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. "Trust is a Must." Get proper direction from a licensed insurance broker on a personal level before you purchase a plan. Don't get upsold on products you don't need. A Friend You Can Actually Rely on for Insurance ZIP Code START QUICK QUOTE (Press "Button" to toggle revolving. No submissions are made until you press "Submit".) Some of Your Options... A+ RATED... VERIFY ACCREDITATION Frustrations Our Friends Encounter... Not understanding which product makes sense for them and their families. Not being told the correct steps to take around healthcare issues they're having. "Last Minute Panic Button!" Waited until they've exhausted all DIY tricks before consulting a professional. CALL RIGHT NOW (If you are facing any of these issues right now, call us immediately.) GET STARTED NOW Let Us Worry for You! We Got You... Stop trying to resolve these issues yourself when you can consult a professional for free. Let us guide you on the right path and resolve any issues you're having because we know where to get the right answers. No more panicking! You can lose a lot of time trying to DIY. No need to. Talk with us and we'll get started right away and won't stop until you're happy. GET STARTED NOW (We don't stop until you're happy with your plan.) OUR STORYBOARD FEEDBACK... We're keeping track of all the feedback we're getting and posting it here for all our neighbors and friends. 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©️ .

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 The Corebridge Financial Value+ Protector III is a sophisticated fixed indexed life insurance plan designed to offer tax-deferred growth potential, principal protection from market downturns, and guaranteed lifetime income options. It is a long-term retirement savings vehicle that balances potential growth linked to market indices with safety features typical of an annuity. Key Features and Objectives The primary goal of the Value+ Protector III is to provide a retirement solution that mitigates sequencing risk (the risk of poor investment returns early in retirement) and longevity risk (the risk of outliving one's savings). Principal Protection A cornerstone of the Value+ Protector III is its promise of principal protection. Premiums paid into the plan are not directly invested in the stock market. Instead, they are placed in the insurance company's general account. This guarantees that market downturns will not directly decrease the plan's contract value. If the linked index performs negatively, the credited interest rate for that period will simply be zero. Tax-Deferred Growth Like most life insurance plans, the earnings within the Value+ Protector III grow on a tax-deferred basis. This means the owner does not pay taxes on the interest earned until withdrawals are made, typically during retirement. This allows for compounding growth on the gross amount, potentially leading to a higher account balance over time compared to a similarly performing taxable account. Index-Linked Interest Potential The life insurance plan's potential growth is tied to the performance of one or more external market indices (e.g., the S&P 500 Index, sector-specific indices, or proprietary indices). However, the contract does not directly invest in these indices. Instead, the interest credited is calculated based on a portion of the index's positive performance, subject to specific interest-crediting methodologies. Crediting Strategies Interest crediting is the most complex aspect of FIAs. The Value+ Protector III typically offers various strategies, allowing the policyholder to customize the balance between potential growth and protection. Strategy Component Description Cap Rate The maximum percentage of index growth that can be credited to the plan in a given period. Participation Rate The percentage of the index gain that is credited. If the participation rate is 60%, and the index gains 10%, the credited rate is 6%. Spread/Margin/Asset Fee A deduction taken from the index's positive return before interest is credited. If the index gains 10% and the spread is 3%, the credited rate is 7%. Index Choices A selection of indices the policyholder can choose to link their growth to, often including standard indices and sometimes volatility-controlled indices. Interest is generally credited at the end of a specific crediting period (usually one year). Access to Funds and Liquidity Withdrawal Provisions The Value+ Protector III is intended as a long-term retirement vehicle, and withdrawals before age 59½ may be subject to a 10% federal tax penalty in addition to ordinary income taxes. Surrender Charges Like most index life insurance, the policy includes a surrender charge schedule that applies if the owner makes withdrawals exceeding the penalty-free amount, or surrenders the entire contract, within the initial contract period (typically 7-10 years). The surrender charge is a