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. Find the Perfect Life or Health Insurance Plan Without the Confusion. Minnesota Life & Health Insurance Agency Get honest, one-on-one advice from a licensed broker before you sign. We cut through the confusion to ensure you have the exact coverage you need—without the expensive extras you don't. ZIP Code START MY QUICK QUOTE The trusted CEO of JHN Finance helping families reach goals & visions in Hennepin County. Some of Your Options... A+ RATED... 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. (If you are facing any of these issues right now, call us immediately.) START MY QUICK QUOTE 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. (We don't stop until you're happy with your plan.) START MY QUICK QUOTE Neighborly Success Stories... We're keeping track of all the feedback we're getting and posting it here for all our neighbors and friends. "Trust is a Must." START MY QUICK QUOTE 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©️ .

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©️.

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©️ .

Boost your retirement potential with Pacific Horizon IUL. Get tax-free income & market-linked growth with JHN Finance Insurance. Serving Minnesota & Missouri. ABOUT Pacific Horizon IUL 2 Insurance Product Available in Minnesota and Missouri The Pacific Horizon IUL 2 (Indexed Universal Life) is a permanent life insurance product offered by Pacific Life, designed to provide lifetime death benefit protection, flexible premium payments, and the potential for cash value growth linked to the performance of a stock market index, while offering a measure of protection against market downturns. Key Features and Benefits 1. Indexed Cash Value Growth Potential The policy's cash value growth is tied to the performance of various market indices, without directly investing in the stock market. Indexing Strategies: The policy typically offers several indexing options, such as the S&P 500 or other diverse indices. These strategies determine how interest is credited to the cash value based on index performance. Cap Rate: The maximum rate of interest the policy can earn during an indexing period, regardless of how high the index performs. Floor Rate (or Minimum Interest Guarantee): A guaranteed minimum interest rate (often 0% or higher) applied to the indexed account. This feature protects the cash value from negative returns if the chosen index declines. 2. Death Benefit Protection The primary function of the IUL 2 is to provide a tax-free death benefit to beneficiaries upon the insured's passing. Flexible Options: Policyholders can typically choose from multiple death benefit options: Option A (Level Death Benefit): The death benefit remains level. As the cash value grows, the net amount at risk (the amount paid by the insurer) decreases. Option B (Increasing Death Benefit): The death benefit is the initial specified amount plus the accumulated cash value. This option may result in higher premiums but provides a potentially larger benefit. 3. Premium Flexibility One of the defining characteristics of Universal Life policies is the flexibility in premium payments. Adjustable Payments: After the initial required payment, policyholders can adjust the timing and amount of subsequent premiums, provided the cash value is sufficient to cover the policy's cost of insurance (COI) and administrative charges. Lapse Protection: The policy may offer an optional feature, such as a No-Lapse Guarantee Rider or similar provision, which can keep the policy in force even if the cash value drops to zero, provided a specified minimum premium is paid. 4. Access to Cash Value (Living Benefits) The accumulated cash value can be accessed during the insured's lifetime, typically through loans or withdrawals. Policy Loans: Cash value can be borrowed against, usually at a competitive interest rate. Loan repayments are flexible, but unpaid loans reduce the death benefit. Withdrawals: Direct withdrawals of cash value are possible, but they permanently reduce the death benefit and may be subject to taxation if the withdrawal exceeds the basis (premiums paid). 