Final Expense
A smaller whole life policy designed to cover funeral costs, medical bills, and final debts so your family isn't left with the bill.
- Coverage that doesn't expire
- Fixed premiums
- Health questions, no exam
Simplified Issue Life Insurance
Life insurance without the medical exam.
No needles, no lab work. Answer a few health questions and I'll compare options from multiple trusted carriers to find coverage that fits your budget and protects the people you love.
- No medical exam, health questions only
- Faster decisions than traditional underwriting
- Independent: many carriers, one advisor
- Licensed in 20+ states
Simple process
How it works
Getting covered doesn't have to be complicated. Here's the whole process in three steps.
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Tell us about you
Fill out the quick form or give me a call. A few basics about you and what you want to protect is all it takes.
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We compare quotes for you
I shop your options across 40+ A-rated carriers and explain the best fits in plain English, side by side.
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You choose and get covered
Pick the plan that feels right. Most apply by phone, often with no medical exam, and I'm with you through approval and beyond.
Why simplified issue?
Traditional life insurance can mean exams, blood work, and weeks of waiting. Simplified issue policies skip the exam and decide based on your answers to health questions and standard database checks.
No exam, no needlesApply from home by phone or online. No nurse visit or lab work.
Fast decisionsMany applications are decided much faster than fully underwritten policies.
Options for real healthCommon conditions don't always mean "no." Comparing carriers helps find a fit.
Coverage options, explained simply
Every family is different. Here are the main types of no-exam coverage I help people with.
Mortgage protectionKeep your family in the home you worked for.
Final expense & retirementPlan ahead with confidence for the years to come.
Simplified Issue Whole Life
Permanent protection with premiums that stay level and cash value that builds over time, approved from health questions rather than an exam.
- Lifetime coverage
- Builds cash value
- Level premiums
Guaranteed Issue Whole Life
For people whose health makes other options difficult. No health questions to qualify; benefits are typically limited in the first years of the policy.
- Acceptance not based on health
- Graded benefit period applies
- Lifetime coverage
Simplified / No-Exam Term
Affordable protection for a set number of years, while kids are growing, a mortgage is being paid, or income needs replacing.
- Lower cost per dollar of coverage
- Choose your term length
- No medical exam
Mortgage Protection
Life coverage sized to your home loan, so your family can stay in the home if something happens to you. Often written as no-exam term or whole life.
- Protects your family's home
- Flexible coverage amounts
- Simple application
Indexed Universal Life (IUL)
Permanent coverage with cash value growth potential tied to a market index, with downside protection. A good fit for some long-term planning goals.
- Flexible premiums
- Cash value potential
- Ask whether simplified underwriting is available for you
Coverage for Veterans
You served our country, and getting coverage should be easy. I help veterans understand the differences between SGLI, VGLI and VMLI, and find life insurance options that fit their health, budget and family. Learn about VA coverage.
- Options built with veterans in mind
- Simple application, often no exam
- Help comparing your choices
Retirement Planning
Plan for the retirement you want. I'll help you see how your coverage and savings work together, including options like cash value life insurance, so you can head into retirement with more confidence.
- Personalized planning conversation
- Income and legacy goals
- Fits with your life insurance plan
Veterans & military families
For veterans: SGLI, VGLI and VMLI explained
These are the U.S. Department of Veterans Affairs life insurance programs. I'll help you understand how they differ, what you may already have, and whether private coverage could fill any gaps.
SGLI: Servicemembers' Group Life Insurance
Low-cost group term life insurance for eligible service members, including active duty and qualifying Ready Reserve and National Guard members. Most are enrolled automatically, with coverage up to $500,000 in $50,000 steps. Coverage continues free for 120 days after leaving the military.
VGLI: Veterans' Group Life Insurance
Lets you keep group term coverage after you leave the military, for as long as you pay premiums. You can convert from SGLI for $10,000 to $500,000 of coverage, up to the amount you had. Apply within 240 days of leaving service to skip the health review. Premiums are based on age and rise as you get older.
VMLI: Veterans' Mortgage Life Insurance
Mortgage protection for veterans with severe service-connected disabilities who received a Specially Adapted Housing grant. It pays up to $200,000 directly to the mortgage lender, decreases as the mortgage is paid down, and must be applied for before age 70.