percentage of the amount withdrawn or surrendered and generally declines over the surrender charge period. Penalty-Free Withdrawals Most policies allow for a certain percentage of the contract value (e.g., 5-10%) to be withdrawn each year without incurring surrender charges, even within the surrender period. Income Rider Options (Guaranteed Lifetime Withdrawal Benefit - GLWB) A critical component often purchased with the Value+ Protector III is an optional income rider (GLWB). This feature is designed to address longevity risk by providing a guaranteed income stream for life, regardless of how the underlying contract value performs. Income Base (Benefit Base): This is a separate value used only to calculate lifetime income payments. It is typically guaranteed to grow at a specific, often high, roll-up rate (e.g., 5-8% simple or compound interest) for a set deferral period, even if the actual contract value grows slowly or stays flat. Withdrawal Percentage: The percentage of the Income Base that can be withdrawn annually as guaranteed lifetime income. This percentage typically increases the longer the policyholder defers taking income and may be higher for joint (spousal) life coverage. Guarantees: The income payments are guaranteed to last for the life of the covered individual(s), providing predictable cash flow in retirement. Note: The income rider comes with an explicit annual fee, typically calculated as a percentage of the Income Base. Death Benefit The policy generally includes a death benefit, which is paid to the named beneficiaries upon the death of the insured(or owner). The death benefit is usually the greater of: The contract value as of the date of death. The total premiums paid, less any prior withdrawals. The death benefit avoids probate and is received income tax-free by the beneficiaries (though the gain inside the contract is generally taxable as ordinary income). Target Audience The Corebridge Financial Value+ Protector III is best suited for individuals who: Are approaching or in retirement (typically 50-75 years old). Prioritize principal protection and preservation of capital over maximum growth potential. Seek guaranteed lifetime income to cover essential expenses in retirement. Have a long-term time horizon and can comfortably commit funds for the surrender period. Have already maximized contributions to qualified retirement plans (e.g., 401(k), IRA) and are looking for another vehicle for tax-deferred growth. 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©️ .

From Term Life to Indexed Universal Life, find the right Pacific Life plan for your needs. Trusted local service from JHN Finance Insurance in MN and MO. 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 Pacific Horizon IUL 2 Pacific Horizon ECV IUL Pacific Horizon Survivorship IUL Pacific Trident IUL Pacific Elite Term Pacific Venture UL 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 Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements CARRIERS Aetna Humana Medica Aflac ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network 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©️.

Shop for Medicare Advantage, Medicare Prescription Drug Plans and Medicare Supplement Plans Today with JHN FINANCE Health Central! LET'S GET YOU COVERED SHOPPING FOR MEDICARE COVERAGE? GET STARTED IMPORTANT UPDATES: Welcoming UCare members into the Medica family. UCare Medicare member must start looking for new coverage. Learn More MEDICARE ADVANTAGE MEDICARE SUPPLEMENTS Explore Medicare Advantage, Prescription Drug Plans and Supplemental Insurance options from carriers you may know and trust! CALL US EMAIL Get Started Right Away on Your Coverage... Submit JHN Application CREATE YOUR ACCOUNT GET STARTED Manage health plans with more control when you open Your JHN Network Account. Booking consultations + more with ease! 2025 UPDATES READ TODAY 2025 Health Plan Updates to be prepared for changes to regulations, laws and more! LATEST HEALTH BLOG READ TODAY Educate yourself on how certain health engines work, how to be better prepared and more general knowledge! SCHEDULE APPOINTMENT "Our job is to equip you with the knowledge to make educated decisions about your health insurance coverage." SCHEDULE INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? I agree to receive communications by text message about my inquiry. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac 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©️ .

Your local home for Corebridge Financial solutions. JHN Finance Insurance provides expert life & annuity planning for families across MN & MO. Start today! 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 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 Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements CARRIERS Aetna Humana Medica Aflac ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network 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©️.

