Interest Standards) MNsure Certified Insurance Broker America's Health Insurance Plans Certified Federal Facilitated Marketplace Certified for Families & Individuals VERIFY LICENSING JHN Finance operates with complete transparency and holds active, state-verified licenses to protect our clients. We encourage all Minnesota and Missouri residents to verify their broker's credentials before discussing their health or financial legacy. Missouri verifies licensing through the National Association of Insurance Commissioners (NAIC) . Minnesota licensing verification is done through Sircon via the Minnesota Commerce Department - Licensing . National Producer Number (NPN): 18970997 Minnesota State License Number: 40816854 Missouri State License Number: 3003304382 VERIFY LICENSING (MN) VERIFY LICENSING (MO) VERIFY PRODUCER NUMBER ABOUT THE COMPANY 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©️ .

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Find the right Minnesota life insurance plan with JHN Finance. Explore Term, Whole, and IUL policies to protect your family. Meet a licensed broker today! Minnesota Life Insurance Meet a Licensed Broker 42% of small private companies offer life insurance. 87% of large private companies offer life insurance. 99% of the Minnesota job force works in the private sector. Data courtesy of U.S. Bureau of Labor Statistics . WHAT DOES THIS MEAN FOR MINNESOTANS? This could signal that the majority of Minnesotans are utilizing employer sponsored life insurance plans . This can be concerning considering the majority of employers adopt minimum essential life insurance benefits to access flexible tax advantages. The primary objective simply isn't your family. If you're not an employer, where does that leave you? ABOUT THE CEO "Families rely on a $50,000 employer policy. The Twin Cities' mortgage is $417,150 . Your family deserves a plan built for them, not a corporate tax write-off. " – Jacob Hollingsworth, Licensed MN Broker According to Rocket Mortgage . Term Life Insurance Why get Term Life Insurance in Minnesota? If comprehensive policies with cash-value incentives aren't in your current budget, a private Term Life plan is a highly effective, affordable starting point. It puts you in control and eliminates the risk of running of cash at pretty low payout limit. The Advantages Over Employer Coverage: Breaks the $50k Cap: Most employer plans are capped at a $50,000 death benefit that doesn't increase to combat inflation. A private plan allows you to select a payout that actually meets your family's modern financial needs. Total Job Independence: Employer plans disappear if you lose your job, or expire after just 18 to 36 months under COBRA. Your private term policy stays with you no matter where your career takes you. Custom Timeline Flexibility: You have complete domain over your coverage. Lock in your policy for the exact window you need it most—whether that is a 10, 20, or 30-year term. Measure My Financial Fit If you have the financial means to move beyond a temporary term policy, Whole Life Insurance provides ultimate, lifelong security. It is designed for one primary objective: guaranteeing your heirs achieve complete financial stability after you pass away, far exceeding the limits of an employer-sponsored plan. The Advantages of Lifelong Coverage: Permanent Protection: There are no expiring "terms" to worry about. As long as your premiums are met, your policy is designed to last your entire lifetime. Guaranteed Legacy: It assures your descendants have access to a substantially larger, guaranteed death benefit to cover major expenses or build generational wealth. Simplicity & Focus: This plan is ideal if you want absolute certainty about your family's future financial stability, without needing to manage complex living benefits or market attachments. Whole Life Insurance Why get Whole Life Insurance in Minnesota? Measure My Financial Fit Index Universal Life Insurance (IUL) How an IUL Outpaces Minnesota Inflation... With Minnesota metro housing costs rising 14.6% and Midwestern food and transportation costs surging, traditional fixed insurance policies are struggling to keep up. An Indexed Universal Life (IUL) policy solves this. It provides the permanent security of Whole Life, but adds a powerful cash-value growth engine anchored to market indexes like the S&P 500. The Advantages of Dynamic Growth: Zero-Floor Market Protection: You get to participate in the upside of the market, but your contract includes a guaranteed "floor." If the market crashes, you simply earn zero for that period—you never lose your accumulated value. Advanced Living Benefits: An IUL offers superior cash-value flexibility. You can access these funds tax-advantaged while you are still living to supplement your retirement, fund a business, or handle emergencies. Inflation-Proofing: Because your policy has the potential for index-linked growth, it is specifically designed to protect your family's purchasing power against the rising cost of living in the Twin Cities and beyond. Measure My Financial Fit SOME OF THE WAYS LIFE INSURANCE FINALLY PROVIDES ANSWERS FINANCIALLY LIFE INSURANCE FOR YOUR ESTATE At the heart, life insurance is designed to protect the integrity of your family's financial stability by covering debt obligations like mortgages and credit payments. Meet a Licensed Broker Business Owner Plans Learn More About Your Life Insurance Options Explore JHN Finance Blog posts about specific life insurance plans that can help you better understand your options. FEATURED POST Aucun post publié dans cette langue actuellement Dès que de nouveaux posts seront publiés, vous les verrez ici. Questions fréquemment posées Minnesota Life Insurance Why do most Minnesota employer life insurance plans cap at exactly $50,000? Under federal IRS rules (Section 79), any employer-provided life insurance coverage over $50,000 is considered "imputed income" and is taxable to the employee. To avoid the tax burden and administrative hassle, most private companies simply cap the benefit at $50,000—regardless of whether that amount actually covers a modern Twin Cities mortgage or your family's true living expenses. While this employer-sponsored coverage is a nice baseline perk, $50,000 is rarely enough to cover a modern Twin Cities mortgage, let alone secure your family's true long-term living expenses. This is exactly why Minnesota professionals work with an independent broker to secure a privately owned, supplemental term life policy that remains under