5. Riders and Customization Pacific Horizon IUL 2 typically offers a range of optional riders to customize the policy for specific needs: Chronic Illness Rider (Accelerated Benefit Rider): Allows the insured to access a portion of the death benefit early if they are certified as chronically ill. Waiver of Stipulated Premium Rider: Waives premium payments if the insured becomes totally disabled. Term Insurance Rider: Allows for the purchase of additional term life coverage on the insured or a spouse/child within the same policy. Guaranteed Insurability Rider: Provides the option to purchase additional coverage at specified future dates without proof of insurability. Considerations and Risks Fees and Charges: IUL policies are subject to various charges, including the Cost of Insurance (COI), administrative fees, and surrender charges if the policy is terminated early. These charges can erode cash value, especially in early years or during periods of poor index performance. Complexity: IULs are more complex than traditional whole life or term life policies, requiring careful monitoring and understanding of how index crediting works. Non-Guaranteed Components: The cash value growth rate, cap rates, and the COI (which may increase over time) are non-guaranteed and can affect the long-term performance and sustainability of the policy. Over-Lending/Over-Withdrawing: Aggressively accessing cash value through loans or withdrawals can put the policy at risk of lapsing if the remaining cash value is insufficient to cover ongoing costs. Suitability The Pacific Horizon IUL 2 is often suitable for individuals seeking: Permanent life insurance protection. The potential for greater cash value accumulation than a traditional whole life policy, balanced with the security of a floor rate. Flexibility in premium payments. A vehicle for tax-advantaged accumulation and distribution (provided the policy remains compliant with IRS regulations). BACK TO PRODUCTS GET A QUOTE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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

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 BACK TO PRODUCTS GET A QUOTE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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Guaranteed Universal Life (GUL) from Corebridge Financial: Lifelong security with a guaranteed death benefit. Secure your family's future today. ABOUT Secure Lifetime GUL 3 Insurance Product Available in Minnesota and Missouri The Secure Lifetime GUL 3 (SLG 3) is a current-assumption guaranteed universal life insurance product offered by Corebridge Financial (formerly AIG Life & Retirement, now a standalone company). This policy is designed primarily for clients seeking a permanent life insurance solution that offers a guaranteed death benefit, without the complexity and premium volatility associated with policies that primarily focus on cash value accumulation or market performance. Core Features and Objective The primary objective of the Secure Lifetime GUL 3 is to provide a guaranteed death benefit that remains in force up to a specified age, typically age 100, 105, 110, or even 121 (maturity), provided the required cumulative premiums are paid. 1. Guaranteed Death Benefit (GDB) The cornerstone of the SLG 3 is its non-forfeitable death benefit guarantee. Mechanism: The guarantee is maintained by ensuring the No-Lapse Minimum Premium is paid. This is the minimum required premium necessary to keep the policy in force until the chosen guaranteed duration. Duration: Clients select the age to which the death benefit is guaranteed. Common guarantee periods align with typical life expectancies or longer for estate planning needs. Once the guarantee is set, it cannot be changed. Security: Unlike traditional universal life (UL) where the duration of the policy depends on the current interest rate credited and the cost of insurance (COI) charges, the SLG 3 guarantee is based on the initial pricing and contractual promise, making it immune to market fluctuations. 2. Flexible Premiums (Current Assumption Component) While the no-lapse guarantee requires a set minimum cumulative premium, the SLG 3 is still a universal life product, meaning it offers premium flexibility above the guaranteed minimum. Current Assumption Segment: The policy has a cash value component that is credited with a Current Interest Rate. This rate is declared by Corebridge Financial and can change, but it is subject to a guaranteed minimum interest rate (typically 2% or 3%). Flexibility: Premiums paid in excess of the minimum required amount go toward building cash value. A robust cash value can be used to skip future premium payments, provided the cash value is sufficient to cover the monthly policy charges and keep the No-Lapse Guarantee in effect. 