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 Pacific Trident Indexed Universal Life (IUL) The Pacific Trident Indexed Universal Life (IUL) policy, offered by Pacific Life, is a permanent life insurance product designed to provide both a death benefit and potential for cash value accumulation linked to the performance of a market index, while offering flexibility in premium payments and death benefit options. It is positioned as a competitive option for individuals seeking lifelong coverage, tax-advantaged growth potential, and protection against market downturns. Core Features and Benefits 1. Death Benefit Protection The primary purpose of the policy is to provide a guaranteed death benefit to the beneficiaries, typically income tax-free, upon the insured's death. This benefit offers financial security for family members, covering expenses such as mortgage payments, education costs, and lost income. 2. Cash Value Accumulation A portion of the premium payments, after deductions for policy charges and the cost of insurance, is allocated to the policy's cash value. The growth of this cash value is tied to the performance of an underlying stock market index (or indices), such as the S&P 500. Indexing Strategy: The cash value growth is calculated based on various indexing methods (e.g., Annual Point-to-Point, Monthly Average) and often features a choice of indices. Participation Rate and Cap: Growth is typically limited by a cap rate (the maximum percentage of gain credited in a given period) and/or a participation rate (the percentage of the index gain credited). 3. Principal Protection (Floor) A crucial feature of the Pacific Trident IUL is its minimum guaranteed interest rate, or "floor," which is typically 0% or higher. This protects the cash value from negative index returns, meaning that in periods when the linked index declines, the policy's cash value will not lose credited interest due to market performance. 4. Premium Flexibility As a Universal Life product, the Pacific Trident IUL allows the policyholder flexibility in determining the amount and timing of premium payments, within IRS guidelines and subject to maintaining sufficient cash value to cover policy charges. This flexibility can be beneficial for individuals with fluctuating income. 5. Tax Advantages The policy offers significant tax benefits: Tax-Deferred Growth: The cash value grows without current taxation. Income Tax-Free Death Benefit: The proceeds paid to beneficiaries are generally income tax-free. Tax-Advantaged Access: Policyholders can access the cash value through loans and withdrawals, which are generally not taxable up to the basis (premiums paid), provided the policy does not lapse or become a Modified Endowment Contract (MEC). Policy Options and Riders Pacific Trident IUL typically includes various options and riders to customize the coverage: Death Benefit Options Policyholders can usually choose between two main death benefit options: Option A (Level Death Benefit): The death benefit remains constant. As the cash value grows, the net amount at risk (the pure insurance component) decreases. Option B (Increasing Death Benefit): The death benefit equals the specified face amount plus the current cash value. This option requires higher premiums but can lead to a larger total payout. Available Riders (May vary by state and policy version) Rider Name Description Accelerated Death Benefit (ADB) Riders Allows access to a portion of the death benefit if the insured is diagnosed with a chronic, critical, or terminal illness. Waiver of Stipulated Premium Rider Waives premium payments if the insured becomes totally disabled, helping to keep the policy in force. Guaranteed Insurability Rider Allows the insured to purchase additional coverage at specified future dates without proof of insurability. Children's Term Rider Provides a small amount of term life insurance coverage on the lives of the insured's children. Target Audience The Pacific Trident IUL is generally suited for individuals who: Require permanent life insurance protection (e.g., for estate planning or business succession). Seek tax-advantaged growth opportunities. Are comfortable with the variability of index-linked returns, balanced by the principal protection floor. Value the flexibility in premium payments and death benefit structuring. 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©️ .

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 The American Pathways Fixed Annuity suite, offered by Corebridge Financial (formerly AIG Life & Retirement), provides individuals with a secure way to save for retirement and receive predictable income. These products are designed for conservative investors seeking principal protection and guaranteed interest rates, free from market volatility. Core Features and Benefits Feature Description Principal Protection Guarantees that the initial investment (premium) will not decrease due to market performance. Guaranteed Interest Rates Offers fixed interest rates for a specified period (the Guarantee Period), providing predictable growth. Tax-Deferred Growth Earnings grow tax-deferred until withdrawal, allowing the interest to compound faster. Lifetime Income