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.
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!- Bobby from Washington D.C.
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.
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.
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.
After speaking with over a half dozen insurance agents, trying to find the best rates for term life insurance given my complex medical history, I found Mike’s team.It’s hard to find in the insurance industry, but Mike comes off as a genuinely kind human being. I did not at anytime feel that I was being sold. He understood my situation, did the work, and secured me rates <50% what I was being quoted elsewhere. Keep doing what you’re doing Mike,- Frank M. from San Francisco, CA.
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.
With our first baby on the way, I knew I needed life insurance, but I was anxious that I would be overcharged due to a chronic medical condition. I tried working with internet brokers first, but their automatic quotes were unreliable, and they bombarded me with phone calls and emails as soon as they realized I was in the market. Then I found Mike, who specializes in finding insurance for people with chronic health concerns. He clearly explained my options and laid out all the pricing for me to choose the plan that suited me best. I now have the protection I need while keeping my premium within our budget. Thanks, Mike!- Will P. from Fort Collins, CO.
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.
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
Best rates and best service I have ever received.- Robert from Kennesaw, GA.
Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.- Shannon from Atlanta, GA.
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.
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 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.
Mike at special risk is a true gentleman and an expert life insurance agent. With Mike’s experienced advice and work, I was able to obtain an excellent policy for my family’s security. Mike’s advice was consistently on point. He is honest and always responsive. I recommend Mike and Special Risk Term without reservation for your life insurance needs.- Michael C. from Stoneham, MA.
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.