SGLI, VGLI and VMLI are government programs administered by the VA, not products sold by Esoteric Financial Group. Details can change; see the VA life insurance site for current eligibility and rates.
Carriers I work with
As an independent advisor, I'm not tied to one company. I compare options across many carriers to find the right fit for your health, budget, and goals.
Featured simplified issue carriers
Mutual of Omaha
American Home Life
SBLI
Liberty Bankers
CICA
Combined (Chubb)
Corebridge (AIG)
Ethos
Foresters
Additional carrier partners
GTL
Ladder
Transamerica
American Amicable
Pan-American Life
Banner Life (Legal & General America)
United Home Life
Kansas City Life
F&G
Protective
Royal Neighbors of America
Americo
Aetna (CVS Health)
Prosperity Life
Assurity
Lincoln Financial
Pacific Life
Nationwide
John Hancock
Prudential
Securian (Minnesota Life)
North American (Sammons)
Allianz Life
National Life Group (LSW)
Penn Mutual
Principal
Symetra
Global Atlantic- Great Western
- Fidelity Life
Equitable
Guardian
MassMutual
Ameritas
Columbus Life- Occidental Life
TODO: professional headshot of Jorge
Meet your advisor
Hi, I'm Jorge Lozano.
I'm the founder of Esoteric Financial Group. I've spent over five years in this industry helping families protect what matters most, and I specialize in mortgage protection, indexed universal life, final expense coverage and retirement planning.
As an independent advisor, I'm not tied to any one company. We work with 40+ A-rated carriers, and I'm licensed in 20+ states. That means I can compare options to find coverage that fits your health, your budget and your goals, often with no medical exam.
My job is to make life insurance simple: plain answers, honest advice, and a plan you feel good about.
National Producer Number (NPN): 21308245
States served
I'm licensed in 20+ states, including the ones below. Not sure if I can help you? Just ask.
- ALAlabama
- AKAlaska
- AZArizona
- ARArkansas
- MDMaryland
- MAMassachusetts
- MIMichigan
- MSMississippi
- MOMissouri
- NVNevada
- NMNew Mexico
- NCNorth Carolina
- OHOhio
- OKOklahoma
- OROregon
- PAPennsylvania
- RIRhode Island
- SCSouth Carolina
- TNTennessee
- TXTexas
- UTUtah
- WVWest Virginia
Frequently asked questions
What is simplified issue life insurance?
It's life insurance you can qualify for by answering health questions instead of taking a medical exam. Carriers typically also check standard databases such as prescription history and the MIB.
Do I really not need a medical exam?
Correct, simplified issue policies don't require a paramedical exam, blood, or urine samples. You answer health questions on the application, usually by phone.
How fast can I get a decision?
Simplified issue decisions are generally much faster than fully underwritten policies, but timing varies by carrier and by your answers. I'll tell you what to expect for the options we're considering.
Is simplified issue more expensive than traditional coverage?
Sometimes slightly, because the carrier takes on more uncertainty without an exam. For many people the speed and convenience are worth it, and comparing multiple carriers helps keep costs down.
What if I have health conditions?
Many people with common conditions still qualify. Each carrier asks different questions, which is exactly why working with an independent advisor helps. If simplified issue isn't a fit, guaranteed issue options may be available.
What's the difference between simplified issue and guaranteed issue?
Simplified issue asks health questions; guaranteed issue doesn't, but usually has a waiting (graded) period before the full death benefit is paid for natural causes.
Does it cost anything to work with you?
No. My quotes and advice are free. Advisors are paid by the insurance company, and your premium is the same either way.
Get your free, no-obligation quote
Share a few details and I'll reach out to walk you through your options. No pressure, no spam.
Prefer to talk?
Call or text: (907) 215-1935
Email: jorgelozano.pinnacle@gmail.com
Hours: Monday through Saturday, 8 AM to 8 PM Eastern
Calls and texts I send you go out only between 8 AM and 8 PM in your local time.
Protect your family, no exam required.
Get a free comparison from multiple carriers in minutes.