Auto Racing and Life Insurance

Does auto racing keep me from getting life insurance?

Auto racing is a sport enjoyed by professionals and weekend warriors alike. The sport is exciting but can also be dangerous. Most life insurance companies will want to find out all the particular details about the auto racing in order to properly underwrite this risk.

Finding affordable life insurance coverage can sometimes be a challenge for those that participate in auto racing. But, not all life insurance carriers look at the risk the same.

Many carriers have no inclination to offer a competitive rate on auto racing no matter how much training, safety certificates or precautions you take. These carriers are simply not in the market to underwrite this type risk.

Other carriers can be much more lenient in how they view your auto racing history. Of course, they will still want all the details of what type of car, how fast, what type of track, etc. But they are much more likely to give you a better rate.

How do you find the best carrier for auto racing?auto racing and life insurance

The secret to finding the best rate for those carriers who specialize in auto racing is to work with a life insurance agent or agency who also specializes in finding the most affordable protection for this type of coverage.

Fortunately, you have landed on this page. We know the carriers that give you the best shot at the lowest rates. We know the questions to ask, we know how to negotiate with each carrier to make the earn your business.

How to get the lowest rate?

It’s important to understand a couple of things when researching which carrier to go to when looking for coverage in this situation. First, what amount of protection do you require?

Some carriers only offer minimum amounts of coverage for this type risk, while other carriers may offer millions of protection if the need is financially justified. Second, what type of coverage do you need? Are you looking for term life coverage or permanent life insurance such as universal life or whole life?

Some carriers may be more competitive in the term life insurance marketplace where others might offer better protection if you are looking for a more permanent need?

Again, the best way to find the company that will offer you the amount of coverage you need, along with the plan of coverage you want is to work with an independent life specialist who already knows which carriers offer you a combination of both.

Typical questions that need answered

When looking for coverage for auto racing you will need to provide detailed information regarding your racing. This questions will include some of the following:

  • Do you hold a competition drivers license from any organization?
  • Have you ever attended any driver’s school?
  • How long have you been participating in racing?
  • Date of last race?
  • What type of track do you race on?
  • How far do you travel to race?
  • Is racing full time?
  • Type of car used for racing?
  • Miles per race
  • Max speeds attained
  • Do you own a competition vehicle? Make and Model? Displacement? Class?

In addition to the details about the racing you will typically need to answer questions about your health. Some of these questions will include:

  • Date of birth
  • Male or Female
  • Tobacco use within last 5 years
  • Height/weight
  • Taking any current prescriptions?
  • Have any major medical history such as heart disease, diabetes, cancer history, etc.

The answer to these questions will go a long way in helping your agent (hopefully us) determine how much your protection will cost.


Life insurance protection is vital to protect your family or business form the unforeseen. We are experts in finding coverage for those who participate in hazardous activities. If you would like a free consultation please don’t hesitate to contact the owner Mike Raines at 678-207-8160 or

For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
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


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


Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

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.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

We work with individuals across the nation to secure the best life insurance rates.

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