3. Cost of Insurance (COI) Charges Like all universal life policies, the SLG 3 has a monthly deduction for the Cost of Insurance (COI), administrative expenses, and rider charges. Guaranteed Maximum COI: The policy defines a maximum COI rate schedule that Corebridge Financial can never exceed. Current COI: The COI charge applied is typically lower than the guaranteed maximum but is subject to change at the discretion of the insurer, though usually constrained by market conditions and internal experience. Target Audience and Use Cases The Secure Lifetime GUL 3 is suitable for individuals who: Target Audience Primary Goal Families Permanent income replacement; ensuring future financial security for heirs. Business Owners Funding buy-sell agreements; key-person protection; collateral for business loans. Estate Planners Providing liquidity to cover estate taxes and settlement costs; legacy planning and wealth transfer. Individuals Maximize the death benefit for the lowest possible premium, emphasizing guarantee over cash accumulation. Key Riders and Customization Options Corebridge Financial provides several riders to enhance the SLG 3's utility. 1. Accelerated Access Solution (AAS) with Chronic Illness This is a critical feature, often included as an acceleration rider, which allows the policy owner to access a portion of the death benefit early if the insured is diagnosed with a qualifying chronic or terminal illness. Chronic Illness: Allows access to funds if the insured is unable to perform two of six Activities of Daily Living (ADLs) or requires substantial supervision due to severe cognitive impairment. The benefit is paid out monthly or in a lump sum. Terminal Illness: Allows a payout upon diagnosis of a terminal illness (typically defined as having 12 or 24 months or less to live). 2. Waiver of Stipulated Premium Rider If the insured becomes totally disabled (as defined in the policy), this rider waives the premium required to maintain the policy's guaranteed status. This protects the policy from lapsing during a period of financial hardship due to disability. 3. Other Optional Riders Children's Term Rider: Provides a small amount of term coverage for all eligible children. Accidental Death Benefit Rider: Pays an additional death benefit if the insured's death is a result of an accident. Comparison to Other Permanent Life Insurance Feature Secure Lifetime GUL 3 (GUL) Whole Life (WL) Variable Universal Life (VUL) Primary Goal Guaranteed Death Benefit Guaranteed Death Benefit & Cash Value Growth Potential High Cash Value Growth Premium Structure Flexible, must meet minimum to maintain guarantee Fixed and mandatory Flexible Cash Value Growth Conservative, based on declared interest rate (low) Guaranteed interest plus potential dividends Market performance (sub-accounts) Risk Low (insurer risk) Very Low (insurer risk) High (market risk) Cost Typically the lowest premium for a permanent guarantee Moderate to High Varies, potentially high Financial Considerations and Caveats Surrender Charges: Like most UL policies, SLG 3 has surrender charges for the initial period (often 10–15 years). If the policy is surrendered during this time, the policy owner receives the Cash Surrender Value (Cash Value minus Surrender Charges), which may be minimal, especially in early years. Lapse Risk: The policy will lapse if the cash value and/or the cumulative premium payments are insufficient to cover the monthly charges and the No-Lapse Minimum Premium requirement is violated. Policy owners must diligently monitor the required premium schedule to ensure the guarantee remains intact. Low Cash Value: The SLG 3 is optimized for the death benefit guarantee, not cash accumulation. The cash value growth will likely be minimal compared to Whole Life or VUL policies, making it a less appealing option for those prioritizing tax-advantaged savings. BACK TO PRODUCTS GET A QUOTE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Provide your heirs with tax-free liquidity for estate taxes. Explore Pacific Life’s Survivorship IUL with JHN Finance Insurance in MN or MO. Secure your wealth. ABOUT Pacific Horizon Survivorship IUL Insurance Product Available in Minnesota and Missouri Pacific Horizon Survivorship Indexed Universal Life (IUL) The Pacific Horizon Survivorship Indexed Universal Life (IUL) from Pacific Life is a permanent life insurance product designed primarily for estate planning and wealth transfer. As a survivorship (or second-to-die) policy, it insures two lives, typically spouses, and pays out the death benefit only upon the death of the second insured person. This structure offers several key advantages for couples planning their financial legacy. Key Features and Components Survivorship Structure (Second-to-Die) The defining characteristic is the joint-life coverage. Payout Trigger: The death benefit is paid only after the second insured dies. Estate Planning Focus: It is commonly used to provide liquidity for estate taxes, fund a bypass trust, or leave a substantial inheritance to heirs. Indexed Universal Life Mechanics As an IUL product, the policy's cash value growth is linked to the performance of a market