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 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.
With our first baby on the way, I knew I needed life insurance, but I was anxious that I would be overcharged due to a chronic medical condition. I tried working with internet brokers first, but their automatic quotes were unreliable, and they bombarded me with phone calls and emails as soon as they realized I was in the market. Then I found Mike, who specializes in finding insurance for people with chronic health concerns. He clearly explained my options and laid out all the pricing for me to choose the plan that suited me best. I now have the protection I need while keeping my premium within our budget. Thanks, Mike!
- Will P. from Fort Collins, CO.
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.
