About Special Risk Term & Mike Raines

Family PhotoWWW.SPECIALRISKTERM.COM was created specifically for those individuals who have been declined, rated or felt that life insurance was not affordable due to a pre-existing medical condition, hazardous occupation or avocation.

Hi, I’m Mike Raines the creator of SPECIALRISKTERM and the owner of Raines Insurance Group, an independent life insurance agency located in metro Atlanta, Ga.

I entered the life insurance business in 1986. I began my career working with the oldest life brokerage firm in the United States, specializing in securing affordable protection for those with pre-existing medical conditions or high risk jobs and hobbies.

Through the years I have helped hundreds of individuals secure coverage from $5,000 up to $10 Million.

Born and raised in the coalfields of Southwest Virginia, I earned my degree in Mass Communication from East Tennessee State University in 1985. I am married with one son. I am a huge sports fan and enjoy following the local Atlanta teams.

I also enjoy playing basketball, reading, going to the movies, studying history and volunteering at my local Meals on Wheels.

I’m here to help you secure the most affordable rate in the marketplace. You can reach me at 1-888-393-9003 and direct at 678-207-8160 or mike@specialriskterm.com

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160

Email: mike@specialriskterm.com

Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041