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©️ .

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

Maximize early-year liquidity with Pacific Horizon ECV IUL. Ideal for business planning & premium financing in MN or MO. Get expert advice at JHN Finance Insurance. ABOUT Pacific Horizon ECV IUL Insurance Product Available in Minnesota and Missouri Pacific Horizon Estate Conservation Vehicle (ECV) Indexed Universal Life (IUL) The Pacific Horizon Estate Conservation Vehicle (ECV) Indexed Universal Life (IUL) policy from Pacific Life is a permanent life insurance product specifically designed for affluent individuals and families primarily focused on long-term wealth transfer, estate liquidity, and tax-efficient accumulation. It positions itself not just as a life insurance policy, but as a sophisticated financial tool for legacy planning. Core Purpose and Target Audience The primary goal of the Pacific Horizon ECV IUL is to provide a guaranteed death benefit for estate liquidity while offering the potential for significant tax-advantaged cash value growth through index-linked crediting. Target Audience High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) Individuals: Those with complex estate planning needs who require substantial death benefit coverage to offset estate taxes, cover final expenses, or fund charitable bequests. Estate Planners: Individuals seeking a policy that minimizes the probability of lapse and provides predictable, long-term performance for non-qualified retirement income or legacy funding. Business Owners and Executives: Those looking for a vehicle to fund buy-sell agreements, executive compensation, or specialized deferred compensation plans. Key Features and Mechanisms 1. Death Benefit and Estate Conservation Guaranteed Death Benefit: The policy is structured to provide a large, guaranteed death benefit that is generally income tax-free to beneficiaries, offering a crucial source of liquidity to cover estate settlement costs, taxes, or business succession needs. Focus on Longevity: The ECV structure is often priced assuming a long-term duration, making it highly competitive for maximizing the death benefit relative to premiums paid over decades. 2. Indexed Cash Value Growth The policy's cash value growth is linked to the performance of various market indices, without directly investing in the stock market (non-participating). Index Options: Pacific Life typically offers several crediting options, often including: S&P 500 Index Other proprietary or diversified indices. Participation Rate: Determines the percentage of the index's gain that is credited to the policy's cash value. Cap Rate: The maximum percentage of gain that can be credited in any given year. This limits upside potential but secures gains. Floor Rate (0%): Guarantees that the policy's cash value will not decline due to poor index performance (excluding charges), providing a crucial layer of protection against market losses. 3. Policy Structure and Flexibility Universal Life (UL) Structure: Premiums are flexible (within IRS limits), and the policy is sustained by the cash value. Interest credited and premiums paid must be sufficient to cover the monthly cost of insurance (COI) and policy expenses. Overloan Protection (OLP) Rider: A common and critical feature in IULs, this rider helps prevent the policy from lapsing due to excessive policy loans, which is vital for policies used for supplemental retirement income planning. Loan Options: The policy typically offers both standard variable-rate loans and fixed-rate (or "wash") loans against the cash value. Index loans allow the loaned amount to continue earning interest based on index performance, though often with a corresponding higher loan interest charge. Financial and Tax Advantages Feature Description Relevance to Estate Planning Tax-Free Death Benefit Payouts to beneficiaries are generally exempt from income tax. Provides immediate, clean liquidity for estate settlement costs or legacy funding. Tax-Deferred Cash Value Growth Earnings accumulate within the policy without current taxation. Maximizes the compounding effect for long-term growth. Tax-Advantaged Withdrawals/Loans Policy loans and withdrawals (up to basis) can be accessed income tax-free. Offers a source of supplemental, non-qualified retirement income. Policy Exclusion from Estate (if owned by an ILIT) If placed inside an Irrevocable Life Insurance Trust (ILIT), the death benefit may be excluded from the insured's taxable estate. The cornerstone of HNW estate tax mitigation. Considerations and Risks While the Pacific Horizon ECV IUL is a powerful tool, prospective policyholders must be aware of potential drawbacks: Policy Complexity: IULs are complex instruments. Performance is heavily dependent on crediting strategies, participation rates, and cap rates, which Pacific Life can adjust. Cost of Insurance (COI): The COI increases over time as the insured ages. If index performance is poor or premiums are underfunded, the COI can rapidly erode the cash value, leading to a potential lapse. Market Risk (Indirect): Although the principal is protected by the floor, the policyholder assumes the risk that index performance may not be sufficient to cover the rising COI, requiring higher-than-projected premium payments. MEC Classification: If the policy is over-funded (premiums exceed the IRS limits defined by the 7-Pay Test), it can become a Modified Endowment Contract (MEC), losing some of its most favorable tax treatment for withdrawals and loans. The ECV structure is designed to mitigate this risk through appropriate premium planning. 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©️ .

