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 and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.
- Tyler C. from Danville, VT.
It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!
- Bobby from Washington D.C.
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 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.
