Coverage built for life on the road.
Your income depends on your ability to work, and your family depends on your income. Therefore, life insurance gives them a safety net, whether you drive as an owner-operator or for a company.
Long hauls make planning harder.
Truckers spend long stretches away from home, so scheduling an insurance appointment is often difficult. In addition, income can vary from month to month, especially for owner-operators.
Because of that, many drivers put off coverage. However, a family still depends on that paycheck, and a policy can replace it if the driver passes away.
We work entirely by phone, so you can talk with your agent from home or during a break. Moreover, our phone line stays open 24 hours, which fits an irregular schedule.
Four ways coverage protects your family.
Income protection
Term life can replace your income for the years your family depends on it. As a result, a spouse and children can keep the household running.
Final expenses
Smaller whole life policies can cover funeral costs. Therefore, your family does not have to pay them out of savings.
Owner-operator obligations
Owner-operators often carry truck payments and business debts. Consequently, coverage can also help protect your family from those obligations.
Lasting protection
Whole life lasts your entire life and builds cash value, while premiums stay level. For that reason, it suits drivers who want coverage that never expires.
Simple, personal and handled by phone.
Call when it suits you
Phone us any time, day or night, or request a quote online. Then tell us about your family and your goals.
Compare carriers
Next, your agent compares options from many carriers, because carriers may review driving records and occupations differently.
Finish by phone
Finally, your agent guides you through the application by phone, and you decide when you are ready to move forward.
Policies truckers often consider.
Term Life Insurance
Term life replaces income for a set number of years, so it fits families who rely on one paycheck.
Learn moreWhole Life Insurance
Whole life lasts a lifetime, while its level premiums make budgeting easier on an uneven income.
Learn moreFinal Expense Insurance
Final expense coverage helps pay funeral costs, so your family does not carry them alone.
Learn moreTrucker questions, answered.
Can truck drivers get life insurance?
Yes. Truck drivers can apply for life insurance, and carrier underwriting makes the final decision. Because carriers may review your health, driving record and occupation, your agent matches you with carriers that fit your situation.
Do I need a medical exam?
It depends on the carrier and the product. For example, some final expense policies skip the exam, while larger policies may require one.
Does a policy stay active while I am on the road?
A policy stays in force as long as you pay the premiums. However, every policy has terms and exclusions, so your agent reviews them with you before you apply.
Can owner-operators and company drivers both apply?
Yes. Both can apply, and your employment type does not change the process. Nevertheless, income and coverage needs differ, so your agent builds the plan around your situation.
Availability, underwriting and pricing vary by carrier, product and state. Each policy has terms, limitations and exclusions, and a licensed agent reviews them with you before you apply.
Ready to protect the people at home?
Speak with a licensed agent by phone, or request your free quote online. Your dedicated agent will then walk you through your options.