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:
These guides cover the medical histories, occupations, and underwriting issues that most often affect life insurance approval and pricing.
How underwriters evaluate medical history, stability, records, and carrier fit when health issues make coverage harder to place.
What A1C, age of diagnosis, medication, complications, and control history can mean for approval and rates.
How cancer type, staging, treatment, remission period, and follow-up records affect underwriting options.
How seizure type, frequency, medication control, driving status, and medical follow-up are usually reviewed.
What carriers look for in kidney function, diagnosis, treatment history, and overall stability.
How severity, organ involvement, medication, flare history, and specialist records can influence offers.
How time since event, cause, recovery, medications, and vascular risk factors affect underwriting.
How aviation type, hours, ratings, routes, and policy aviation exclusions can affect life insurance options.
Special-risk applications are often won or lost before the application is submitted. Clean records, the right carrier, and a clear explanation of your history can prevent unnecessary declines or inflated offers.
Mike Raines works directly with applicants who have been declined, rated, postponed, or told coverage would be too expensive. The goal is to match the case with carriers that regularly underwrite that specific risk instead of sending the same application everywhere.
That matters most when your health history, job, hobby, or prior application result needs context before an underwriter sees it.
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
Mike,All I can say is thank you, thank you, and thank you some more! I will definitely pass your name along to others because you’ve done what other could not do. You also stuck with me until the entire time until my getting life insurance was completed.I wanted to leave my sons something…..and because of you I am now able to so. I appreciate your help and your teams help!- April B. Smyrna, Ga.
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.
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
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.