Options Can be annuitized to provide a stream of guaranteed income that lasts for life. Death Benefit Provides beneficiaries with the accumulated value of the annuity, typically without the delays and expenses of probate. Liquidity Generally allows for annual penalty-free withdrawals (typically 10% of the account value). Product Variations Corebridge Financial typically offers variations of the American Pathways Fixed Annuity to meet different client needs, primarily distinguished by the length of the guarantee period and withdrawal options. While specific product names and features may change, common structures include: 1. Traditional Fixed Annuity (e.g., American Pathways Fixed Annuity) Description: A standard fixed annuity providing a guaranteed interest rate for a specific term (e.g., 3, 5, or 7 years). Key Characteristic: Predictable, conservative growth for the term selected. After the guarantee period, the rate typically adjusts annually but will not fall below a contractual minimum. Best Suited For: Investors focused on safety and stable, moderate growth who have a defined time horizon for needing the funds. 2. Fixed Index Annuity (FIA) Description: While technically distinct from fixed annuities, Corebridge often offers index-linked variations (sometimes marketed alongside the Pathways suite or as a separate series) that credit interest based on the performance of a market index (like the S&P 500), but never less than 0%. Key Characteristic: Offers growth potential tied to the market index while protecting the principal from losses. Best Suited For: Invest ors seeking slightly higher growth potential than a traditional fixed annuity without risking principal in a down market. Financial Details Guarantee Periods American Pathways Fixed Annuities are typically available with various interest rate guarantee periods, which directly correlate with the surrender charge schedule: Guarantee Period Typical Duration Surrender Charge Structure Short-Term 3 or 5 years Surrender charges generally decrease each year until the end of the term (e.g., 5%, 4%, 3%, 2%, 1% for a 5-year term). Mid-Term 7 years Longer surrender schedule, potentially offering a slightly higher initial interest rate. Interest Rate Mechanics Initial Guaranteed Rate: The interest rate applied to the premium for the duration of the guarantee period. Renewal Rate: The rate applied after the initial guarantee period expires. This rate is declared annually by Corebridge Financial but is subject to a Minimum Guaranteed Interest Rate (MGIR) specified in the contract. Surrender Charges If funds are withdrawn above the annual penalty-free amount (usually 10% of the contract value) before the guarantee period ends, the annuity owner incurs a surrender charge. This charge is a percentage of the amount withdrawn and declines over the life of the guarantee period. Annuitization and Income At the time of retirement, the annuity can be converted (annuitized) into a guaranteed income stream. Options typically include: Life Only: Payments cease upon the death of the annuitant. Life with Period Certain: Payments are guaranteed for the life of the annuitant, but also for a minimum period (e.g., 10 or 20 years), ensuring beneficiaries receive remaining payments if the annuitant dies early. Joint and Survivor: Payments continue for the life of a surviving spouse or co-annuitant. Suitability and Target Audience The American Pathways Fixed Annuity products are designed for individuals who prioritize safety, predictability, and capital preservation within their retirement savings plan. Target Audience: Pre-retirees or retirees nearing the income phase. Conservative investors looking for a guaranteed rate of return. Individuals seeking to defer taxes on retirement savings growth. Those who have maximized contributions to traditional qualified retirement plans (like 401(k)s or IRAs) and need a reliable, tax-advantaged vehicle for non-qualified savings. 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©️ .

Secure your retirement with American Pathways Index Income Annuities from Corebridge. Get protected growth & lifetime income with JHN Finance Insurance in MN & MO. ABOUT American Pathways Income Annuity Products Available in Minnesota and Missouri Corebridge Financial's American Pathways suite of annuities offers solutions for both immediate and future income needs, primarily through their Deferred and Immediate Income Annuities. These products are designed to provide a predictable, guaranteed income stream, helping individuals manage longevity risk and secure their retirement. American Pathways Deferred Income Annuity (DIA) A Deferred Income Annuity (DIA) is a contract purchased with a lump sum (or sometimes a series of payments) that begins providing guaranteed income payments at a specified future date—the "annuitization date." This is also often referred to as longevity insurance, as it's designed to protect against outliving one's savings later in retirement. Key Features Income Deferral: The primary feature is the ability to defer income payments for a period, typically 2 to 40 years. The longer the deferral period, the higher the eventual income payment, as the funds have more time