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). 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©️ .

Get permanent protection without the complexity. Pacific Venture UL 2 offers no-lapse guarantees up to age 90. Consult JHN Finance Insurance in MN and MO today! ABOUT Pacific Venture UL 2 Insurance Product Available in Minnesota and Missouri The Pacific Venture IUL 2 is a second-generation Indexed Universal Life (IUL) insurance policy offered by Pacific Life Insurance Company. It is designed to provide permanent life insurance coverage combined with the potential for cash value accumulation linked to the performance of underlying market indices, without direct market risk. Core Features and Structure Type of Policy The Pacific Venture IUL 2 is a flexible premium, adjustable death benefit universal life insurance policy. It falls under the category of Indexed Universal Life, meaning the cash value growth is tied to external index performance. Cash Value Accumulation The policy's cash value is credited interest based on the returns of various stock market indices, such as the S&P 500 or NASDAQ-100, subject to specific limits (caps and participation rates) and protections (floors). Indexing Strategies: The policy typically offers several index account options, allowing the policyholder to choose how their cash value is allocated. Common strategies include: Annual Point-to-Point: Interest is credited based on the index change from the beginning to the end of the policy year. Monthly Averaging/Sum: Interest is calculated based on monthly changes or averages, potentially smoothing out volatility. Cap Rate (Maximum Interest Rate): This is the highest rate of interest that can be credited to the policy's cash value in an index segment, regardless of how high the underlying index return is. Floor Rate (Minimum Interest Rate): This guarantees that the credited interest rate will not be less than a specific minimum (typically 0% or 1%), protecting the cash value from negative index performance. Participation Rate: This determines the percentage of the index gain that will be credited to the policy, applicable to certain strategies. Death Benefit Options Policyholders can choose from flexible death benefit options, allowing them to adjust the focus between maximizing initial coverage and optimizing cash value growth: Option Description Option A (Level Death Benefit) The death benefit remains level. As the cash value increases, the net amount at risk (the amount paid by the insurer) decreases. This is generally preferred for maximizing cash value accumulation. Option B (Increasing Death Benefit) The death benefit equals the specified face amount plus the current cash value. As the cash value grows, the total death benefit increases. This is generally preferred for maximizing the death benefit over time. Premium Flexibility Premiums are flexible, allowing the policyholder to pay premiums above or below the planned target premium, within IRS guidelines (TAMRA/MEC rules) and subject to maintaining sufficient cash value to cover policy expenses. Key Financial Guarantees and Policy Mechanics Guaranteed Minimum Death Benefit As a form of permanent life insurance, the policy generally includes a no-lapse guarantee, which ensures the policy remains in force and the death benefit is paid as long as a minimum required premium is paid. Policy Charges and Deductions The cash value is subject to several ongoing charges that reduce the accumulation, including: Cost of Insurance (COI): A monthly deduction based on the insured's age, rating, gender, and the policy's net amount at risk. Policy Fee: A fixed monthly or annual administrative charge. Premium Expense Charge: A percentage deduction taken from each premium payment. Surrender Charges: Fees applied if the policy is fully surrendered (canceled) during the initial surrender charge period (typically 10–15 years). Loans and Withdrawals The policy allows for accessing the accumulated cash value through: Policy Loans: Funds can be borrowed against the cash value. Loan interest is charged, and the borrowed amount is generally collateralized by the policy's value. The policy may offer standard loans or potentially participating or fixed loan options, where the borrowed funds remain in the index account and are subject to the declared loan interest rate. Withdrawals: Direct withdrawals of cash value are possible but reduce the death benefit and can potentially be taxable if they exceed the basis (premiums paid). Target Audience and Applications The Pacific Venture IUL 2 is often suitable for individuals seeking: Permanent Protection: A need for lifetime life insurance coverage. Tax-Advantaged Growth: Cash value growth is tax-deferred, and the death benefit is generally income tax-free. Potential for Higher Returns: A desire for cash value growth linked to market indices, aiming for higher potential returns than traditional whole life or fixed universal life policies, but with downside protection. Supplemental Retirement Income: Strategic use of tax-free policy loans during retirement, provided the policy is properly funded. Underwriting and Issue Details Detail Description Issue Ages Varies by underwriting class (typically 0–85) Face Amounts Generally requires a minimum face amount, which can vary by issue age and underwriting class (e.g., $50,000 or $100,000+) Underwriting Classes Standard classifications (e.g., Preferred Best, Preferred, Standard Plus, Standard, Table Ratings) based on health, lifestyle, and medical history. 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©️ .

