Quotes for thyroid cancer life insurance

Where to find the best quotes for thyroid cancer life insurance

When looking for the lowest rate quotes for thyroid cancer life insurance the number one tip is to use an independent life agent.

Not only do you need to use an independent life insurance agent, but you need to use one that is an expert in the special risk life insurance marketplace.

Quite frankly, most agents don’t like it when an individual has a pre-existing medical condition. Why? Because they don’t have the experience of what the right questions are to ask and what carriers might underwriter favorably.

Only a handful of life insurance companies specialize in thyroid cancer life insurance. You want to go to only those carriers. Otherwise, you are wasting your time.

How to find the companies that underwrite the bestquotes for thyroid cancer life insurance

Okay, so now you know that only a few carriers specialize in underwriting individuals with thyroid cancer. And you know you need an independent life insurance agent that represents dozens of carriers who specialize in this condition. Also, you know you need an agent who not only is independent but that has years of experience and knowledge.

Fortunately, you are in luck. You landed on this page. We are experts in finding the most affordable quotes for thyroid life insurance protection. We know how to shop your case and negotiate with the different underwriters to get the best rate.

Steps to take to find the best rates on thyroid cancer life insurance

Okay, so now you are ready to look for term life insurance protection. Below is some of the information that your agent will need in order to go to bat for you.

The more information you provide, the better it is. Life insurance companies have many ways of finding out information, including looking at your medical records and running your name through the medical information bureau.

  • Date of birth
  • Male or Female
  • Any tobacco use in 5 years
  • Height/weight
  • Amount of Protection needed
  • Date Diagnosed
  • Type of thryoid cancer diagnosed
  • Stage of cancer
  • Type of Treatment
  • Last date of Treatment
  • Any family history of cancer or heart disease before age 60
  • Any other major medical history such as diabetes, heart disease, etc.

Now that your agent has some of the information above they can go to work for you in finding the best rates for thyroid cancer life insurance.

Your agent will talk to underwriters and try to get a tentative offer for coverage from several carriers. A tentative offer basically means if after a formal application, medical records, etc. is completed and nothing has dramatically changed the rate tentatively given will be approved as your final rate.

Once your agent has the tentative offers from all the carriers he or she will present to you the best offer. If the tentative offer is acceptable to you then you can move forward with a formal application and requirements.

Why do you want a tentative offerWhat Why

Quite frankly a tentative offer saves you not only time but money. Why go thru a formal application, exam, ordering your doctors reports, etc. if in the end the carrier is going to decline you for coverage or highly rate you?

Life insurance does you no good if you can’t afford it. And, who wants to spend time filling out dozens of applications until you find a carrier that will accept you?

This is why an experienced agent can help. Most agents quite frankly aren’t familiar with tentative offers for coverage. They simply just have you apply with any old carrier that THEY like and hope you get approved.


If you are in the market for life insurance and have a history of thyroid cancer, give us a call at 1-888-393-9003 or email mike@specialriskterm.com for a free consultation. We also offer guaranteed issue life coverage.


For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
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

Email: mike@specialriskterm.com

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


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.

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 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 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.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

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 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.

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.

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 his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

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

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