Thank you for choosing JHN Finance with your licensed insurance broker Jacob Hollingsworth. You're Booked. Thank you for choosing JHN Finance! We can't wait to meet you to help you make a decision that could change your family's legacy forever for the better. Expect a phone call coming from Jacob Hollingsworth @ (612)268-1231 While you wait for your scheduled appointment, see how JHN Finance is changing the landscape for life & health insurance coverage from Minnesota to Missouri here . Principal Licensed Insurance Broker: Jacob Hollingsworth NPN: 18970997

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©️ .

Capture market gains without the risk. Explore Power Protector Index Annuities by Corebridge Financial with JHN Finance Insurance. Secure your future in MN or MO. About Power Protector Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Power Protector Annuity Infograph Product Thesis The Power Series of Index Annuities, issued by Corebridge Financial, is designed as a hybrid retirement solution that addresses the specific risks of market volatility, inflation, and longevity by combining the safety of principal protection with the potential for tax-deferred, index-linked growth and customizable, guaranteed lifetime income streams. Detailed Analysis The Power Series acts as an insurance instrument rather than a direct stock market investment, structured to bridge the gap between asset accumulation and secure income distribution through three primary mechanisms: 1. Principal Protection Through the "Power of Zero" The foundational thesis of this product line is the mitigation of "sequence of returns" risk—the danger of suffering market losses just before or during retirement. Downside Protection: The annuities utilize a "Power of Zero" strategy, ensuring that if the linked index performs negatively, the interest credited is 0%, but the principal is not reduced by market losses. This protects the portfolio from emotional decision-making and mathematical recovery time required after significant market drops, such as the "Lost Decade" of 2000–2010,. Guaranteed Floor: The product guarantees that the contract value will never decline due to market fluctuations, though it may be reduced by withdrawals or rider fees,. 2. Growth Potential via Diversified Indexing Strategies While protecting principal, the annuities aim to outpace inflation and fixed-income instruments like CDs by linking interest credits to the performance of external market indices,. Tax Deferral: Unlike taxable investments, earnings in these annuities are not taxed until withdrawn, allowing for potentially faster compound growth. Crediting Methods: Growth is calculated using various methods, including Index Rate Caps (a maximum limit on returns), Participation Rates (a percentage of the index's return), and Performance-Triggered Rates (a flat rate credited if the index is positive or flat),. Sophisticated Index Options: Beyond the standard S&P 500®, the Power Series offers access to multi-asset, volatility-controlled indices designed to provide consistent returns in varying market conditions: AQR DynamiQ Allocation Index®: Uses a multi-style approach (value, momentum, carry, defensive, trend) to diversify across global equities and fixed income,. Merrill Lynch Strategic Balanced Index™: Dynamically rebalances between equities and fixed income (Treasury futures) with a cash component to manage volatility,. PIMCO Global Optima Index®: Uses a "smart beta" approach to blend global equities and U.S. fixed income, targeting upside potential with daily risk management,. 3. The "Lifetime Income Choice®" Strategy For the "Plus Income" versions of the product (e.g., Power 7 Protector Plus Income), the thesis shifts from accumulation to income security. The Guaranteed Living Benefit (GLB) rider converts the accumulated assets into a predictable "paycheck" for life,. Guaranteed Income Base Growth: Prior to activating lifetime income, the "Income Base" (a calculation figure, not cash value) is guaranteed to grow by a 9% Income Credit annually for up to 10 years,. Flexibility in Payouts: Upon activation, policyholders can choose between two strategies: Max Income: Offers a higher initial withdrawal rate (up to 11% for age 75+), ideal for early retirement spending. If the contract value depletes, the income drops to a lower "Protected Income Payment Percentage",. Level Income: Provides a steady, consistent withdrawal rate (e.g., 8.5% for age 75+) that does not change even if the contract value drops to zero,. Enhanced Income Benefit: The rider includes a feature that can double the annual income amount for up to five years if the policyholder is confined to a nursing home or qualified facility, providing a hedge against long-term care costs. Conclusion The Power Series of Index Annuities posits that a successful retirement portfolio requires a foundation that eliminates the risk of loss while retaining the ability to capture market upside. By offering no-cost annuitization or fee-based guaranteed living benefits, the product allows retirees to transfer the risk of outliving their savings to the insurance company, ensuring financial certainty regardless of market performance or lifespan. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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 Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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If considered "remorse", the request will be considered under discretion of JHN to be approved or disapproved for compensation or reimbursement. Jacob Hollingsworth Network owns the right to disapprove or approve of any and all return requests. TERMS AND CONDITIONS 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©️ .

