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:
Compare rates from top life insurance providers and save up to 58% on your life insurance.
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 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
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 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 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.
