Who We Are
Mozdex is a life insurance resource built by Jaime Arias Ortiz, a licensed insurance professional and graduate of Harvard Business School (MBA). Jaime has been licensed and active in the insurance industry since 2018, working with carriers across the United States to place coverage for clients that other agencies turn away.
Professional Credentials
- National Producer Number (NPN): 19271214
- Education: MBA, Harvard Business School
- Licensed Since: 2018
- Affiliated Agency: Dynamic Insurance Solutions
- Verify License: NIPR.com (search NPN 19271214)
Our Specialization: High-Risk Life Insurance
Most life insurance websites give generic advice. We focus specifically on the cases that require real underwriting knowledge — because that's where people need the most help.
Our expertise covers life insurance for individuals with:
- DUI or DWI history — navigating carrier lookback periods and surcharges
- Tobacco and cigar use — finding carriers with favorable smoker classifications
- Health conditions — diabetes, heart conditions, sleep apnea, obesity, and more
- High-risk hobbies — scuba diving, skydiving, piloting private aircraft
- Mortgage protection — matching coverage to your loan balance and term
We work with 30+ insurance carriers, each with different underwriting guidelines. A condition that gets you declined at one company may qualify for preferred rates at another. Knowing which carrier to approach — and how to present your case — is what we do.
Why This Site Exists
The life insurance industry is full of generic content written by people who've never placed a policy. Mozdex is different: every article reflects real underwriting experience. When we say a carrier is favorable for cigar smokers or that a DUI older than five years won't affect your rates with certain companies, it's because we've placed those policies.
Our mortgage life insurance calculator and educational guides are free resources designed to help you understand your options before you talk to an agent — including us.
Editorial Standards
All content on Mozdex is written and reviewed by licensed insurance professionals. We update our articles regularly to reflect current carrier underwriting guidelines and industry changes. For more details, see our editorial policy.