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
Best rates and best service I have ever received.
- Robert from Kennesaw, GA.
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.
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.
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.