to potentially grow within the annuity contract. Guaranteed Lifetime Income: Once payments begin, they are guaranteed for the life of the annuitant (or joint lives, if chosen), regardless of market performance. Payment Options: A variety of payout options are usually available, including: Life Only: Pays income for the annuitant's lifetime and stops upon death. Offers the highest periodic payment. Life with Period Certain: Pays income for the annuitant's life; if the annuitant dies before a specified period (e.g., 10 or 20 years), payments continue to a beneficiary until the end of that period. Joint and Survivor: Pays income until the death of the second annuitant (typically a spouse), often at a reduced rate after the first death. Inflation Protection (Optional): Some Corebridge DIA contracts may offer riders to increase payments over time, helping to combat the effects of inflation (e.g., a simple increase or an increase tied to the Consumer Price Index (CPI), if available). Premium Refund Option: An optional feature that guarantees that if the annuitant dies before receiving income payments equal to the premium paid, the remaining balance is paid to a beneficiary. Ideal Audience The American Pathways DIA is best suited for individuals who: Are currently saving for retirement but want to lock in a guaranteed income stream for the far future. Are concerned about outliving their savings (longevity risk). Have a secure source of income in the near term but need a guaranteed "pension-like" income later in life (e.g., after Social Security maxes out or other assets are depleted). American Pathways Immediate Income Annuity (SPIA) An Immediate Income Annuity (often called a Single Premium Immediate Annuity or SPIA) is a contract purchased with a single lump sum that begins providing guaranteed income payments immediately or within one year of purchase. Key Features Immediate Income: Income payments generally start within 30 days to one year of the purchase date, providing immediate cash flow. Predictable Cash Flow: Offers a steady, predictable stream of income, making budgeting in retirement simpler. Guaranteed Payments: Payments are based on actuarial tables, interest rates at the time of purchase, and the payout option selected, and are guaranteed by the claims-paying ability of Corebridge Financial. Payment Options: Similar to the DIA, the SPIA offers various payout structures: Life Only Life with Period Certain Joint and Survivor Installment Refund: Guarantees that if the annuitant dies, the beneficiary receives the remaining payments until the original premium amount has been fully paid out. Irrevocability: Once the contract is finalized and the income period begins, the terms and payments are generally fixed and cannot be changed or surrendered for a lump sum. Ideal Audience The American Pathways SPIA is best suited for individuals who: Are at or near retirement age and require immediate, reliable income to cover essential living expenses. Are looking to convert a portion of their accumulated savings (e.g., 401(k) rollovers, CDs, savings) into a guaranteed income stream. Prioritize predictability and safety of principal over potential market growth for a specific portion of their retirement funds. Summary Comparison Feature American Pathways Deferred Income Annuity (DIA) American Pathways Immediate Income Annuity (SPIA) Income Start Deferred (typically 2 to 40 years after purchase) Immediate (within 1 year of purchase) Primary Goal Longevity protection; securing future income Immediate cash flow; reliable retirement income Premium Type Single premium (sometimes flexible) Single premium Typical Purchaser Age Younger retirees or those still working At or near retirement (60s and older) Income Amount Generally higher periodic payment due to longer deferral Fixed periodic payment based on current rates/age 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©️ .

Explore healthcare options with JHN Finance Insurance's health insurance market! Various healthcare products available in both Minnesota and Missouri. See what fits you and inquire about professional direction today to receive assistance on making the decisions that matter the most! JHN FINANCE Healthcare Market Shop healthcare plans are get started on your quote for coverage quickly! GET QUOTE Medical Insurance Products Medical Insurance Products range from Medicare Advantage to Business Health Plans. Shop below and decide upon which products may fit your needs. Note that products are regional specific. Medica Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota) MNsure Eligible HUMANA Medicare Advantage, Dental, Vision LEARN MORE (Missouri) Delta Dental Dental, Vision, Group Dental, Group Vision (Minnesota) MNsure Eligible LEARN MORE AETNA Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota | Missouri) AFLAC Medical Supplemental (Medigap), Final Expense LEARN MORE (Missouri) Ameritas Dental, Vision, Group Dental, Group Vision LEARN MORE (Minnesota | Missouri) Coverage Being Requested Select an option Full Name Date of Birth * required Phone Number ZIP Code SUBMIT An error occurred. Try again! Successful Submission! 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©️ .

