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. 常見問題 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 Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Lock in high guaranteed rates with American Pathways Fixed Annuities by Corebridge Financial. Secure your principal with JHN Finance Insurance in MN & MO today! About American Pathways Fixed Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Fixed Annuity Infograph Product Thesis The American Pathway fixed annuity series functions as a risk-averse retirement strategy designed to mitigate market volatility and longevity risk by providing guaranteed principal protection, fixed interest accumulation, and tax-deferred growth, while trading immediate liquidity for secure, long-term income streams. Detailed Synthesis To support this thesis, the American Pathway products are structured around three core pillars: financial stability independent of the stock market, tax-advantaged accumulation, and distinct product variations tailored to specific time horizons and income needs. 1. Stability and Market Independence The primary value proposition of the American Pathway series is the decoupling of retirement assets from stock market performance. Principal Protection: These annuities provide a guaranteed fixed rate of interest, ensuring that the contract value is not negatively impacted by market downturns. Guarantees: Unlike bank deposits, these are not FDIC insured; rather, all guarantees regarding interest and income payments are backed solely by the claims-paying ability of the issuing insurance company, American General Life Insurance Company (AGL). Predictable Returns: The products offer specific "interest rate guarantee periods." For example, the Fixed 5 and Fixed 7 products allow clients to lock in rates for one, three, five, or seven years, while the VisionMYG offers guarantees extending up to 10 years. 2. Tax Efficiency and Accumulation The product line emphasizes the power of tax deferral to accelerate asset growth compared to taxable accounts. Compound Growth: Taxes on interest earnings are deferred until withdrawal, allowing the money that would have been paid in taxes to remain in the account and earn interest. Tax-Advantaged Distributions: Upon annuitization (converting the contract to an income stream), a portion of each payment is considered a tax-free return of principal (for non-qualified contracts), rather than fully taxable income. 3. Product Variations and Customization The "American Pathway" brand encompasses different annuity structures designed to meet varying liquidity and income goals: American Pathway Fixed 5 & 7: These are single-premium deferred annuities suited for short-to-medium-term accumulation (1 to 7 years). They offer an optional "return-of-premium" guarantee, allowing the return of the initial investment minus net withdrawals at any time, though this feature results in a lower interest rate. American Pathway VisionMYG: Geared toward longer-term accumulation, this Multi-Year Guarantee (MYG) annuity offers rate locks for 4 to 10 years. It features a distinct withdrawal charge schedule that declines over 10 years. Deferred Income Annuity: This product focuses on longevity protection rather than accumulation. It converts a lump sum into a guaranteed future income stream, with options to defer payments for up to 30 years. It includes flexibility features like the "Income Start Date Adjustment," allowing the owner to accelerate or defer the start of payments once within a five-year window. 4. Liquidity Constraints and Costs While offering security, the thesis must acknowledge the liquidity trade-offs inherent in these contracts. Access Limitations: The products are long-term vehicles. While they allow for "penalty-free withdrawals" (typically the interest earned or 15% of the contract value annually), withdrawals exceeding these amounts are subject to withdrawal charges. Market Value Adjustment (MVA): For the Fixed 5, Fixed 7, and VisionMYG annuities, withdrawals made during the guarantee period that exceed the penalty-free amount may be subject to an MVA. This adjustment can decrease the withdrawal amount if interest rates have risen since the contract was issued. Exceptions: To mitigate liquidity risks, the contracts include waivers for terminal illness or extended care, allowing withdrawal charges to be waived under specific severe health conditions. Conclusion In summary, American Pathway fixed annuities constitute a conservative financial instrument. They are engineered for individuals prioritizing the security of principal and guaranteed income over the potential for higher, riskier market returns, accepting restricted liquidity and surrender charges in exchange for protection against market losses and outliving one's assets. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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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Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). 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. 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 Aflac Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED An Agency Helping you Get the Future You Deserve! On Google... VERIFY REVIEWS 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 Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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©️ .

Maximize early-year liquidity with Pacific Horizon ECV IUL. Ideal for business planning & premium financing in MN or MO. Get expert advice at JHN Finance Insurance. About Pacific Horizon ECV IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon ECV IUL Infograph Product Thesis The Pacific Horizon ECV IUL serves as a dual-purpose financial instrument that integrates flexible life insurance protection with distinct cash accumulation strategies; it achieves this by leveraging volatility-controlled indexing—specifically the BlackRock Endura® Index—to mitigate market downside risks while utilizing high participation rates and the optional Enhanced Performance Factor Rider (EPFR) to maximize upside potential in uncapped crediting environments. Detailed Analysis To fully support this thesis, the topic must be broken down into its four primary pillars: the underlying insurance structure, the volatility control methodology, the specific crediting accounts, and the performance enhancement mechanics. 1. The Underlying Structure: Flexible Protection The Pacific Horizon ECV IUL is defined as "Flexible Premium Indexed Adjustable Life Insurance". Its primary function is to provide a death benefit that is generally income tax-free to beneficiaries. However, unlike traditional term insurance, it is designed for cash value accumulation that can be used for supplemental retirement income or business asset protection,. Flexibility: Policyowners can adjust premium payments and face amounts, subject to certain limits and approvals,. Protection: The policy includes a guaranteed floor, ensuring that the cash value is protected from index-based losses (though it is still reduced by policy charges). 2. The Engine: The BlackRock Endura® Index A central differentiator of this product is its reliance on the BlackRock iBLD® Endura® VC5.5 ER Index (referred to as the BlackRock Endura® Index). This index is designed to provide more consistent returns than traditional stock indexes by using daily volatility controls. Composition: The index allocates assets between two specific iShares® Exchange Traded Funds (ETFs): iShares Edge MSCI USA Min Vol Factor ETF (USMV): Focuses on equities. iShares 1-3 Year Treasury Bond ETF (SHY): Focuses on short-term U.S. Treasury bonds. Methodology: The index utilizes a "Simple, Strategic, and Steady" approach. It monitors market signals daily; when markets are volatile, it shifts exposure toward bonds/cash, and when markets are favorable, it shifts exposure toward equities. The goal is to mitigate downside risk while capturing growth. 3. The Strategy: Volatility Control Indexed Accounts (VCIA) The Pacific Horizon ECV IUL utilizes "Volatility Control Indexed Accounts" (VCIA) which credit interest based on the performance of the BlackRock Endura® Index. These accounts are distinct from traditional indexed accounts because they feature no growth cap, allowing for potentially higher returns during strong market performance. The product offers two primary VCIA options: 1-Year High Par Volatility Control Indexed Account: This account credits 200% of the index's performance (with a guaranteed minimum of 25%). 1-Year Volatility Control Indexed Account: This account credits 180% of the index's performance (20% guaranteed minimum) but includes an additional fixed account benefit of 0.40%. Thesis Connection: These accounts support the thesis by demonstrating how the policy leverages the stability of the Endura Index (low volatility) to offer high participation rates (180–200%) without placing a ceiling (cap) on the earnings. 4. The Accelerator: Enhanced Performance Factor Rider (EPFR) To further amplify the "upside potential" mentioned in the thesis, the policy offers an optional Enhanced Performance Factor Rider (EPFR) at policy issue. This rider multiplies the interest credited to the policy’s indexed accounts by a "Performance Factor". Design Options: The rider allows the policyowner to toggle between three designs annually: Classic: No rider charge and a performance factor of 1.0 (standard performance). Performance: A moderate monthly charge (annualized approx. 4.98%) for a higher performance factor (current factor 1.91 in years 10–20),. Performance Plus: A higher monthly charge (annualized approx. 7.50%) for the highest performance factor (current factor 2.36 in years 10–20),. Risk vs. Reward: The EPFR introduces a risk/reward trade-off. While it increases the potential crediting rate, the rider charges are deducted regardless of market performance. If the rider charges exceed the segment indexed interest credit, the policy’s accumulated value will decrease. Conclusion The Pacific Horizon ECV IUL is a complex financial tool designed for policyowners seeking to balance safety with aggressive growth potential. By integrating the BlackRock Endura® Index, the policy minimizes exposure to extreme market volatility, while the uncapped Volatility Control Indexed Accounts allow owners to participate in 180% to 200% of that index's growth. The Enhanced Performance Factor Rider further serves as a lever for the policyowner to exchange higher fixed costs for significantly multiplied market-linked returns. Thus, the product functions as a strategic hedge, protecting the "bottom line" through guaranteed floors while attempting to outpace traditional returns through high-participation indexing. 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 Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Provide your heirs with tax-free liquidity for estate taxes. Explore Pacific Life’s Survivorship IUL with JHN Finance Insurance in MN or MO. Secure your wealth. About Pacific Horizon Survivorship IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon Survivorship IUL Infograph Product Thesis Pacific Life’s Horizon Survivorship Indexed Universal Life (IUL) is a flexible premium, last-survivor insurance product designed to insure two lives under a single policy, paying a death benefit only upon the passing of the surviving insured. This financial instrument is engineered to provide liquidity for estate planning, tax liability management, and wealth transfer while offering cash value accumulation potential linked to market indices. The policy distinguishes itself through a "volatility control" strategy—utilizing the BlackRock Endura® Index and an optional Enhanced Performance Factor Rider—to offer upside growth potential while protecting the policyholder from index-based losses via a guaranteed 0% floor. Detailed Analysis of the Topic 1. Core Structure and Purpose The Horizon Survivorship IUL is fundamentally a "second-to-die" policy. Unlike traditional life insurance that pays out on the first death, this policy remains in force until the death of the second insured. Target Audience: It is traditionally used by married or unmarried couples with substantial assets to offset federal/state estate taxes or to equalize inheritance among heirs (e.g., when business assets cannot be easily divided). Cost Efficiency: It provides cost-efficient protection for two lives, making it particularly useful for partners with significant age or health differences. Financial Utility: Beyond death benefits, the policy serves as a vehicle for potential tax-free supplemental retirement income through loans and withdrawals from the accumulated cash value. 2. Cash Value Accumulation and Indexing The policy allows the owner to allocate premiums to specific accounts that credit interest based on external market performance, without directly investing in the stock market. Indexed Accounts: Interest credits are linked to the performance of major indices, including the S&P 500®, Invesco QQQ®, and the BlackRock iBLD Endura® VC 5.5 ER Index. Volatility Control: A distinct feature of this product is the inclusion of Volatility Control Indexed Accounts. These accounts track the BlackRock Endura® Index, which dynamically adjusts allocations between U.S. equities and Treasuries to reduce losses during market downturns. Downside Protection: The policy includes a guaranteed "floor" of 0%. This means that even if the underlying index performs negatively, the credited interest rate will not be less than zero, protecting the cash value from investment loss (though policy charges will still reduce the value). 3. The Enhanced Performance Factor Rider (EPFR) To potentially increase accumulation, the policy offers an optional rider called the Enhanced Performance Factor Rider (EPFR) available at issue. Function: This rider applies a multiplier (Performance Factor) to the indexed interest credit. Design Options: Policyowners can choose between three designs: Classic: No additional rider charge and a performance factor of 1.0 (standard performance). Performance: Moderate monthly charge for a higher performance multiplier. Performance Plus: Higher monthly charge for the highest potential performance multiplier. Risk: While the EPFR increases upside potential, the associated monthly charges are deducted regardless of performance. If the rider charges exceed the interest credited, the policy’s accumulated value will decrease, potentially increasing the risk of lapse. 4. Flexibility and Policy Riders The Pacific Horizon Survivorship IUL is designed to adapt to changing life circumstances through various riders and provisions: Policy Split Option: Allows the policy to be split into two individual policies (one on each life) in the event of divorce or significant changes to federal estate tax laws. No-Lapse Guarantee: Ensures the policy remains in force for a specific duration (up to the younger insured's lifetime) regardless of cash value performance, provided the "no-lapse guarantee value" remains positive. Surrender Enhancement: An optional rider that increases the cash surrender value in the early years of the policy, providing greater financial flexibility if the policy needs to be surrendered early. Conversion: In policy year eight, the coverage may be converted to a new product without new underwriting or surrender charges. 