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:
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
I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.
- Daniel S. from Seaside, CA.
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.
Best rates and best service I have ever received.
- Robert from Kennesaw, GA.
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.
