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. User Code of Conduct Community Guidelines Users must adhere to the following standards. Violation of these guidelines may result in immediate dismissal from the portal: No Harassment: Verbal or visual abuse, suggestive language, or offensive behavior toward others is strictly prohibited. No Explicit Content: Pornographic material and adult-themed sexual conduct are banned. Profile Accuracy: Member profiles must be true and accurate. Falsification of licenses, identity theft, or "catfishing" is prohibited. Solicitation & Privacy of Others No Solicitation: Active transaction or solicitation of business on the JHN Finance platform is not permitted. Third-Party Privacy: Users do not have the right to disclose the private information of other members or third parties without their express permission. 6. Payment & Refund Policies Premium Collection JHN Finance maintains the authority to collect premiums relevant to services provided on behalf of its insurers. 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 Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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

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

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

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

The IUL for people who love guarantees. Get death benefit protection & competitive cash growth with Pacific Trident IUL at JHN Finance Insurance (MN & MO). About Pacific Trident IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Trident IUL Infograph Product Thesis The Pacific Trident IUL is a flexible premium indexed universal life insurance policy designed for affluent individuals and business owners that seeks to balance death benefit protection with high early-year cash value liquidity and market-linked growth potential. Its core value proposition lies in its ability to offer the upside potential of stock market indices protected by a 0% floor, combined with specific riders—most notably the Limited Return of Premium Guarantee Rider—that mitigate financial risk in the early years of the policy, making it particularly suitable for premium financing and corporate-sponsored plans. 1. Core Structure and Investment Mechanics The policy functions as a universal life chassis that allows for flexibility in premium payments and death benefits while providing potential for cash value accumulation. Indexed Crediting: The policy does not invest directly in the stock market; rather, it credits interest based on the performance of indices such as the S&P 500®, MSCI EAFE, and EURO STOXX 50®. Account Options: Policyowners can allocate funds between a Fixed Account (guaranteed minimum 1% crediting rate) and eight different indexed accounts. These include 1-Year, 2-Year, and 5-Year terms, as well as "Flex" and "Plus" accounts that utilize different caps, participation rates, and segment adjustment factors to tailor interest potential. Downside Protection: A fundamental feature is the guaranteed floor of 0% on all indexed accounts, ensuring that the cash value is never reduced due to negative index performance, though it remains subject to policy charges. 2. Strategic Guarantees for Liquidity and Security A defining characteristic of the Pacific Trident IUL is its focus on guaranteed cash surrender values, which addresses the liquidity risks often associated with early policy years. Limited Return of Premium Guarantee Rider (LROPG): This optional rider is specifically designed for designs like premium financing or corporate-owned life insurance. It guarantees that the cash surrender value will be at least 85% of premiums paid (less debt) if the policy is surrendered within the first 10 years, provided minimum premium requirements are met. No-Lapse Guarantees: The policy includes a Short-Term No-Lapse Guarantee (4 to 20 years) at no additional cost. For extended protection, an optional No-Lapse Guarantee Rider is available to ensure the death benefit remains in force for up to the insured's lifetime, regardless of cash value performance. 3. Flexibility for Personal and Business Planning The Pacific Trident IUL is engineered to adapt to changing financial needs, serving as both a protection instrument and a financial asset. Access to Cash Value: Policyholders can access accumulated value through tax-free withdrawals and loans. The policy offers Standard Loans (with a guaranteed interest spread) and Alternate Loans (linked to indexed returns), as well as an Overloan Protection Rider to prevent lapse due to excessive borrowing. Health-Related Benefits: The policy offers optional riders for Chronic Illness (Premier Living Benefits Rider 2) and Long-Term Care (Premier LTC Rider), allowing the acceleration of death benefits to cover qualifying care expenses. Business Applications: The policy is explicitly marketed for executive benefit plans, such as endorsement split-dollar arrangements, where a business pays premiums and retains access to cash value as a corporate asset while the executive's beneficiary receives the death benefit. 