Special Risk Term Life Insurance

Mike Raines
Hi, I am Mike Raines the owner of Raines Insurance Group and creator of www.specialriskterm.com.
I started SPECIALRISKTERM.COM as a way to help people find the absolute lowest life insurance rates available for pre-existing medical conditions, high risk hobbies and occupations. We represent dozens of highly rated life insurance carriers that specialize in underwriting these situations the best.
All life insurance companies look at your health and lifestyle differently.
The secret is knowing which ones do it at the lowest cost based on your particular situation.
For a free consultation give me a call or send me an e-mail. We will save you time and money from having to search the market.
With my over 35 years of experience, I know which companies offer the lowest rates.
Call me at 678-207-8160 or e-mail at mike@specialriskterm.com.

What is the Secret to Finding the Best Rates on
Special Risk Life Insurance?

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:

Key Person Life Insurance
Asthma
Elevated Blood Pressure
Arthritis
Build
Anxiety/Depression
EKG Reading
Stroke
Sleep Apnea
Thyroid History
Pilots
Elevated Liver Enzymes
Sky Diving
Heart By-pass
Police & Firemen
Epilepsy
Diabetes
Scuba Diving
Multiple Sclerosis
Race Car Drivers
High Cholesterol
Kidney Disorder
Crohn’s Disease
Cancer History
Tobacco Use
Peripheral Vascular Disease
Ulcerative Colitis
Epilepsy




Compare rates from top insurance companies

  • Banner Life
  • American National
  • Prudential
  • AIG
  • Nationwide
  • Voya
  • Lincoln
  • Transamerica
  • Fidelity Life

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

Customer Reviews

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

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.

Mike at special risk is a true gentleman and an expert life insurance agent.  With Mike’s experienced advice and work, I was able to obtain an excellent policy for my family’s security.  Mike’s advice was consistently on point.  He is honest and always responsive. I recommend Mike and Special Risk Term without reservation for your life insurance needs.

- Michael C. from Stoneham, MA.