What is an IUL and why do truckers use it?

Indexed Universal Life (IUL) is permanent life insurance with flexible premiums and cash value that can grow based on a market index. Many owner-operators use it because it isn't tied to an employer, travels with you between carriers and contracts, and builds value you can access later. Growth potential and features vary by product — a licensed professional will walk through the details.

I'm on the road all the time — how does this work?

The whole request takes about 2 minutes from your phone. A licensed professional follows up by phone at a time that works with your schedule, and many policies can be completed entirely over the phone with no medical exam.

Doesn't my company already cover me?

Company coverage usually ends when you change carriers or stop driving, and owner-operators typically have no employer coverage at all. A personal policy stays with you no matter whose freight you're hauling.

Trucker Life Insurance — IUL & Life Options for Truck Drivers

What type of coverage are you looking for?

Many drivers ask about IUL (Universal Life) — coverage plus cash value that isn't tied to an employer. Not sure? We'll help you find the right fit.

Universal Life (IUL)Flexible premiums + growth

Term Life10, 20, or 30 years

Whole LifeLifelong + cash value

Final ExpenseFuneral & end-of-life costs

No-Exam LifeSkip the medical exam

Not Sure YetHelp me decide

Desired Coverage Amount (optional)

Not sure how much you need? A licensed professional will help you calculate the right amount based on income, debt, and family size.

Tell us a little about yourself

This helps match you with the right coverage options. Your answers are private and secure.

Your driving work

CDL company driver

Owner-operator

Other driving work

Date of Birth Please enter your date of birth.

Home ZIP Code Please enter a valid 5-digit ZIP code.

Tobacco & Nicotine Use Please select your tobacco use status.

Email Address Please enter a valid email address.

🔒 We never sell your email. If you need to step away, we'll send a link so you can finish later.

Tell us your name

So the licensed professional who follows up knows how to address you.

First Name Please enter your first name.

Last Name Please enter your last name.

Last step — your phone number

A licensed professional will contact you to discuss your options — at a time that works with your route. No spam. No pressure.

📞 We never robo-dial. Agents only call when they're personally working your request. You can stop contact anytime by replying STOP.

Phone Number Please enter a valid phone number.

🔒 Encrypted in transit & at rest · Shared only with licensed agents · Never sold to marketing lists

Your Request Is Submitted!

A licensed insurance professional will be in touch shortly to discuss your options — at a time that works with your schedule. No pressure, no obligation. Drive safe out there.

Check your email for a confirmation. Questions? Contact us anytime.

Why Drivers Get Their Own Policy

Trucking is one of the most demanding jobs in America — long hauls, irregular sleep, and time away from family. Here's why coverage that belongs to you matters.

🚛 Company coverage doesn't follow you

Switch carriers, go independent, or hang up the keys — employer group life usually ends the day you do. A personal policy rides with you.

🔑 Owner-operators start from zero

Running your own authority means no employer benefits at all. Your family's protection is one more thing you own outright.

📈 IUL builds value while you drive

Indexed Universal Life pairs a death benefit with cash value that can grow over time — flexible premiums for variable-income months. Features vary by product.

📱 Done from the cab

Two minutes to request, phone follow-up on your schedule, and no-exam options mean no doctor visits between loads.

Life Insurance for Truckers — Coverage That Rides With You.