4. Target Market and Risks The product is tailored for "affluent individuals and businesses" seeking high guaranteed cash values and the certainty of guarantees alongside indexed potential. Suitability: It is appropriate for those considering supplemental retirement income, corporate-sponsored plans, or premium financing strategies. Cost Considerations: The policy incurs various monthly charges, including administrative fees, cost of insurance, and charges for optional riders. While the 0% floor protects against market loss, cash value can still decrease due to these policy deductions. Lapse Risk: If premiums are insufficient or if the Net No-Lapse Guarantee Value hits zero, the policy may lapse, potentially requiring significant additional premiums to reinstate. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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 Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon Survivorship IUL Infograph Product Thesis Pacific Life’s Horizon Survivorship Indexed Universal Life (IUL) is a flexible premium, last-survivor insurance product designed to insure two lives under a single policy, paying a death benefit only upon the passing of the surviving insured. This financial instrument is engineered to provide liquidity for estate planning, tax liability management, and wealth transfer while offering cash value accumulation potential linked to market indices. The policy distinguishes itself through a "volatility control" strategy—utilizing the BlackRock Endura® Index and an optional Enhanced Performance Factor Rider—to offer upside growth potential while protecting the policyholder from index-based losses via a guaranteed 0% floor. Detailed Analysis of the Topic 1. Core Structure and Purpose The Horizon Survivorship IUL is fundamentally a "second-to-die" policy. Unlike traditional life insurance that pays out on the first death, this policy remains in force until the death of the second insured. Target Audience: It is traditionally used by married or unmarried couples with substantial assets to offset federal/state estate taxes or to equalize inheritance among heirs (e.g., when business assets cannot be easily divided). Cost Efficiency: It provides cost-efficient protection for two lives, making it particularly useful for partners with significant age or health differences. Financial Utility: Beyond death benefits, the policy serves as a vehicle for potential tax-free supplemental retirement income through loans and withdrawals from the accumulated cash value. 2. Cash Value Accumulation and Indexing The policy allows the owner to allocate premiums to specific accounts that credit interest based on external market performance, without directly investing in the stock market. Indexed Accounts: Interest credits are linked to the performance of major indices, including the S&P 500®, Invesco QQQ®, and the BlackRock iBLD Endura® VC 5.5 ER Index. Volatility Control: A distinct feature of this product is the inclusion of Volatility Control Indexed Accounts. These accounts track the BlackRock Endura® Index, which dynamically adjusts allocations between U.S. equities and Treasuries to reduce losses during market downturns. Downside Protection: The policy includes a guaranteed "floor" of 0%. This means that even if the underlying index performs negatively, the credited interest rate will not be less than zero, protecting the cash value from investment loss (though policy charges will still reduce the value). 3. The Enhanced Performance Factor Rider (EPFR) To potentially increase accumulation, the policy offers an optional rider called the Enhanced Performance Factor Rider (EPFR) available at issue. Function: This rider applies a multiplier (Performance Factor) to the indexed interest credit. Design Options: Policyowners can choose between three designs: Classic: No additional rider charge and a performance factor of 1.0 (standard performance). Performance: Moderate monthly charge for a higher performance multiplier. Performance Plus: Higher monthly charge for the highest potential performance multiplier. Risk: While the EPFR increases upside potential, the associated monthly charges are deducted regardless of performance. If the rider charges exceed the interest credited, the policy’s accumulated value will decrease, potentially increasing the risk of lapse. 4. Flexibility and Policy Riders The Pacific Horizon Survivorship IUL is designed to adapt to changing life circumstances through various riders and provisions: Policy Split Option: Allows the policy to be split into two individual policies (one on each life) in the event of divorce or significant changes to federal estate tax laws. No-Lapse Guarantee: Ensures the policy remains in force for a specific duration (up to the younger insured's lifetime) regardless of cash value performance, provided the "no-lapse guarantee value" remains positive. Surrender Enhancement: An optional rider that increases the cash surrender value in the early years of the policy, providing greater financial flexibility if the policy needs to be surrendered early. Conversion: In policy year eight, the coverage may be converted to a new product without new underwriting or surrender charges. 