Term life race driver quotes

Best term life race driver quotes

Finding affordable term life race driver quotes sometimes can be difficult. But, if you know the secrets you can narrow down the field pretty quickly.

Just as you wouldn’t go to a brain surgeon for heart surgery or a heart surgeon for brain surgery. You also wouldn’t go to a life insurance company that does not specialize in high risk activities or pre-existing medical conditions.

You see there are companies out there that specialize in term life race driver quotes. Many of these carriers may be companies you have never heard of, whereas some of these carriers are very well known huge life insurance companies.

How to find the best carriers for race driver quotes

Okay, so I am going to save you a lot of time by telling you the best way to find the carriers that specialize in race driver quotes.

An independent life insurance agency who represents dozens of carriers is your best option. But, that independent life insurance agency needs to be also experienced and have knowledge in the racing niche.

You see, the experience of your agent will allow you to not only get the best carriers, but will also give you an advocate or can negotiate with the life insurance underwriters.

Questions to answer for best quotesTerm life race driver quotes

In order for your agent to give you the best race driver quotes for term life insurance he will need some standard information regarding how long of a term you want and how much protection? 

  • Date of birth
  • Height/weight
  • Tobacco use history
  • Any medical history or medications
  • Hold a competition driver’s license from any organization
  • Attended a driver’s school
  • How long have you participated in racing
  • Date of last race, where?
  • Type of track do you race
  • How far do you travel to race
  • Ever competed outside the U.S.
  • 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 do your participate, I.E. Drag racing, kart, off road, IMSA GT, etc.
  • Name of organization sanctioning races
  • Last 12 months total of racing, miles per race and max speeds
  • Next 12 months expected total racing, miles per race, max speeds
  • Make and model of car, displacement, class


The above questions will allow your broker the information needed to provide you with a tentative quote for coverage from several companies that specialize in race driver quotes.

Companies that specialize in racing

Here are a list of some of the life insurance companies that typically quote well for race car drivers:

  1. Banner Life Insurance Company
  2. Prudential Life
  3. Lincoln National Life
  4. Protective Life
  5. United of Omaha
  6. Principal National Life 


As it is with any life insurance policy applied for, health and lifestyle are looked at differently by all life insurance companies. The above article should give you enough information to allow you the best opportunity to find the lowest term life race driver quotes.

We specialize in the special risk life insurance marketplace. Let us put our over 30 years of experience and knowledge to work for you. Give us a call at 1-888-393-9003 or email mike@specialriskterm.com for a free consultation.



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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:
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Cumming, GA 30041


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.

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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!

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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.

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It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

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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.

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About SpecialRiskTerm.com
About SpecialRiskTerm.com

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

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