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

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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