5. Policy Mechanics and Charges Premiums: The policy utilizes flexible premiums, allowing the owner to adjust payments within certain limits (Guideline Premium Test or Cash Value Accumulation Test) to maintain the policy’s tax-qualified life insurance status. Death Benefit Options: The policy offers different death benefit options (e.g., Option A or B), which can be changed once per policy year. Charges: The policy incurs monthly deductions, including Cost of Insurance (COI), administrative charges, coverage charges, and applicable rider charges. These charges reduce the accumulated value. Loans and Withdrawals: Owners can access cash value through standard policy loans or withdrawals. While generally tax-free, these actions reduce the death benefit and cash value, and excessive borrowing can cause the policy to lapse. 6. Risks and Considerations Lapse Risk: If the accumulated value (less debt) becomes insufficient to cover monthly deductions, the policy will enter a grace period and may lapse (terminate with no value) if sufficient premiums are not paid. Modified Endowment Contract (MEC): If premiums are paid too rapidly (exceeding the "7-pay limit"), the policy may be classified as a MEC, resulting in less favorable tax treatment for withdrawals and loans. Market Caps: While there is a 0% floor, growth is often subject to "Caps" or "Participation Rates" that limit how much of the index's gain is credited to the policy. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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

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 A QUOTE Medical Insurance Products & Providers 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) Healthspring | Cigna Medicare Advantage, PDP Plans 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! Learn About Different Healthcare Plans MEDICARE ADVANTAGE INDIVIDUAL & FAMILY Group Health Plans (Business Health) FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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

You & your loved ones deserve protection. Get covered with Life, Health & Accident Insurance options provided with care by JHN FINANCE Insurance. Term Life, Whole Life, Index Universal Life, Annuity Coverage + more. Google Reviews MN & MO AGENCY Lightning-Fast AI Quotes. Real Local Guidance. Find A Professional Plan Get instant life insurance, annuity and health insurance plan requests using state-of-the-art Gemini AI, backed by a dedicated broker in Minnesota & Missouri who actually knows your name. LIFE INSURANCE & ANNUITY PROVIDERS LIFE INSURANCE PRODUCTS SELECT-A-TERM Get affordable life insurance with 10-30 year flexibility that fits your life perfectly —down to the specific year— Corebridge Financial Select-A-Term. PACIFIC HORIZON IUL 2 Indexed Universal Life Insurance VALUE + PROTECTOR III Indexed Universal Life Insurance Secure Lifetime GUL 3 Guaranteed Universal Life Insurance AMERICAN PATHWAYS Fixed Annuities Why Get Life Insurance Now? Because you will never be younger or healthier than you are today. Premiums increase with age—lock in your lowest possible rate right now and save thousands over the life of your policy. Find My Perfect Plan HEALTH INSURANCE PROVIDERS HEALTH INSURANCE PRODUCTS INDIVIDUAL & FAMILY HEALTHCARE Navigating the Health Marketplace shouldn't feel like a second job. Skip the confusing government websites and let JHN Finance handle the paperwork for you. We help you maximize your subsidies and find the perfect plan for your family—a free service to you! MEDICARE ADVANTAGE Retire healthy with all-in-one solutions! GROUP HEALTH PLANS Get healthcare for your business! DENTAL Standalone dental plans for you and your loved ones! MEDICARE SUPPLEMENTAL Fill in the gaps of your Medicare Coverage! WHY JHN FINANCE? "We don't work for the insurance companies. We work for you." - Chief Executive Officer, Jacob Hollingsworth REVIEWS Jacob Hollingsworth was great he came out to my home on a Saturday! He made sure all my paperwork was in order and mailed it out right away." - Alicia Barnes A+ A+ A+ A+ BBB Accredited BBB Accredited BBB Accredited BBB Accredited Jacob Hollingsworth Network Corporation is rated by the Better Business Bureau as having a quality product & service for the public. 5 Star Rated 5 Star Rated 5 Star Rated 5 Star Rated Jacob Hollingsworth Network Corporation is known for providing quality service by caring 1st. LARGE NETWORK LARGE NETWORK LARGE NETWORK LARGE NETWORK We have no obligation above taking care of you 1st. So, we do not sell products based on commission rates. We find you the best plan with our large network of recognizable providers. WHY GET INSURED NOW? 1. Protecting Your Family Life comes without warning. Maintain a healthy & positive dynamic by knowing you're covered if life happens. 