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. 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©️ .

Time to decide what coverage options you require! Get started on your JHN Instant Insurance Application now with our A+ Better Business Bureau & 5 star rated services. JHN Application Anchor What is Your Insurance Vision? Select which coverage type you are inquiring about: LIFE & ANNUITY HEALTH INSURANCE A+ Rated Accredited Business with the Better Business Bureau Rated a 5 Star Customer Service Experience Business, Retirement, Individual & Family, Solutions First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana 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©️ .

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. IS YOUR PLAN PROFESSIONAL? LET'S GET YOU COVERED ANNUITIES + HEALTH + LIFE COVERAGE GET STARTED CALL NOW WHY JHN FINANCE? "Nothing is more important than you having a quality experience with us, and that you've learned something important." - Chief Executive Officer, Jacob Hollingsworth A+ A+ A+ A+ BBB Accredited BBB Accredited BBB Accredited BBB Accredited Jacob Hollingsworth Network Corporation is rated by the Better Business Bureau as having a quality product & service for the public. 5 Star Rated 5 Star Rated 5 Star Rated 5 Star Rated Jacob Hollingsworth Network Corporation is known for providing quality service by caring 1st. LARGE NETWORK LARGE NETWORK LARGE NETWORK LARGE NETWORK We have no obligation above taking care of you 1st. So, we do not sell products based on commission rates. We find you the best plan with our large network of recognizable providers. REVIEWS Jacob Hollingsworth was great he came out to my home on a Saturday! He made sure all my paperwork was in order and mailed it out right away." - Alicia Barnes LIFE INSURANCE & ANNUITY PROVIDERS HEALTH INSURANCE PROVIDERS WHY GET INSURED NOW? 1. Protecting Your Family Life comes without warning. Maintain a healthy & positive dynamic by knowing you're covered if life happens. 2. Build Generational Wealth Insurance & Annuity policies promise a financial stability that can only be obtained through guaranteed assurance. Thus, allowing proper allocation of assets in your financial portfolio. Elect a beneficiary of your insurance policy. 2. Financial Flexibility Avoid the potential of living "paycheck to paycheck" and reap the benefits of an enjoyable retirement. Learn more about how insurance works for you with JHN FINANCE News. LEARN MORE HOW EASY IS THIS? STEP 1. STEP 1. STEP 1. STEP 1. Get your signature quote with a JHN Instant Application and get started right away on your journey. STEP 2. STEP 2. STEP 2. STEP 2. We review your application for best results and consult with you to be sure all needs are being met. STEP 3. STEP 3. STEP 3. STEP 3. You obtain your dream financial plan for your life & health insurance coverage. Schedule In-Person Consultations Now offering free in-person consultations in downtown Minneapolis at 331 2nd Ave S, Minneapolis, MN 55401 with a Your JHN Finance Account to schedule your appointments ahead of time! Areas We Serve CREATE AN ACCOUNT HOW WAS YOUR EXPERIENCE? LEAVE A REVIEW INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana 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©️ .

