Mike Raines

Life insurance Protection preferred and non-preferred risks.

[Mike Raines @specialriskterm]

Being a whitewater rafting guide doesn't automatically disqualify you from affordable life insurance—underwriters care far more about the class of rapids you run than your job title.

https://t.co/bnCI9uZk0D

[Mike Raines @specialriskterm]

Did you know that chasing tornadoes won’t automatically disqualify you from life insurance, because underwriters care far more about your road safety and training than your extreme job title?

https://t.co/nD6YI4Xgw1

[Mike Raines @specialriskterm]

Freediving doesn’t automatically make you uninsurable, because underwriters evaluate your actual depth, training, and frequency rather than just the extreme sport label.

https://t.co/lEQqnqEIf0

[Mike Raines @specialriskterm]

Working hundreds of feet in the air doesn't automatically disqualify you from getting life insurance, because underwriters look at your specific daily safety practices rather than just your job title.

https://t.co/yKg7H8PEiL

[Mike Raines @specialriskterm]

Did you know that five years of documented sobriety can qualify you for standard life insurance rates, even with a history of alcohol abuse?

https://t.co/qJioUgFHxR

[Mike Raines @specialriskterm]

Skiing outside resort boundaries isn't an automatic life insurance denial—what underwriters actually care about is your safety gear, training, and terrain.

https://t.co/WmvnrUGADC

[Mike Raines @specialriskterm]

Wingsuit flying won’t automatically disqualify you from life insurance, but whether you jump from an airplane or a cliff changes everything.

https://t.co/3dTy5Z3m0E

[Mike Raines @specialriskterm]

Riding 50-foot waves does not automatically disqualify you from getting life insurance, because insurers care far more about your actual experience and locations than the extreme label.

https://t.co/GNnfMKoBIG

[Mike Raines @specialriskterm]

Crab fishing might be one of the most dangerous jobs in the world, but your job title alone won’t automatically sink your life insurance application.

https://t.co/Et1cLNxPO1

[Mike Raines @specialriskterm]

A fatty liver diagnosis doesn't automatically lock you out of life insurance—underwriters care far more about your enzyme trends and follow-up care than the label itself.

https://t.co/CkjWZvbf4a

[Mike Raines @specialriskterm]

With a staggering 15% lifetime fatality rate, underwater welders face automatic life insurance denials every day, but doing the world's most hazardous work shouldn't leave your family unprotected.

https://t.co/SR89LZzB71

[Mike Raines @specialriskterm]

Relying on Defense Base Act coverage as your family's sole safety net is a dangerous mistake—it's strictly workers' comp, not life insurance.

https://t.co/F62jYihXH7

[Mike Raines @specialriskterm]

An aortic aneurysm isn't an automatic life insurance decline—approval often comes down to one critical factor: proven measurement stability on your scans over time.

https://t.co/nvBx7lOLez

[Mike Raines @specialriskterm]

Did you know nicotine can spike your life insurance costs by 225%, but occasional cigar use might still qualify you for standard non-tobacco rates?

https://t.co/s1uiJIjH7p

[Mike Raines @specialriskterm]

Climbing 300 feet in the air doesn't mean you have to pay sky-high life insurance rates, especially when the right safety credentials can qualify wind turbine technicians for standard premiums.

https://t.co/jboGei0EfP

[Mike Raines @specialriskterm]

Did you know that specialized underwriting secrets like anonymous pre-inquiries can turn a life insurance decline for multiple heart stents into a secured policy that protects your family’s financial future in 2026?

https://t.co/Z42HCOaVpO

[Mike Raines @specialriskterm]

How Long After a Stent Can I Get Life Insurance? The 2026 Timing Guide

https://t.co/7SYJ5G1kKI

[Mike Raines @specialriskterm]

Life Insurance After a Heart Stent Procedure: The 2026 Buying Guide

https://t.co/mM9JRaRXdo

[Mike Raines @specialriskterm]

Life Insurance for Structural Steel Workers: 2026 Guide

https://t.co/omRbWphYSO

[Mike Raines @specialriskterm]

Life Insurance with a Traumatic Brain Injury (TBI) History: 2026 Guide

https://t.co/k1Zc43pHvU