For CDL drivers and owner-operators
Life Insurance for Truck Drivers
Coverage options for CDL drivers and owner-operators who want to protect their families and financial obligations.
- No obligation
- Multiple coverage options
- Licensed insurance professionals
Open now · a licensed agent can pick up Closed now · agents answer Mon–Fri, 9:00am–5:00pm ET. Send your details and an agent will call you back. Licensed agents answer Mon–Fri, 9:00am–5:00pm ET
Most of the insurance around a truck protects someone else.
Here is what typically reaches a driver's family — and what doesn't.
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Truck liability insurance
Federal rules require at least $750,000 for most for-hire general freight. It pays for injuries and damage you cause to others.
Pays your family: No
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Occupational accident insurance
Common for owner-operators. Typically a capped benefit for accidents while you're working — not for illness.
Pays your family: Some on-duty accidents
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Group life through a fleet
Often a set amount, and it usually ends when you leave the job.
Pays your family: While you work there
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Personal term life insurance
A policy you own, paid to the people you name — on duty or off, whoever you drive for.
Pays your family: Yes
- A policy you own
- Only while employed
- Only in some cases
- Not your family
Typical arrangements; the terms of your own policies control. Life policies carry standard exclusions, such as a suicide exclusion in the first policy years.
Carriers our agents can place business with. Products and availability vary by state.
What a licensed agent does on the call.
Call a licensed agentThree things drivers hear about life insurance.
01 — Straight answersUsually not for the driving itself.
Most carriers price CDL drivers on the same things as anyone else — age, health, tobacco and your personal driving record. A few ask extra questions about hazmat or specialized hauling.
A medical card isn't a life policy.
Your DOT medical card is permission to drive. Life insurers run their own underwriting — health questions, prescription and driving records, and sometimes an exam.
Group life usually ends with the job.
Fleet coverage is a good extra, but it's usually a set amount and typically ends when you leave. A personal policy stays yours whoever you drive for.
Built around a driver's schedule.
Most of it happens by phone, when you're parked — not at an office, and not while you're driving.
The things people ask before they call.
Usually not for the driving itself. Most carriers price CDL drivers on the same things they price everyone on: age, health, tobacco use and your personal driving record. A few carriers ask extra questions about hazardous materials or specialized hauling, and the agent will tell you which ones before you apply.
Often, yes. Treated, well-managed conditions are common in life insurance underwriting. Carriers look at things like your treatment and how well a condition is controlled, and they weigh the same history differently — which is why comparing carriers matters. The final decision and price are always the carrier's.
Start with what your family would lose — your income, for as many years as they would need it — then add debts that don't go away, like a mortgage or a truck note you personally guaranteed. Carriers generally look at net income rather than gross revenue, so have a rough idea of what you actually take home.
It's a good extra, but it usually isn't built to be the whole plan. Group coverage is often a set amount, and it typically ends when you leave the job. A personal policy is yours whoever you drive for.
No. Federal rules require liability insurance, which protects other people on the road. Nothing requires you to own life insurance. We're an independent insurance agency and aren't affiliated with the DOT, FMCSA or any motor carrier.
Most of it happens by phone. A licensed agent can go through your options when you're parked, applications are typically signed electronically, and if a carrier requires an exam it's usually done by a mobile examiner at a time and place you choose.
No. Your answers go to one licensed agent at this agency. We do not run a lead auction, and we do not need a Social Security number or payment details to price a policy.
Call when you're parked.
Talk with a licensed agent about protecting your family, your income and what you owe on the truck. No obligation.
Mon–Fri, 9am–5pm ET · Licensed in all states except New York