Learn more about JHN FINANCE. Subsidiary of Jacob Hollingsworth Network Corporation established in 2022. ABOUT JHN FINANCE JHN FINANCE is a subsidiary of Jacob Hollingsworth Network Corporation established in the year 2022. The subsidiary specializes in life, health and accident insurance products and services and also securities & life, health & accident insurance study programs. It also provides a networking platform for current and incoming financial industry professionals. The JHN FINANCE Pack is a financial social media platform of JHN FINANCE designed to allow financial professionals & accredited investors a networking space. JHN FINANCE is a licensed insurance agency in the states of Minnesota and Missouri. VERIFY LICENSING JHN Finance operates with complete transparency and holds active, state-verified licenses to protect our clients. We encourage all Minnesota and Missouri residents to verify their broker's credentials before discussing their health or financial legacy. Missouri verifies licensing through the National Association of Insurance Commissioners (NAIC) . Minnesota licensing verification is done through Sircon via the Minnesota Commerce Department - Licensing . Agency Name: Jacob Hollingsworth Network Corporation (DBA JHN Finance) Minnesota Registered Assumed Name(s): JHN FINANCE, JHN FINANCE Insurance National Producer Number (NPN): 20403215 Minnesota State License Number: 40816854 Missouri State License Number: 3003313411 VERIFY LICENSING (MN) VERIFY LICENSING (MO) VERIFY PRODUCER NUMBER ABOUT THE CEO JACOB FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Your local home for Corebridge Financial solutions. JHN Finance Insurance provides expert life & annuity planning for families across MN & MO. Start today! GET STARTED JHN Finance has products from this provider BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS Select-A-Term Insurance Value+ Protector III Secure Lifetime GUL 3 Index Annuities Income Annuities Fixed Annuities Products offered by Corebridge Financial ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Corebridge Financial ©️ are property of Corebridge Financial ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Corebridge Financial ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Protect your future with Value+ Protector annuities from Corebridge Financial. Offered by JHN Finance Insurance in Minnesota and Missouri, these fixed indexed annuities provide growth potential and principal protection. About Value+ Protector III Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Value+ Protector III Infograph Product Thesis Value+ Protector III is a flexible Index Universal Life (IUL) insurance policy designed to serve a dual financial purpose: it secures a legacy for loved ones through a guaranteed death benefit while simultaneously functioning as a versatile financial asset for the policyholder during their lifetime. By leveraging index crediting strategies, the policy offers the potential for cash value growth linked to market performance without exposing the policyholder to direct market losses, thereby providing a "living benefit" that can be used for supplemental income, chronic illness expenses, or emergency needs. Detailed Analysis of the Thesis To understand the complete scope of Value+ Protector III, the topic can be broken down into three core strategic pillars: Protection, Accumulation, and Flexibility. 1. Protection: The Foundation of Security At its core, Value+ Protector III is a life insurance product intended to protect beneficiaries against the financial impact of the insured’s death. Guaranteed Coverage: The policy includes a guaranteed death benefit that extends to age 90, ensuring that coverage remains in force provided premiums are paid and no material changes or excessive withdrawals occur. Chronic Illness Safety Net: The protection extends beyond death. Through the optional Accelerated Access Solution (AAS) rider, the policy acts as a financial shield against chronic illness. If certified as chronically ill, the policyholder can accelerate a portion of the death benefit to cover care costs or lost income, receiving these payments typically free of federal income tax. Return of Premium: Recognizing that financial needs change, the policy includes a rider that allows for the return of premiums paid if the policyholder outlives their insurance needs and chooses to surrender the policy for other uses. 2. Accumulation: Growth Without Market Risk The "Value" component of the product refers to its ability to build cash value over time, distinguishing it from term insurance. Index Crediting Strategies: As an IUL, the policy allows the cash value to grow based on the performance of specific market indices. However, the money is not invested directly in the market. Instead, the policy credits interest based on these strategies, allowing the policyholder to capture potential market upside. Volatility Protection: A central thesis of this product is risk mitigation. It offers protection against market downturns because the policyholder does not own shares in a fund; therefore, while they can gain interest from rising markets, they avoid the direct losses associated with negative market performance. Excess Cash Value: If the index strategies perform better than expected over a 20-year period (or until age 85), the policyholder may be able to withdraw "excess cash value" without reducing the initial life insurance guarantee. 3. Flexibility: Accessing "Living Benefits" The product is marketed with the philosophy that life insurance should help the policyholder "keep moving forward" while they are still alive. Liquidity: The accumulated cash value is accessible through withdrawals or policy loans. This capital can be used for virtually any purpose, such as supplementing retirement income, funding a business, paying for education, or covering emergencies. Loan Options: The policy offers three types of loans—Standard (Fixed), Preferred, or Participating—giving the owner control over how they access their equity. These loans can potentially be income tax-free and do not require a repayment plan. Beneficiary Payment Options: The policy allows the owner to structure how beneficiaries receive the death benefit. Instead of a mandatory lump sum, the payout can be structured as installments (via the Select Income Rider) or a combination of both. This can help beneficiaries manage the assets and may lower policy costs, which enhances cash value growth. Conclusion Value+ Protector III is defined by its ability to mitigate two distinct types of risk: the risk of dying too soon (addressed by the death benefit) and the financial risks of living a long life (addressed by cash value accumulation and chronic illness protection). It posits that modern life insurance should not be a static asset but a dynamic financial tool that minimizes market volatility while providing liquidity for life’s unexpected turns. 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©️ .

