Life Insurance For Drag Racers

Lowest cost life insurance for drag racers

There is no question about it, finding affordable life insurance for drag racers can be more difficult. But, if you know which carriers typically offer the best rates, it makes the search easier.

In the life insurance arena it is a fact that most carriers tend to shun away from offering affordable life insurance for drag racers. You need to use an agent or agency who specializes in this type of risk.

Special Risk agent

A special risk agent will be an agent who works with carriers that offer policies for individuals who participate in high risk hobbies like drag racing, mountain climbing or perhaps have some type of pre-existing medical condition.

These particular agents have years of experience and knowledge of which particular carrier will offer the lowest rates based on a particular situation.

In regards to finding life insurance for drag racers, it’s important to answer several questions about the lifestyle and the racing habits of the individual. Here are some of the common questions that will need to be answered in order to provide an accurate assessment:Life insurance for drag racers

  • Date of Birth?
  • Height/Weight?
  • Any history of tobacco use?
  • Currently taking any prescription medications?
  • Any medical history of diabetes, cancer, heart disease, etc?
  • Any family history of cancer or heart disease?
  • Do you hold a competition driver license from any organization?
  • Have you ever attended any type of drivers school?
  • How long have you participated in racing?
  • Date of last race? Where?
  • What type of track or course do you race?
  • How far do you travel to race?
  • Have you ever competed or intend to compete outside the U.S.?
  • Do you intend to enter a new class of competition?
  • Have you ever done or intend to do any stunt driving?
  • Is racing your full time occupation?
  • Do you compete on a traveling circuit?
  • Which racing category have you or plan to participate in the next two years? I.E. Top Fuel, Top Alcohol, Prostock, other?
  • Name of organization sanctioning races?
  • Number of races last 12 months? Miles per race? Maximum speeds attained? 
  • Do you own a competition vehicle? Make, Model, Displacement, Class
  • Do you have access to any other competition vehicle? Make, Model, Displacement, Class

In addition to the above answers it is important when evaluating life insurance for drag racers to know how much protection is needed and what type of plan (term or permanent) you need.

Putting the pieces together for coverage

Once the above information is gathered your special risk broker can then negotiate with the different carriers for the best offer. It is important to remind you that no offer for coverage is guaranteed until a company has reviewed a full application, medical exams, Dr’s records, etc.

But, a tentative offer for coverage can be secured by allowing your special risk broker to shop your coverage to the company’s that might offer the lowest rates.

Top carriers on life insurance for drag racers

In my experience the following companies traditionally do the best job underwriting life insurance for drag racer:

  • United of Omaha Life
  • Prudential
  • American General Life
  • Banner Life 
  • Transamerica Life
  • North American Life
  • Principal Life 

All of the above companies are excellent highly rated life insurance carriers.

How to proceed

Fortunately, you have landed on this page. We specialize in life insurance for drag racers. If you would like to see what offers are available for coverage, simply give us a call and speak to the owner of the agency direct. I can be reached at 678-208-8160 or if e-mail is easier drop me an e-mail

Thank you for your interest and we look forward to assisting you.


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.

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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

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

- Shannon from Atlanta, GA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, 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.

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 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.

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

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