2. Build Generational Wealth Insurance & Annuity policies promise a financial stability that can only be obtained through guaranteed assurance. Thus, allowing proper allocation of assets in your financial portfolio. Elect a beneficiary of your insurance policy. 3. Financial Flexibility Avoid the potential of living "paycheck to paycheck" and reap the benefits of an enjoyable retirement. Learn more about how insurance works for you with JHN FINANCE News. LEARN MORE HOW EASY IS THIS? STEP 1. STEP 1. STEP 1. STEP 1. Start Simple. Complete our secure JHN Instant Application in minutes from the comfort of your home. STEP 2. STEP 2. STEP 2. STEP 2. Compare & Optimize. We shop the market for you, filtering out bad policies to find the highest coverage at the lowest rate. STEP 3. STEP 3. STEP 3. STEP 3. Decide with Confidence. Choose your plan knowing you have a 5-star broker team supporting you every step of the way. Schedule In-Person Consultations Now offering free in-person consultations in downtown Minneapolis at 331 2nd Ave S, Minneapolis, MN 55401 with a Your JHN Finance Account to schedule your appointments ahead of time! Areas We Serve CREATE AN ACCOUNT HOW WAS YOUR EXPERIENCE? LEAVE A REVIEW INQUIRIES Want to know more about your insurance coverage options? Inquire about anything here. First Name Last Name Email How Can JHN FINANCE Help? Phone I agree to receive communications from Jacob Hollingsworth Network Corporation & JHN Finance by text message about my inquiry, or for purpose of marketing, customer care or important notices. You may opt-out by replying STOP or reply HELP for more information. Message frequency varies. Message and data rates may apply. You may review our Privacy Policy to learn how your data is used. Privacy Policy & Terms of use. Send Thanks for submitting! JHN Finance Questions and Answers Get more out of JHN Finance with 'JHN Finance Q/A'! Submit your pressing questions you've always had about insurance coverage and we'll get you an answer! LIFE INSURANCE Q/A HEALTH INSURANCE Q/A FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

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 - Minnesota (Providing a Non-Government Sponsored Insurance Resource) Explore the complete understanding of the Minnesota healthcare market and start planning for your coverage today! START PLANNING HEALTH INSURANCE PROVIDERS Minnesota’s First AI-Powered Health Provider Matchmaker Shop Bypass the traditional marketplace confusion. Input your exact healthcare priorities below, and our proprietary engine will instantly calculate the most viable, cost-effective carriers for your family’s specific medical needs before you speak with a licensed broker! AI QUICK PLAN Request a life insurance, health insurance, or annuity quote using AI technology! We only need a few details to get you in contact with a licensed insurance broker to get you started on your coverage journey for free! Coverage Being Requested Select an option Full Name Date of Birth * required Phone Number ZIP Code SUBMIT An error occurred. Try again! Successful Submission! Your Perfect Health Plan Built in Minimal Time Why stress over health insurance? With JHN Finance, you get the instant speed of our AI Plan Tool backed by the expert care of a dedicated Minnesota broker. We shop the top carriers to maximize your benefits—at zero cost to you . Learn About Different Healthcare Plans MEDICARE ADVANTAGE INDIVIDUAL & FAMILY Group Health Plans (Business Health) About the Minnesota Healthcare Market The Minnesota healthcare market comprises of a localized health & medical system centralized with the resources from private companies with direct influence from the Minnesota Department of Human Services (Health Division). About MNsure Despite popular belief, MNsure does not provide direct coverage for Minnesotans, nor do they determine which coverage is appropriate for the families & individuals of Minnesota. This role is reserved for insurance brokers, agents and producers alike. MNsure is designed to bring together healthcare professionals like brokers and insurers together to help citizens of Minnesota obtain and manage healthcare. MNsure also certifies individuals called 'Navigators'. Navigators help Minnesotans enroll in DHS programs like MinnesotaCare and Medical Assistance. But they do not determine suitability for insurance coverage. Learn more about these specified roles below. About BROKERS The process should always start with a licensed insurance broker. Finding a broker is like finding gold. Brokers are trained to understand suitability factors based on your income, lifestyle and more. Brokers should act in the best interest of their clients at all times. Instead of trying to tackle the insurance market alone, the broker should be your hub of direction and determination. As stated above, the roll of determining the proper coverage should always be determined by a licensed insurance broker, agent or producer. Navigators or county offices (Hennepin, Dakota, Ramsey) should never determine suitability or direct you to enroll in any Qualified Health Plans (QHP) without the direction of an insurance broker, agent or producer. This job requires