Jacob Hollingsworth, Life Insurance Broker
Jacob Hollingsworth
JHN Finance
Life Insurance Broker Licensed in MN and MO
Contact Details
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Location
Minneapolis, MN
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About Me
Jacob L. Hollingsworth is a licensed insurance agent, financial literacy advocate, and the visionary Founder and CEO of Jacob Hollingsworth Network (JHN) Corporation. Originally from St. Louis, Missouri, and now based in Minneapolis, Minnesota, Jacob has built a career centered on the philosophy that "the vision is to become a visionary." With nearly a decade of experience across mortgages, securities, and insurance, he officially established JHN Finance in 2022 to provide a modern, client-first approach to financial protection and wealth building.
Jacob’s journey is rooted in a background of diverse arts—from dance to writing—which he has integrated into a unique "champion's mindset" for business. His approach to finance is deeply personal, driven by a mission to help individuals reach the visions they have for their lives. Under his leadership, JHN Finance has earned an A+ accreditation from the Better Business Bureau, reflecting his commitment to "caring first" and working for the client rather than the insurance carrier.
Directions to My Office
Q&A with Jacob Hollingsworth
Can I cancel a life insurance policy if I change my mind?
Answer: In Minnesota, you are protected by the 'Free-Look Period.'
Once your policy is officially delivered to you, you have a mandatory 10-day window to review the contract in its entirety. This is your chance to verify that the coverage, premiums, and benefits match exactly what you wanted in your plan. If you decide that the policy isn't the perfect fit for your financial goals and objectives, you can return the policy to the insurance company within those 10 days for a full refund of any premiums paid, no questions asked.
Think of it as a 'satisfaction guarantee'—it ensures you have full confidence in your decision before we finalize the process.
What is the most common mistake people make when buying life insurance?
Answer: The most common mistake most people make when buying a life insurance plan is treating life insurance as a means to a necessity rather than a structural financial tool and asset; misunderstanding how allocating those necessities to fit life objectives is highly important.
People think life insurance is a "scam" in some degrees, when in reality, it simply isn't being understood or used to its proper capabilities. When you don't understand life insurance completely, you want to simply find the "lowest cost plan" that fits your current wallet versus a long-term plan that's focused on core family objectives and needs.
Life insurance plans have to be 'structured' not 'picked' on 'Quick Quote' mechanisms.
Can I get life insurance if I smoke or vape?
Answer: Yes, but you would fall into a non-preferable class, which may mean higher insurance rates.
Life insurance rates are based on risk assessment at its core. Since smoking may lead to significant health risks such as heart disease, cardiovascular disease, and cancer amongst other health issues, this is seen as a higher risk of insurability.
On average, long-term smokers are estimated to live 10 to 12 years less than individuals who have never smoked.