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Available products with Humana Insurance through JHN FINANCE. Product descriptions to make an informed decision about your insurance coverage! GET STARTED An Agency Helping you Get the Future You Deserve! On Google... VERIFY REVIEWS BEFORE YOU PURCHASE INSURANCE... DO Purchase without consulting a licensed professional. Skip over professional guidance by going directly to the insurer for a product Purchase, request, or maintain a plan based solely on the popularity of the product Maintain an insurance plan without professional oversight and management Follow advise provided by anyone who does not currently hold a life insurance license Consult your insurance broker Discuss all options available for you Provide as much information as possible to your insurance broker Review all family needs short-term & long-term Configure an insurance plan with your professional short-term & long-term DON'T PRODUCTS MEDICARE ADVANTAGE (MO) MEDICARE SUPPLEMENTAL(MO) MEDICARE SUPPLEMENTAL (MN) Products offered by Corebridge Financial ©️ . and are not exclusive to JHN FINANCE ©️ . Ownership of products and logo of Corebridge Financial ©️ are property of Corebridge Financial ©️ and use of products and materials offered on JHN FINANCE ©️ licensing is under exclusive agreements of JHN FINANCE ©️ and Corebridge Financial ©️ . A+ RATED... VERIFY ACCREDITATION FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana 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 By use, intentionally, or unintentionally of 'JHN FINANCE', You or any person(s) agree in total to the 'Disclaimer, Policies, Terms & Conditions' of the 'Jacob Hollingsworth Network Corporation' 'JHN' 'JHN FINANCE' Portal. 'JHN FINANCE' Portal is currently not in the business of giving investment advice and is not a registered Investment Adviser under the NASAA or SEC. Commissions are not paid for general & publicly accessible knowledge through corporations & managements presented on 'JHN FINANCE'. 'Jacob Hollingsworth Network Corporation' hear-by attests to the material presented on 'Jacob Hollingsworth Network'. Any party, person(s) attests to the above that 'Jacob Hollingsworth Network' is therefore not an Investment Adviser, or an Investment Adviser Representative under State or Federal Rule / Law. Any Person(s) or Party then attests that no commissions or fees are charged or exchanged through the servicing of investment advice / advisory. ' Jacob Hollingsworth Network Corporation ' ' JHN FINANCE ' is licensed under the 'Minnesota Department of Commerce' and the 'Missouri Department of Insurance' to conduct business as an Insurance Agency in the states of Minnesota & Missouri. Any person(s) that uses or accesses the 'Jacob Hollingsworth Network Corporation' 'JHN FINANCE' portal is aware that 'Jacob Hollingsworth Network Corporation' is an Insurance Agency and is registered in the state of Minnesota by the Department of Commerce and the Missouri Department of Insurance to solicit and produce insurance. 'Jacob Hollingsworth Network Corporation' is additionally registered as an insurance agency within the National Insurance Producer Registry (NIPR). 'Jacob Hollingsworth Network' will not use or disclose any private information outside of 'Jacob Hollingsworth Network Corporation' that does not benefit the primary information holder without the written consent of the sole holder of information in question. 'JHN' partners with the Wix database to ensure unauthorized sources are denied and do not have access to the person(s), user's private data & information not publicly disclosed at the discretion of said person(s) of ' Jacob Hollingsworth Network Corporation'. Through usage of 'Jacob Hollingsworth Network Corporation' or use of services provided by 'Jacob Hollingsworth Network Corporation', Person(s) Private Data may be used to identify said person(s) at any time in accordance with state & federal laws & regulations. By usage of 'Jacob Hollingsworth Network Corporation' and its services, person(s) hereby grants 'Jacob Hollingsworth Network' the authority to investigate any misusage of private data, complaints, or other suspicions of illegal or deemed inappropriate actions or activities within the scope of 'Jacob Hollingsworth Network'. 'Jacob Hollingsworth Network' maintains the right to escalate any findings of the before mentioned misusage of private data, complaints, or other suspicions of illegal or deemed inappropriate actions to lawful authorities or partnering insurers at any time. 