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©️ .

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©️ .

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©️ .

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©️ .

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 Aún no hay ninguna entrada publicada en este idioma Una vez que se publiquen entradas, las verás aquí. Preguntas frecuentes 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. Can I buy a private life insurance policy in Minnesota if my employer already provides one? Yes, absolutely. In fact, it is highly recommended. You are legally allowed to carry a private Term, Whole, or IUL policy alongside your employer-sponsored plan. Because your private policy is entirely independent of your job, you won't lose your coverage if you are laid off, switch careers, or retire. 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. 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 local home for Corebridge Financial solutions. JHN Finance Insurance provides expert life & annuity planning for families across MN & MO. Start today! 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 Select-A-Term Insurance Value+ Protector III Secure Lifetime GUL 3 Index Annuities Income Annuities Fixed Annuities Products offered by Corebridge Financial ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Corebridge Financial ©️ are property of Corebridge Financial ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Corebridge Financial ©️ . 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©️ .

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©️ .

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©️ .

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 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

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©️ .

Received a JHN Finance Insurance Booklet? Experience the Minnesota AI Life Insurance and Health Insurance Ecosystem. An all-new way to experience and enjoy obtaining insurance coverage using artificial intelligence. The Minnesota Life Insurance and Health Insurance AI Ecosystem Shop for Life Insurance or Health Insurance using AI Technology SHOPPING FOR INSURANCE Compare and use your 'Insurance I.D.' to determine which insurance providers may be most compatible for you. OPEN APP IN NEW TAB USE THE HEALTHCARE ROULETTE REQUEST A BROKER Answer a few questions to get in contact with a licensed broker free of charge. Evaluate your finances thoroughly up against Minnesota averages to craft a cost basis for your insurance & annuity capacities. OPEN APP IN NEW TAB MINNESOTA AI FINANCIAL EXPERT APPLY FOR LIFE INSURANCE Secure your Family's Legacy with Life Insurance Protection. Certain Health Coverage. Protect Your Family's Well-Being. APPLY FOR HEALTH INSURANCE 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©️ .

Capture market gains without the risk. Explore Power Protector Index Annuities by Corebridge Financial with JHN Finance Insurance. Secure your future in MN or MO. About Power Protector Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Power Protector Annuity Infograph Product Thesis The Power Series of Index Annuities, issued by Corebridge Financial, is designed as a hybrid retirement solution that addresses the specific risks of market volatility, inflation, and longevity by combining the safety of principal protection with the potential for tax-deferred, index-linked growth and customizable, guaranteed lifetime income streams. Detailed Analysis The Power Series acts as an insurance instrument rather than a direct stock market investment, structured to bridge the gap between asset accumulation and secure income distribution through three primary mechanisms: 1. Principal Protection Through the "Power of Zero" The foundational thesis of this product line is the mitigation of "sequence of returns" risk—the danger of suffering market losses just before or during retirement. Downside Protection: The annuities utilize a "Power of Zero" strategy, ensuring that if the linked index performs negatively, the interest credited is 0%, but the principal is not reduced by market losses. This protects the portfolio from emotional decision-making and mathematical recovery time required after significant market drops, such as the "Lost Decade" of 2000–2010,. Guaranteed Floor: The product guarantees that the contract value will never decline due to market fluctuations, though it may be reduced by withdrawals or rider fees,. 2. Growth Potential via Diversified Indexing Strategies While protecting principal, the annuities aim to outpace inflation and fixed-income instruments like CDs by linking interest credits to the performance of external market indices,. Tax Deferral: Unlike taxable investments, earnings in these annuities are not taxed until withdrawn, allowing for potentially faster compound growth. Crediting Methods: Growth is calculated using various methods, including Index Rate Caps (a maximum limit on returns), Participation Rates (a percentage of the index's return), and Performance-Triggered Rates (a flat rate credited if the index is positive or flat),. Sophisticated Index Options: Beyond the standard S&P 500®, the Power Series offers access to multi-asset, volatility-controlled indices designed to provide consistent returns in varying market conditions: AQR DynamiQ Allocation Index®: Uses a multi-style approach (value, momentum, carry, defensive, trend) to diversify across global equities and fixed income,. Merrill Lynch Strategic Balanced Index™: Dynamically rebalances between equities and fixed income (Treasury futures) with a cash component to manage volatility,. PIMCO Global Optima Index®: Uses a "smart beta" approach to blend global equities and U.S. fixed income, targeting upside potential with daily risk management,. 3. The "Lifetime Income Choice®" Strategy For the "Plus Income" versions of the product (e.g., Power 7 Protector Plus Income), the thesis shifts from accumulation to income security. The Guaranteed Living Benefit (GLB) rider converts the accumulated assets into a predictable "paycheck" for life,. Guaranteed Income Base Growth: Prior to activating lifetime income, the "Income Base" (a calculation figure, not cash value) is guaranteed to grow by a 9% Income Credit annually for up to 10 years,. Flexibility in Payouts: Upon activation, policyholders can choose between two strategies: Max Income: Offers a higher initial withdrawal rate (up to 11% for age 75+), ideal for early retirement spending. If the contract value depletes, the income drops to a lower "Protected Income Payment Percentage",. Level Income: Provides a steady, consistent withdrawal rate (e.g., 8.5% for age 75+) that does not change even if the contract value drops to zero,. Enhanced Income Benefit: The rider includes a feature that can double the annual income amount for up to five years if the policyholder is confined to a nursing home or qualified facility, providing a hedge against long-term care costs. Conclusion The Power Series of Index Annuities posits that a successful retirement portfolio requires a foundation that eliminates the risk of loss while retaining the ability to capture market upside. By offering no-cost annuitization or fee-based guaranteed living benefits, the product allows retirees to transfer the risk of outliving their savings to the insurance company, ensuring financial certainty regardless of market performance or lifespan. 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©️ .