5. Policy Mechanics and Charges Premiums: The policy utilizes flexible premiums, allowing the owner to adjust payments within certain limits (Guideline Premium Test or Cash Value Accumulation Test) to maintain the policy’s tax-qualified life insurance status. Death Benefit Options: The policy offers different death benefit options (e.g., Option A or B), which can be changed once per policy year. Charges: The policy incurs monthly deductions, including Cost of Insurance (COI), administrative charges, coverage charges, and applicable rider charges. These charges reduce the accumulated value. Loans and Withdrawals: Owners can access cash value through standard policy loans or withdrawals. While generally tax-free, these actions reduce the death benefit and cash value, and excessive borrowing can cause the policy to lapse. 6. Risks and Considerations Lapse Risk: If the accumulated value (less debt) becomes insufficient to cover monthly deductions, the policy will enter a grace period and may lapse (terminate with no value) if sufficient premiums are not paid. Modified Endowment Contract (MEC): If premiums are paid too rapidly (exceeding the "7-pay limit"), the policy may be classified as a MEC, resulting in less favorable tax treatment for withdrawals and loans. Market Caps: While there is a 0% floor, growth is often subject to "Caps" or "Participation Rates" that limit how much of the index's gain is credited to the policy. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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 Aetna Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED An Agency Helping you Get the Future You Deserve! On Google... VERIFY REVIEWS 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) MEDICARE ADVANTAGE PRESCRIPTION DRUG PLANS (PDP) Products offered by Aetna ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Aetna ©️ are property of Aetna ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Aetna ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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 Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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©️ .

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 Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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©️ .

Please review before entering JHN FINANCE to understand terms, conditions & policies of use. JHN FINANCE Disclaimer, Policies, Terms & Conditions Last Updated: 01/14/2026 1. Introduction & Acceptance of Terms By accessing or using the JHN FINANCE portal (operated by the Jacob Hollingsworth Network Corporation), whether intentionally or unintentionally, you agree to be bound by these Disclaimers, Policies, Terms & Conditions. If you do not agree to these terms, please discontinue use of our services immediately. 2. Regulatory Disclaimers Not an Investment Advisor No Investment Advice: JHN Finance is not in the business of giving investment advice and is not a registered Investment Adviser under the NASAA or the SEC. No Commissions for Advice: We do not charge fees or commissions for investment advisory services. Any material presented on the Jacob Hollingsworth Network is for informational purposes only. Medicare & Insurance Coverage Limitations: We currently represent 3 organizations offering PPO, HMO, PDP, MAPD, and MA products in Missouri & Minnesota. We do not represent all available coverage options in your area. Official Sources: For information on all options, please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program. 3. Licensing & Certifications Jacob Hollingsworth Network Corporation (DBA JHN Finance) is a duly licensed Insurance Agency compliant with state and federal regulations: Minnesota: Registered by the Department of Commerce (Resident Agency). Missouri: Registered by the Department of Insurance (Non-Resident Agency). National Registry: Registered with the National Insurance Producer Registry (NIPR). 4. Privacy Policy & Data Protection Data Usage & Confidentiality Privacy Commitment: We will not disclose private information to outside parties unless it benefits the primary information holder and we have obtained written consent. Security: JHN partners with the Wix database to ensure unauthorized sources are denied access to user data. HIPAA Compliance: We comply with HIPAA and civil action laws. Medical conditions are never disclosed to third parties without prior consent, except where required by law. Cookies: By using our website, you agree to our use of cookies to analyze site interaction. "Know Your Customer" (KYC) & Compliance AML Mandate: JHN Finance is mandated to abide by "Know Your Customer" (KYC) protocols under the Anti-Money Laundering (AML) Act. We reserve the authority to request necessary information from users to comply with these laws. Access to Information Personal Requests: You may request your own private information from JHN Finance upon verification of identity. Third-Party Requests: Public parties requesting information about a user must provide written consent signed by that user or valid documentation from a designated legal agent or authority. 