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 Corebridge Financial (formerly AIG Life & Retirement) offers a suite of fixed index annuities designed to provide principal protection, tax-deferred growth potential, and a reliable income stream in retirement. The Power Protector series includes three main products: Power 5 Protector, Power 7 Protector, and Power Protector 10. These products share a common foundation but differ primarily in their surrender charge periods and associated features. Shared Features of the Power Protector Series All annuities in the Power Protector series offer the following key benefits: Principal Protection: Client funds are not subject to market losses. Tax Deferral: Earnings grow tax-deferred until withdrawal. Indexing Options: Interest is credited based on the performance of an external market index (or indexes), without direct participation in the stock market. Common index options may include the S&P 500 and proprietary indices. Crediting Methods: Interest is typically calculated using crediting methods like Cap Rates, Participation Rates, and Spreads. Guaranteed Lifetime Withdrawal Benefit (GLWB): A rider, often optional for an additional fee, that provides a stream of income guaranteed for life, even if the account value drops to zero. Power 5 Protector The Power 5 Protector is designed for clients seeking a shorter commitment period while still accessing the benefits of a fixed index annuity. Key Details Feature Description Surrender Charge Period 5 years Minimum Initial Premium Varies by state; typically $5,000 - $10,000 Liquidity Free withdrawal amount (e.g., up to 10% of the accumulation value) typically begins after the first contract year. Bonus May offer an initial premium bonus, subject to specific contract terms and state availability. Target Client Individuals nearing retirement who prioritize liquidity and flexibility over the longest potential growth period or highest guaranteed income base. Potential Benefits Lower commitment provides earlier access to funds without surrender charges. Suitable for laddering strategies or for clients who anticipate needing access to a larger portion of their principal sooner. Power 7 Protector The Power 7 Protector is the mid-range offering, balancing a reasonable surrender period with potentially enhanced growth opportunities and income features compared to the Power 5. Key Details Feature Description Surrender Charge Period 7 years Minimum Initial Premium Varies by state; typically $5,000 - $10,000 Liquidity Free withdrawal amount (e.g., up to 10% of the accumulation value) typically begins after the first contract year. Bonus May offer a higher initial premium bonus or slightly more favorable caps/participation rates than the Power 5, depending on the current offering. Target Client Individuals in the pre-retirement phase (5-10 years out) who are looking for a moderate commitment period to grow their assets before locking in a lifetime income stream. Potential Benefits The 7-year term often provides a balance between shorter-term liquidity and longer-term growth potential. It is a common "sweet spot" for many fixed index annuity investors. Power Protector 10 The Power Protector 10 represents the longest-term commitment in this series, often corresponding to the highest potential for accumulation growth and the most robust guaranteed lifetime income base features. Key Details Feature Description Surrender Charge Period 10 years Minimum Initial Premium Varies by state; typically $5,000 - $10,000 Liquidity Free withdrawal amount (e.g., up to 10% of the accumulation value) typically begins after the first contract year. Income Base Features Often features the most aggressive Roll-Up Rate or Growth Factor on the Income Base (used for calculating lifetime income withdrawals) compared to the shorter-duration products. Target Client Individuals significantly pre-retirement (10+ years out) or those prioritizing the maximization of their future guaranteed lifetime income stream, willing to commit funds for the full 10-year term. Potential Benefits Maximum potential for compounding growth over a longer period. The longest commitment term typically allows Corebridge to offer the most competitive features, especially regarding the guaranteed lifetime income base growth. Comparison Summary The primary distinguishing factor among the three products is the duration of the surrender charge period, which correlates with the potential long-term benefits and income features offered. Feature Power 5 Protector Power 7 Protector Power Protector 10 Surrender Term 5 years 7 years 10 years Focus Flexibility/Liquidity Balance Maximize Growth/Income Income Base Growth Lower/Moderate Potential Moderate/High Potential Highest Potential Liquidity Post-Term Earliest Mid-Term Longest Wait 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©️ .

Your handy guide answering your frequently asked insurance questions. We've got blogs, insight and much more. Learn more today! JHN FINANCE FAQs よくある質問 General Setting up FAQs How long does it take to get health coverage? The timeline to get health coverage depends on several factors. Many people rush or wait until the last minute to get health coverage. In order to receive the best healthcare plan fitting for your situation, it's best to plan ahead and work with your broker prior to any essential deadlines. GET STARTED . How much are life insurance premiums? Life insurance premiums are dependent upon several indicators including health, income and occupation. Learn more about how to get the most ideal rate. LEARN MORE How do I apply for coverage? Complete your JHN Application immediately and prior to end of your coverage to avoid any lapses. We will get your information reviewed thoroughly for the best possible plan available to you. START NOW How do I apply for MNsure Coverage? It is important to know that MNsure is simply a marketplace and does not provide or solicit coverage. MNsure provides a place for insurers and brokers to offer essential coverage policies. If you have healthcare questions and need direction, it's best to consult an insurance broker who can help assist you with acquiring the right coverage and directing you to the most suitable policy. MNsure navigators are not licensed insurance brokers or agents. LEARN MORE FAQs Life Insurance Term-Life Insurance Whole Life Insurance Indexed Universal CARRIERS Aetna Pacific Life Corebridge Financial Humana Aflac ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network 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. 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©️ .