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
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.
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.
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.
Mike at special risk is a true gentleman and an expert life insurance agent. With Mike’s experienced advice and work, I was able to obtain an excellent policy for my family’s security. Mike’s advice was consistently on point. He is honest and always responsive. I recommend Mike and Special Risk Term without reservation for your life insurance needs.
- Michael C. from Stoneham, MA.