Securing Twin Cities businesses with corporate life insurance & annuity architecture, executive retention frameworks, and revenue shield policies. The Corporate Briefing Our briefings deliver a high-level, customized analysis of your corporate life insurance and annuity opportunities. You will receive a direct email detailing our findings and immediate strategic recommendations. Name & Company Email Address Primary Strategic Focus GATHER MY BRIEFING Your Request has been submitted An error occurred. Try again. JHN Finance | MN License: 40816854 | NPN: 20403215

Skip the confusing healthcare websites. Let our expert brokers find the perfect Individual & Family health insurance for your budget in MN & MO. Zero fees! About Individual & Family Health Plans Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Individual & Family Health Plan Infograph Product Thesis What Are Individual & Family Plans? Individual and family health insurance plans are policies you purchase for yourself or your family, rather than receiving coverage through an employer. These plans cover essential health benefits, protect you from unexpected medical bankruptcies, and ensure you have access to preventative care to keep your family healthy. What Do These Plans Cover? Under the Affordable Care Act (ACA), the comprehensive plans we help you select are required to cover essential health matters, including: Preventative & Wellness Services: Annual check-ups, immunizations, and screenings. Emergency Services & Hospitalization: Protection against the high costs of unexpected accidents or illnesses. Prescription Drugs: Coverage for generic and brand-name medications. Maternity & Newborn Care: Care before and after your baby is born. Mental Health & Substance Use Disorder Services: Including behavioral health treatment and counseling. Why Choose JHN Finance for Your Health Coverage? "We don't work for the insurance companies. We work for you." Skip the Headaches: Healthcare.gov and state exchange websites can be overwhelming. We streamline the process. You complete a JHN Application, and we handle the complex enrollments and renewals from there. A Broker Who Knows Your Name: When life happens, you shouldn't have to explain your situation to a different call-center representative every time. You get a dedicated JHN Finance expert in your corner year-round. When Can You Enroll? Open Enrollment: Typically runs from November 1st through January 15th each year. This is when anyone can apply for or change their coverage. Special Enrollment Periods (SEP): If you experience a qualifying life event—such as losing employer coverage, getting married, having a baby, or moving—you may be eligible to enroll outside of the standard open enrollment window. 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©️ .