the proper licensing and certifications. About INSURERS Insurers are private insurance companies that provide the coverage plans you select yearly. The insurer provides a "playbook", if you will. Their coverage plans include costs from deductibles, coinsurance & copays. Insurers also appoint insurance agents which are slightly different from insurance brokers. Agents work exclusively with a specified insurer's products to determine which of their available products are most suitable for you and help you enroll in those specified products. Insurers also rely on providers like pharmacists and doctors (hospitals, private practitioners, etc.) to determine fair costs and expenses. Despite popular belief, this is who provides coverage even when you elect financial assistance through state programming such as Medical Assistance or MinnesotaCare. About State Programs State Programs like MinnesotaCare and Medical Assistance are managed by the Department of Human Services through our counties (Hennepin, Dakota, Ramsey). These plans can offer as low as $0 cost premium plans that supply minimum insurance coverage at the most affordable rate for those under the Minnesota poverty limit thresholds. Eligibility is primarily determined by income. Although, other factors such as eligibility for Medicaid with low income can determine eligibility programs like Medical Assistance. As quoted above, even these $0 cost plans are issued and administered by the private insurance companies. Navigators are allowed to help you enroll in these types of plans. よくある質問 Minnesota Health Insurance Can I keep my current doctor if I switch health insurance carriers in Minnesota? Yes, but it depends entirely on the new carrier's specific network. Before switching plans, it is critical to verify that your preferred clinics and specialists are listed as "in-network." Using our Health Provider Matchmaker or consulting a JHN broker is the fastest way to confirm your doctors are covered before you enroll. Do I have to use MNsure to buy private health insurance in Minnesota? No. You can purchase private health insurance directly from a carrier or through a licensed broker like JHN Finance. However, MNsure is the only platform where you can qualify to have your federal premium tax credits applied in advance each month. It is also important to note that you still qualify for your premium tax credits at the end of each tax year from your health plan, but the credits cannot be applied monthly if you go private. Will my new health insurance plan cover pre-existing conditions? Yes. Under the Affordable Care Act (ACA), all comprehensive health insurance plans sold in Minnesota must cover pre-existing conditions. You cannot be denied coverage or charged higher premiums simply because of a medical issue you had before your coverage started. Are dental and vision coverage automatically included in my standard health insurance plan? No. While pediatric dental and vision care are required essential health benefits for children, adult dental and vision are typically not included in standard medical plans. You will usually need to purchase these as separate, standalone policies. Can I change my health insurance plan outside of the standard Open Enrollment Period (OEP)? Yes, but only if you qualify for a Special Enrollment Period (SEP). You can trigger a 60-day SEP if you experience a qualifying life event, such as losing your employer-sponsored coverage, getting married, having a baby, or moving out of your current plan's service area. Where can I find individual health insurance in Minnesota? Minnesota residents can find and purchase individual health insurance through MNsure, the state's official health exchange, but the most strategic route is to work alongside a certified, independent broker like JHN Finance. Based in the Twin Cities, we help individuals and families navigate both the MNsure marketplace and off-exchange private plans to secure the exact localized coverage they need while maximizing potential tax credits. Attempting to navigate the individual market alone can quickly become overwhelming, especially when trying to decipher complex network restrictions and subsidy eligibility. Partnering with a local expert ensures you aren't just picking a plan blindly, but strategically selecting a policy that protects your health and your wallet. FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Medica Pacific Life Cigna Delta Dental Corebridge Financial ABOUT US CONTACT (612)268-1231 insurance@jhnfinance.net insurance@jhnflife.net insurance@jhnfhealth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob Hollingsworth “We do not offer every plan available in your area. Currently, we represent 4 organizations which offer 5 plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options." Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). National Producer number: 20403215 Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. Minnesota License Number: 40816854. Missouri License Number: 3003313411. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .