You & your loved ones deserve protection. Get covered with Life, Health & Accident Insurance options provided with care by JHN FINANCE Insurance. Term Life, Whole Life, Index Universal Life, Annuity Coverage + more. Google Reviews MN & MO AGENCY Lightning-Fast AI Quotes. Real Local Guidance. Find A Professional Plan Get instant life insurance, annuity and health insurance plan requests using state-of-the-art Gemini AI, backed by a dedicated broker in Minnesota & Missouri who actually knows your name. LIFE INSURANCE & ANNUITY PROVIDERS LIFE INSURANCE PRODUCTS SELECT-A-TERM Get affordable life insurance with 10-30 year flexibility that fits your life perfectly —down to the specific year— Corebridge Financial Select-A-Term. PACIFIC HORIZON IUL 2 Indexed Universal Life Insurance VALUE + PROTECTOR III Indexed Universal Life Insurance Secure Lifetime GUL 3 Guaranteed Universal Life Insurance AMERICAN PATHWAYS Fixed Annuities Why Get Life Insurance Now? Because you will never be younger or healthier than you are today. Premiums increase with age—lock in your lowest possible rate right now and save thousands over the life of your policy. Find My Perfect Plan HEALTH INSURANCE PROVIDERS HEALTH INSURANCE PRODUCTS INDIVIDUAL & FAMILY HEALTHCARE Navigating the Health Marketplace shouldn't feel like a second job. Skip the confusing government websites and let JHN Finance handle the paperwork for you. We help you maximize your subsidies and find the perfect plan for your family—a free service to you! MEDICARE ADVANTAGE Retire healthy with all-in-one solutions! GROUP HEALTH PLANS Get healthcare for your business! DENTAL Standalone dental plans for you and your loved ones! MEDICARE SUPPLEMENTAL Fill in the gaps of your Medicare Coverage! WHY JHN FINANCE? "We don't work for the insurance companies. We work for you." - Chief Executive Officer, Jacob Hollingsworth REVIEWS Jacob Hollingsworth was great he came out to my home on a Saturday! He made sure all my paperwork was in order and mailed it out right away." - Alicia Barnes A+ A+ A+ A+ BBB Accredited BBB Accredited BBB Accredited BBB Accredited Jacob Hollingsworth Network Corporation is rated by the Better Business Bureau as having a quality product & service for the public. 5 Star Rated 5 Star Rated 5 Star Rated 5 Star Rated Jacob Hollingsworth Network Corporation is known for providing quality service by caring 1st. LARGE NETWORK LARGE NETWORK LARGE NETWORK LARGE NETWORK We have no obligation above taking care of you 1st. So, we do not sell products based on commission rates. We find you the best plan with our large network of recognizable providers. WHY GET INSURED NOW? 1. Protecting Your Family Life comes without warning. Maintain a healthy & positive dynamic by knowing you're covered if life happens. 2. Build Generational Wealth Insurance & Annuity policies promise a financial stability that can only be obtained through guaranteed assurance. Thus, allowing proper allocation of assets in your financial portfolio. Elect a beneficiary of your insurance policy. 3. Financial Flexibility Avoid the potential of living "paycheck to paycheck" and reap the benefits of an enjoyable retirement. Learn more about how insurance works for you with JHN FINANCE News. LEARN MORE HOW EASY IS THIS? STEP 1. STEP 1. STEP 1. STEP 1. Start Simple. Complete our secure JHN Instant Application in minutes from the comfort of your home. STEP 2. STEP 2. STEP 2. STEP 2. Compare & Optimize. We shop the market for you, filtering out bad policies to find the highest coverage at the lowest rate. STEP 3. STEP 3. STEP 3. STEP 3. Decide with Confidence. Choose your plan knowing you have a 5-star broker team supporting you every step of the way. Schedule In-Person Consultations Now offering free in-person consultations in downtown Minneapolis at 331 2nd Ave S, Minneapolis, MN 55401 with a Your JHN Finance Account to schedule your appointments ahead of time! Areas We Serve CREATE AN ACCOUNT HOW WAS YOUR EXPERIENCE? LEAVE A REVIEW INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation & JHN Finance 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! JHN Finance Questions and Answers Get more out of JHN Finance with 'JHN Finance Q/A'! Submit your pressing questions you've always had about insurance coverage and we'll get you an answer! LIFE INSURANCE Q/A HEALTH INSURANCE Q/A 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©️ .

Simplify your life, health, and annuity insurance search with JHN Finance. Choose your coverage type and let our expert brokers find the perfect plan for you. What is Your Insurance Vision? Select which coverage type you are inquiring about: LIFE & ANNUITY HEALTH INSURANCE Simplify your life insurance, health insurance and annuity search by providing pivotal necessary information up front so your broker can shop for the most fitting coverage option for you. JHN FINANCE AI APPLICATIONS Complete a JHN Finance AI life insurance, annuity, or health insurance application for coverage much more conveniently with clear guidance using all-new Google Gemini AI Technology! A+ Rated Accredited Business with the Better Business Bureau Rated a 5 Star Customer Service Experience Business, Retirement, Individual & Family, Solutions First Name Last Name Email How Can JHN FINANCE Help? Phone 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! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Often times we use our emotions to determine our financial capacity to obtain insurance. Now, there's a tool that evaluates your financial leverage based on the law of averages in your area. Using Google Gemini AI technology, explore the Minnesota AI Financial Insurance Expert tool that measures your income and more to help you determine your cost capacity for life insurance, health insurance and annuities. MN AI Financial Insurance Expert Evaluate your finances and gain quality feedback using some of the latest Google Gemini AI generative technology! The tool scours the worldwide web and takes information from resources you know to help you evaluate your finances for insurance coverage. EVALUATE YOUR FINANCES Primary Data Sources Minnesota Department of Employment and Economic Development MNsure Minnesota Department of Human Services You will be taken to a third party resource when opting to select and explore these links. Those sites are not monitored by JHN Finance and are not subject to the terms and conditions of JHN Finance. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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

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©️ .

Lock in your health today, upgrade tomorrow. Pacific Elite Term allows seamless conversion to permanent life insurance with JHN Finance Insurance in MN and MO. ABOUT Pacific Elite Term Insurance Product Available in Minnesota and Missouri The Pacific Elite Term product from Pacific Life is a level-premium term life insurance policy designed to provide financial protection for a specific period of time. It is generally suitable for individuals seeking affordable, temporary coverage to meet short-term financial needs, such as covering a mortgage, funding college expenses, or providing income replacement during prime earning years. Key Features Level Premium Period The policy offers a guaranteed level premium for an initial term period, typically 10, 15, 20, or 30 years. This means the premium payment remains constant throughout the chosen term, providing predictable budgeting. Guaranteed Renewable After the initial level-premium period concludes, the policy is guaranteed to be renewable on an annual basis, generally up to a maximum age (e.g., age 95). However, the premiums will increase annually after the level-premium period ends. Convertible Pacific Elite Term policies are convertible to a permanent life insurance policy offered by Pacific Life (such as a whole life or universal life product) without requiring evidence of insurability. This conversion option is available during the initial level-premium period or up to a specified age (e.g., age 70), whichever comes first. Issue Ages and Face Amounts Issue Ages: Typically ranges from 18 to 75 (varies by term length and underwriting class). Minimum Face Amount: Generally starts at $100,000 (may vary). Maximum Face Amount: Varies significantly based on underwriting and financial justification. Underwriting Classes Pacific Life utilizes various underwriting classifications to determine premium rates, including: Preferred Best Preferred Standard Plus Standard Table Ratings (Substandard) Tobacco usage and health status are primary factors in determining the underwriting class. Available Riders While the base policy is straightforward, Pacific Elite Term policies often allow for the addition of riders to customize coverage. Common riders include: Rider Name Description Waiver of Premium Rider Waives premium payments if the insured becomes totally disabled, subject to policy definitions and waiting periods. Accelerated Death Benefit Rider Allows the policy owner to receive a portion of the death benefit early if the insured is diagnosed with a terminal illness (typically a life expectancy of 12 or 24 months, depending on state and product specifics). Children's Level Term Rider Provides a limited amount of term life coverage for the insured's eligible children. Terminal Illness Rider Often included at no cost. Offers an accelerated payout upon diagnosis of a terminal illness. Post-Level Premium Period Options Once the initial guaranteed level-premium period expires, the policy owner has three primary options: Renew the Policy: Renew the policy annually at a significantly higher, annually increasing premium rate. Convert the Policy: Convert the policy to a permanent life insurance product offered by Pacific Life (subject to conversion deadlines). Allow the Policy to Terminate: Stop paying premiums and let the coverage lapse. Suitability Pacific Elite Term is often an ideal solution for: Young families needing maximum coverage for the lowest initial cost. Individuals seeking protection for a specific financial obligation (e.g., the 30-year term of a mortgage). Business owners requiring temporary protection for a loan or a key-person need. Those who anticipate their insurance needs will decrease or disappear over time. 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©️ .

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

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

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©️ .

Protect your team and your bottom line. JHN Finance helps MN & MO businesses compare and secure affordable, top-tier Group Health plans. Get a free quote! About Group Health Plans (Small Business+) Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Group Health Plans (Small Business+) Infograph Product Thesis Group Health Plans: Protect Your Team and Your Bottom Line At JHN Finance, we know that running a business is hard enough without having to become a healthcare expert on top of it. Whether you have a team of two or a growing workforce of fifty, offering a competitive benefits package is no longer just a perk—it’s essential for attracting and retaining top talent. As your local commercial insurance brokers in Minnesota and Missouri, we help you navigate the complexities of small business healthcare. We negotiate with top carriers to find the perfect balance between high-quality care for your employees and a predictable budget for your business. Why Offer Group Health Insurance? Beyond doing right by your team, providing employer-sponsored health insurance offers serious strategic and financial advantages for your business: Tax Advantages: Employer contributions to group health premiums are typically 100% tax-deductible as a business expense. Plus, your employees pay their portion with pre-tax dollars. Recruit and Retain: In today's competitive job market, comprehensive health benefits are often the deciding factor for top-tier candidates. A Healthier, More Productive Workforce: Employees with easy access to preventative care take fewer sick days and report higher job satisfaction. Better Risk Pools: Because group plans spread the risk across all your employees, they often provide broader coverage networks and lower per-person premiums than individual marketplace plans. How JHN Finance Makes It Easy Navigating ACA requirements, minimum participation rates, and renewal hikes can be a massive headache. "We don't work for the insurance companies. We work for you." Tailored Plan Design: We analyze your workforce's needs and your budget to build the proper structure—whether that’s a traditional fully insured plan, a level-funded option, or utilizing Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs). Top-Tier Carriers: We shop our extensive network of providers to bring you the best options. Dedicated Administrative Support: We handle the complex paperwork, employee onboarding, and yearly market comparisons so you can get back to running your business. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota EXPLORE THIS PROVIDER NEXT FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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©️ .