5. User Code of Conduct Community Guidelines Users must adhere to the following standards. Violation of these guidelines may result in immediate dismissal from the portal: No Harassment: Verbal or visual abuse, suggestive language, or offensive behavior toward others is strictly prohibited. No Explicit Content: Pornographic material and adult-themed sexual conduct are banned. Profile Accuracy: Member profiles must be true and accurate. Falsification of licenses, identity theft, or "catfishing" is prohibited. Solicitation & Privacy of Others No Solicitation: Active transaction or solicitation of business on the JHN Finance platform is not permitted. Third-Party Privacy: Users do not have the right to disclose the private information of other members or third parties without their express permission. 6. Payment & Refund Policies Premium Collection JHN Finance maintains the authority to collect premiums relevant to services provided on behalf of its insurers. Refund Policy (Study Groups & Products) Discretion: All refunds and reimbursements are at the sole discretion of the Jacob Hollingsworth Network. Study Groups: Refunds are unlikely after completing a Study Group Program. Requests made before completing 50% of the program have a higher likelihood of approval. Policy Exemption: Purchases are not subject to the standard "30/100% Policy." 7. Intellectual Property & Media Release Media Release By joining a JHN FINANCE Study Group, you authorize the Jacob Hollingsworth Network to use any likeness provided for media or marketing purposes. We commit to not using this content to defame or slander participants. 8. Broker Services: State & Federal Marketplaces Agent Eligibility & Suitability Certified Assistance: Only "JHN Finance" certified brokers or agents who have completed all required training and certifications are eligible to assist with plan enrollment, eligibility, and direction within state or federally funded marketplaces. Suitability Standard: When a JHN Finance broker is listed as the "Assister," "Broker," or "Agent" (via writing, verbal consent, or any means deemed true "in fact"), they are responsible for ensuring the recommended health plan is suitable. This applies to qualified, non-qualified, essential needs, or minimum level plans. Limitation of Liability (The "First-Year" Rule) Scope of Responsibility: Following the initial enrollment assistance in a minimum level plan, JHN Finance and its certified agents are not responsible or liable for coverage maintenance beyond the first annual plan year. Renewals & Maintenance: We hold no obligation or liability for: Renewals Disenrollment Re-enrollment Any coverage issues arising after the end of the 1st plan annual health plan year. Applicable Plans: This limitation applies to MinnesotaCare, Medical Assistance, and other minimum level or minimum fee-based health plans. Non-Government Affiliation No Government Employment: No JHN Finance certified broker or agent may claim to represent, or claim to be an employee of, any state or federally funded program. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Received a JHN Finance Insurance Booklet in the mail? Here's where you find out more on how JHN Finance can help you obtain your lifetime goals! ANSWERING YOUR HEALTHCARE QUESTIONS... "Don't Be Shy!" Ask any healthcare questions you may have, and we'll provide you an answer. ENTER YOUR EMAIL Ask Your Healthcare Question Here: I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! GET STARTED Our Story JHN FINANCE was founded in 2022. Originally specializing in financial study programs to assist financial professionals accomplish their career goals in the financial industry. Now, lead by the CEO & Founder, Jacob L. Hollingsworth a licensed & certified professional who's worked in many fields in the financial industry from the mail room, mortgage funding & securities studies, Jacob is focused on giving to his communities. Jacob is licensed in the states of Minnesota & Missouri and certified in both states with and by the following: the U.S. Department of Health & Human Services, MNsure, America's Health Insurance Plans (AHIP), Missouri Department of Commerce and Insurance and the Minnesota Department of Commerce Insurance Division. CEO & FOUNDER JACOB HOLLINGSWORTH Founder & CEO FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED An Agency Helping you Get the Future You Deserve! On Google... VERIFY REVIEWS BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) PRESCRIPTION DRUG PLANS (MN, MO) Products offered by Healthspring & Cigna ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Healthspring & Cigna ©️ are property of Healthspring & Cigna ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Healthspring & Cigna ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program 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). 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. 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©️ .