Knowledge and Experience
What sets Special Risk Term apart is my more than 30 years of experience and knowledge in securing protection for thousands of individual’s. I’ve helped provide protection for many conditions, occupations, and activities including:
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I work with individuals across the nation to secure the best life insurance rates.
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As an independent life agent I represent hundreds of companies, and have the knowledge of which carriers will consider a particular situation. I can provide you with the lowest rates available in the marketplace. Through my many years of developing relationships with insurance carriers I personally negotiate on your behalf. This saves you time and money. No more phone calls to multiple agents or filling out forms online. No huge Internet quoting company can offer you this type of personal service. If you have been turned down for coverage, rated for coverage, or just want to find out if coverage is reasonably priced then contact me and I will do the legwork for you. You will speak directly to me at 678-207-8160 or e-mail me at or mike@specialriskterm.com
I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.
- Jeff from Hermon, ME.
Mike, has been doing a great job. He has gone above and beyond my expectations in finding the right plan for me. He was referred to me by the Marfan foundation and I have to say that I’m really impressed by his ability to come up with several creative and great solutions. I would recommend his services
- Derek S. from Mesa, AZ.
Mike (and team),
I just wanted to send you a note of thanks. You were really great to work with and were especially patient with me, which I appreciate.Thanks for your help in finding me a suitable life insurance policy.Kind regards,- Rebekah K. from Kalamazoo, MI.
I have to say, working with Mike Raines and Special Risk Term has been an amazing, seamless experience from start to finish. Mike gets things done and knows his business, especially given the previous health issue I had. GREAT
- Richard B. Long Branch, New Jersey