Mike Raines of Raines Insurance Group discusses many topics on various news outlets across the Internet. Read about them here.
What if the biggest risk to your life insurance application isn’t your medical history, but the agent you choose to submit it? You’ve likely felt the…
Most generic online calculators are fundamentally incapable of providing accurate term life insurance quotes for pre existing conditions because they…
Did you know that in 2026, the U.S. estate tax exemption for non-domiciled foreign nationals is a mere $60,000, while U.S. citizens enjoy a $15…
Receiving a life insurance decline letter feels like a final verdict on your family’s financial security, but in the specialized world of impaired…
Securing life insurance with a felony record isn’t just about your past mistakes; it’s about how you present your rehabilitation to the right carrier…
A DUI conviction on your driving record isn’t a permanent barrier to coverage; it’s a timing obstacle that requires a specialized underwriting…
Most law enforcement professionals rely on department-issued policies that only cover one to two times their annual salary, yet financial experts…
The odds of a fatal plane crash are estimated to be 11 million to 1, yet many traditional carriers still treat your pilot’s license as a significant…
Your health improvement isn’t just a personal victory; it’s a negotiable financial asset that most policyholders leave on the table. It’s frustrating…
