Key man insurance quote

Looking for key man insurance quote?

When shopping for key man insurance quotes or key woman insurance quotes it’s important to use an expert. Why?

Life insurance can often be a confusing product for many. You may have heard of terms life level term insurance, whole life insurance, universal life, adjustable life, return of premium insurance. Which one is right for you particular situation?

Only an experienced and knowledgeable agent can guide you toward the best key man insurance quote.

Sure, you can go online to one of the big 1-800 call centers to get a key man insurance quote. Or you could call your local P&C agent to get a key man insurance quote. But, are they experts. We are.

The best of both worldskey man insurance quote

So, what if you could get the best of both worlds? An independent life insurance agency can offer you not only dozens of key man insurance quotes, but also one on one service from quote to policy delivery.

An independent life insurance agency will be able to explain the difference of each policy option, how to set up the ownership and beneficiary.  Tips to help speed the policy thru underwriting. Ways that you can get insured without a medical exam.

Independent life insurance agencies can negotiate one on one with dozens of underwriters to make sure you get the absolute lowest key man insurance quote. No big boutique call center can give you this service.

Remember, the agent on the other end of the phone gets paid a commission no matter where you purchase this coverage. Make them earn it.

Who can purchase key man life insurance?

Key man life insurance coverage can be purchased by anyone that the business feels is important to its operation. This of course can be the owner of the business or a partner.

It may also be a top salesperson or even an executive assistant who would be hard to replace. The money provided by the life insurance policy will indemnify the business for the loss of revenue generated by the key employee.

Or, as with the executive assistant, provide money for the business to go out an hire the very best prospect possible with no delay.

Types of key person life insurance policies

As mentioned earlier, life insurance companies offer many types of policies. Which one is best for your situation will depend on several factors. Your agent can help you narrow down the choices.

But, it has been my experience that most key man life insurance policies are typically term policies. Why?

Most business want to provide the maximum amount of protection at the lowest rate. Term life insurance accomplishes this goal.

Term life insurance is pure protection. There is no cash value, dividends, etc. You pay a premium each year for death benefit.

Term life insurance policies nowadays can offer guaranteed level rates.

Most competitive term companies offer guaranteed rates for 10, 15, 20 or 30 years.

Choosing which term plan to purchase comes down to a few factors:

  • How old is the employee?
  • Are they in excellent health or poor health?
  • How affordable are the premium payments?
  • Finally, how long does the business want to guarantee that rates stay level?

What if the employee has health problems?

Finding a key man insurance quote for employees that have health problems can be more difficult. But, this is why you want to use an independent life broker.

Independent life brokers can shop for key man insurance quotes with several different carriers. Depending on the health condition oftentimes a carrier will specialize in underwriting a certain condition.

For instance, if you have an employee who is diabetic an experienced insurance broker would only quote those carriers that specialize in underwriting diabetics. So, this is one other reason it is important to use a knowledgeable and experienced broker.

Over the years, we have found key man insurance quotes for individuals with a history of:key man insurance quote


So, whatever your situation is, whether is life insurance for yourself or a valuable employee, key person life insurance can be a simple and very cost effective way to protect your business from an unforeseen situation.

If you would like a free cost analysis or simply want to talk about your key employee life insurance needs, give us a call at 1-678-207-8160 or email


For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

We work with individuals across the nation to secure the best life insurance rates.

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