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. I 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. I will save you time and money from having to search the market. With my over 30 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

After speaking with over a half dozen insurance agents, trying to find the best rates for term life insurance given my complex medical history, I found Mike’s team.It’s hard to find in the insurance industry, but Mike comes off as a genuinely kind human being. I did not at anytime feel that I was being sold. He understood my situation, did the work, and secured me rates <50% what I was being quoted elsewhere.Keep doing what you’re doing Mike,

- Frank M. from San Francisco, CA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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.

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.