their control and is never restricted by corporate tax caps or employment status. Can I buy a private life insurance policy in Minnesota if my employer already provides one? Yes, Minnesota residents can absolutely buy a private life insurance policy even if their employer already provides group coverage. You are legally permitted to carry an independent Term, Whole, or Indexed Universal Life (IUL) policy concurrently with any employer-sponsored plan. In fact, securing independent coverage is highly recommended. Because your private policy is entirely unattached to your job, you maintain total ownership and control. This guarantees that you will not lose your family's financial protection if you are laid off, switch careers, or transition into retirement. Are life insurance payouts taxable in the state of Minnesota? Generally, no. When the insured person passes away, the death benefit paid out to the beneficiaries is almost always exempt from standard income taxes. However, if the death benefit is exceptionally large, it could be subject to federal or Minnesota state estate taxes. The limit per individual receiving a death benefit is $3 million in the state of Minnesota. A licensed broker can help you structure your plan to maximize tax-free advantages for your heirs. What is the "Free Look" period for life insurance in Minnesota? Minnesota law requires insurance carriers to provide a mandatory "Free Look" period. Once your life insurance policy is delivered, you typically have between 10 to 30 days (depending on the specific contract and how it was purchased) to review the documents. If you decide the plan isn't right for you within that window, you can cancel it for a full refund of any premiums paid. Is my life insurance protected if the insurance company goes bankrupt in Minnesota? Yes. If you purchase a policy through a licensed broker from a carrier authorized to do business in the state, you are protected by the Minnesota Life and Health Insurance Guaranty Association up to specific limits. If a carrier faces financial insolvency, this state-mandated association steps in to protect your death benefits and cash value up to specific legal limits, giving you absolute peace of mind. Where to buy indexed universal life insurance in Minnesota? Residents and business owners can buy indexed universal life (IUL) insurance in Minnesota directly through an independent, licensed broker like JHN Finance. Located in the Twin Cities, we evaluate the entire market of top-rated carriers to design custom IUL policies focused on tax-advantaged wealth accumulation and lifetime protection, rather than pushing a single company's product. By working with a local broker who actually understands your market instead of an out-of-state call center, you ensure your policy is structured specifically for your long-term financial goals. Where can I buy term life insurance in Minneapolis? Minneapolis residents can purchase term life insurance directly through independent, licensed brokers like JHN Finance. Located right here in the Twin Cities, we evaluate the top national carriers to secure customized, affordable term policies for your family or business, completely bypassing the spam and limited options of out-of-state call centers. Securing your family's financial baseline shouldn't require navigating complex algorithms alone. By working with a broker who actually lives in your market, you guarantee your policy is structured with the exact term length and death benefit required to protect your home's equity and your family's future. 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©️ .

JHN Finance engineers private corporate life insurance architecture. We design custom Buy-Sell, Key-Person, Executive Bonus, and Annuity strategies for Minnesota businesses. NOW ACCEPTING Q2 CLIENTS MINNESOTA CORPORATE LIFE INSURANCE Secure the Legacy of Your Minnesota Business No Cost Business Life Insurance & Annuity Analyzing made for CEOs Foundational Corporate Security Group Term Life Insurance (The Foundational Security Tier) Elevate your comprehensive benefits portfolio with a crucial layer of financial protection for your workforce. Seamless integration of guaranteed-issue group life policies to strengthen Minnesota talent retention without adding administrative bloat to your executive team. Request a Share Swap Brief The Buy-Sell Agreement (The Share Swap) Protect your cap table. We structure fully funded agreements that provide the exact tax-free liquidity needed to execute an immediate share payout if a partner passes—preventing "silent partner" heirs and high-interest bank debt from sinking your board. Explore Revenue Shield Policies Key Person Protection (The Revenue Shield) What happens to your balance sheet if your top rainmaker doesn't come in tomorrow? Secure a massive, immediate capital bridge to keep creditors at bay, reassure investors, and fund the recruitment of a rightful successor without missing a single beat. Request a Retention Briefing Executive Bonus Plans (Golden Handcuffs) Stop losing elite talent to national competitors. We structure tax-advantaged, cash-accumulating retention plans that reward your most vital executives with compounding wealth they simply cannot afford to walk away from. Get Executive Annuity Intel Annuity Strategies (The Guaranteed Income Moat) Remove market volatility from your succession plan. We utilize premium Fixed and Indexed Annuities to design customized Supplemental Executive Retirement Plans (SERPs), guaranteeing a predictable, lifelong income stream for founders and top-tier talent when they finally exit. Request an Executive Protection Review Licensed MN Life Insurance Broker Agency: Fully state-credentialed to design and execute high-level corporate wealth strategies for Twin Cities businesses. Carrier-Agnostic Structuring: We sit on your side of the boardroom table. We negotiate independently to source the absolute best life insurance vehicles for your balance sheet, not a captive insurance carrier. Custom Policy Architecture: We analyze and construct illustrations, indexed caps, and outcomes to give you the best advantages for wealth management and success with your corporate life insurance plan. Annuity Best Interest Certified: We operate under the highest regulatory thresholds. JHN Finance has fully completed the state-mandated Best Interest Standards of Conduct to ensure all annuity architectures strictly serve your corporate objectives. Corporate Insurance Architecture JHN Finance | MN License: 40816854 | NPN: 20403215