Mike Raines of Raines Insurance Group discusses many topics on various news outlets across the Internet. Read about them here.
What if the automated “declined” email sitting in your inbox isn’t a final verdict on your family’s security, but simply a sign you’re knocking on…
What if the “hazardous” label on your employee file was actually a negotiable variable rather than a fixed financial penalty? For many professionals,…
A life insurance decline is rarely the final word on your financial security; it’s simply a signal that you need a more specialized assessment. If…
Receiving a “no” from a life insurance company isn’t a final verdict on your insurability; it’s simply a sign that your health profile didn’t align…
A previous decline from a major carrier doesn’t mean you’re uninsurable. It’s a common misconception that having a history of heart disease,…
A previous decline or a high table rating doesn’t have to be the final word on your family’s financial security. For many, the search for universal…
A “declined” letter from a life insurance company isn’t a final verdict on your insurability. It’s often just proof that your medical history or…
Insurance carriers don’t actually insure your pacemaker; they insure the cardiac stability that the device provides. If you’ve felt the sting of a…
Most applicants believe a heart surgery scar is an automatic “no” from top carriers, but in 2026, your surgical history is the start of a clinical…