index, such as the S&P 500, without directly investing in the market. Cash Value Accumulation: A portion of the premium payments goes toward the policy's cash value, which accumulates tax-deferred. Index Segments: The cash value growth is based on various index strategies chosen by the policy owner. Caps: The maximum percentage of gain the policy can credit in a given period, regardless of the index's performance. Floors: The minimum guaranteed interest rate (often 0% or 1%) the policy will credit, protecting the cash value from market losses. Participation Rates: The percentage of the index gain credited to the cash value in uncapped strategies. Guaranteed Minimum Interest Rate: While the indexed component has a floor, the policy itself usually carries a long-term minimum guaranteed rate for the cash value. Death Benefit Tax-Free Payout: The death benefit is generally paid to the beneficiaries income-tax-free under current tax law. Guaranteed Protection: The death benefit amount is specified in the policy contract and is guaranteed, provided the policy remains in force and all premiums are paid. Flexible Options: Policyowners can often choose between two death benefit options: Option A (Level): Pays the face amount of the policy. Option B (Increasing): Pays the face amount plus the accumulated cash value. Premium Flexibility Non-Guaranteed Premiums: Unlike Whole Life insurance, IUL premiums are flexible after the initial payment. Policyowners can pay premiums above or below the target premium, adjusting the payment based on the policy's current cash value and necessary funding to keep the policy in force. Lapse Protection: The policy typically includes a No-Lapse Guarantee Rider or similar feature, which ensures the policy remains in force for a specified period (e.g., 10 or 20 years), even if the cash value drops, provided a required minimum premium is paid. Access to Cash Value Policyowners can access the cash value for any purpose through tax-advantaged loans and withdrawals. Policy Loans: Loans against the cash value are generally tax-free. Interest is charged on the loan, and any outstanding loan balance reduces the eventual death benefit. Withdrawals: Withdrawals may be subject to tax if they exceed the cumulative premiums paid (cost basis). Potential Riders (Vary by State and Policy) Riders enhance the policy's functionality or provide additional benefits. Rider Description Waiver of Stipulated Premium Rider Waives the required premium payment if both insureds become totally disabled. Waiver of Monthly Deductions Rider Waives the monthly policy charges (cost of insurance, administrative fees) if both insureds become totally disabled. Chronic Illness Rider Allows early access to a portion of the death benefit if one of the insureds is certified with a qualifying chronic illness. Terminal Illness Rider Allows early access to a portion of the death benefit upon diagnosis of a terminal illness for one of the insureds. Guaranteed Insurability Rider Allows for the purchase of additional insurance at specific future dates without further evidence of insurability (less common in Survivorship policies). Suitability The Pacific Horizon Survivorship IUL is typically suited for: High Net Worth Individuals/Families: Those with substantial assets who anticipate a federal or state estate tax liability. Business Owners: Used in business succession planning, such as funding a buy-sell agreement upon the death of the second owner. Charitable Giving: Naming a charitable organization as the final beneficiary for a large future gift. Wealth Transfer: Couples whose primary goal is to maximize the inheritance passed on to the next generation. BACK TO PRODUCTS GET A QUOTE 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©️ .

A very brief list of the areas we are closest to as your neighbor! Please note that this list of service areas does not constitute definity; we've served clients in other counties such as Anoka and Dakota. If you need assistance, please reach out no matter where you are in Minnesota or Missouri! AREAS WE SERVE We are a Hennepin County business! With that being said, we're not afraid to travel or provide coverage to those outside of this list to provide coverage. This list is simply designed to provide relativity to let you know where to find us, and to show you how close we are to you as your neighbor. Golden Valley, MN. Minneapolis, MN. New Hope, MN. Plymouth, MN. Maple Grove, MN. Brooklyn Park, MN. Osseo, MN. Brooklyn Center, MN. St. Louis Park, MN. Minnetonka, MN. Crystal, MN. Wayzata, MN. Champlin, MN. 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. BACK TO PRODUCTS GET A QUOTE 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©️ .