'Jacob Hollingsworth Network Corporation', 'JHN', 'JHN FINANCE' agrees to comply with HIPAA and civil action laws and will not disclose medical conditions to additional parties outside of 'Jacob Hollingsworth Network Corporation', 'JHN', 'JHN FINANCE' that are not to the benefit of the person(s) who's private or personal information who's held within the 'JHN' Portal to the degree of 'Your JHN Network' and beyond without prior consent. At any time, a person(s) may be permitted to request private or personal information from 'Jacob Hollingsworth Network Corporation', 'JHN', 'JHN FINANCE' if the identity of said person(s) coincides with the identification of the person or private information being requested. If an additional public party is to request personal or private information from 'JHN', prior consent must be obtained from the identified owner of the private or personal information in question by means of documentation via mail with signatures of the person(s) information that is being requested, or by validity of a designated agent or authority of the law, federal or state. 'Jacob Hollingsworth Network Corporation', 'JHN', 'JHN FINANCE' maintains the right and is mandated to "Know Our Customers". Which means that 'JHN' has an obligation to abide by 'KYC', "Know Your Customer", mandates of the anti-money laundering (AML) Act. Which further means that all necessary information will be requested from said person(s) in compliance and accordance with the 'AMLA' 'KYC' laws and regulations. 'Jacob Hollingsworth Network Corporation', 'JHN', 'JHN FINANCE' maintains the authority to collect premiums in relevance to the services being provided on behalf of its insurers for person(s) who have submitted said premiums, or by authorized person(s) identified by the primary identified person(s) in writing as stated above. By use or engagement of 'JHN FINANCE', one does hold the discretion of personal information and data disclosed to others while a member of 'JHN FINANCE' / 'JHN FINANCE Pack'. One does not hold permissions or discretion to disclose or make public private information of a third party without permission of sole property / private holder of the information in question. Joining 'JHN FINANCE' Study Groups hereby authorizes 'Jacob Hollingsworth Network' to use any likeness provided by members of any 'JHN FINANCE' Study Group for media or marketing purposes. 'Jacob Hollingsworth Network' is not then authorized to defame or slander any participants of 'JHN FINANCE' Study Groups. 'Jacob Hollingsworth Network' will not use or disclose any private information outside of 'Jacob Hollingsworth Network Corporation' that does not benefit the information holder without the written consent of the sole holder of information in question. Using 'JHN FINANCE' is subject to community guidelines under the discretion of 'Jacob Hollingsworth Network Corporation'. No pornographic material displayed, or adult themed sexual conduct. No suggestive language may be used in offence to other person(s). No forms of harassment in the form of verbal or visual abuse is allowed, and in use, is subject to dismissal from the 'JHN FINANCE' portal. All cases will be reviewed individually in regard to community guideline violations. Member profiles must be true and accurate. Falsification of licenses or certifications including identity theft or catfishing is not allowed and also may lead to dismissal from the 'JHN FINANCE' Portal. All suspicions will be reviewed individually in accordance with community guidelines. Acceptance into the 'JHN FINANCE' Pack is at the discretion of 'Jacob Hollingsworth Network'. The Portal generally accepts individuals studying in the professions of "a" or "more" financial industries as a career. Soliciting or actively transacting is not permitted on JHN FINANCE and is grounds for immediate dismissal. 'JHN FINANCE' Purchase of all and any Products such as the joining of a 'JHN FINANCE' Study Group is not subject to the 'Jacob Hollingsworth Network' 30/100% Policy. All refunds and reimbursements are at the discretion of 'Jacob Hollingsworth Network'. Likelihood of reimbursement after completing a 'JHN FINANCE' Study Group Program is unlikely. Single Purchases or requesting reimbursement before completing at least 50% of the 'JHN FINANCE' Study Group Program have a greater chance for reimbursement or refund. Any duplication, replication, or otherwise distribution of 'JHN FINANCE' without expressed written consent of 'JHN FINANCE' is subject to legal action in the form of, but not limited to lawsuits and other civil or judicial penalties. 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©️ .