Stop Getting Penalized for Your Job.
Affordable life insurance rates specifically for CDL holders. We don't view driving as "high risk." Get up to $1M coverage with zero medical exams.
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Step 1 of 3How long have you held a CDL?
Coverage backed by top-rated carriers including:
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No Medical Exam
Simple approval process
Instant Coverage
No 2-year wait period
Cash Value
Borrow against your policy
Locked Rates
Your rates never increase
Why Truckers Choose IUL Insurance
Indexed Universal Life insurance offers benefits that traditional life insurance can't match
Tax-Advantaged Growth
Your cash value grows tax-deferred, giving you more money working for you over time. Unlike traditional savings, you won't pay taxes on the growth while it's in the policy.
Access Your Cash Value
Need money for an emergency, opportunity, or retirement? You can borrow against your policy's cash value tax-free, giving you financial flexibility when you need it most.
Protect Your Family
Your loved ones receive a tax-free death benefit, ensuring they're financially protected if something happens to you on the road. Peace of mind for you and security for them.
Rates Never Increase
Lock in your rate today and keep it for life. Unlike term insurance that gets more expensive as you age, your premium stays the same no matter what.
Trusted by Truckers Nationwide
Join thousands of drivers who have protected their families
"As an owner-operator, I was worried about getting coverage without a medical exam. The whole process took 20 minutes and I had $750K in coverage the same day. My wife finally has peace of mind."
Marcus T.
OTR Driver, 15 years
"I've been borrowing against my policy's cash value to help with truck repairs. It's like having a savings account that also protects my family. Best decision I made."
James R.
Company Driver, 8 years
"After being turned down by two other companies because of my weight, I was approved here with no exam. The agent explained everything clearly and got me exactly what I needed."
Roberto M.
Owner-Operator, 12 years
Frequently Asked Questions
Get answers to common questions about trucker life insurance
IUL is a type of permanent life insurance that builds cash value based on stock market index performance, while protecting you from market losses. It combines life insurance protection with a savings component that can grow tax-deferred.
We work with carriers that offer simplified underwriting for truckers. By answering health questions honestly, many drivers qualify for coverage up to $500,000 without needing to visit a doctor or provide blood samples.
Unlike some policies that only pay out after a 2-year waiting period, our policies provide full coverage from day one. If something happens to you, your beneficiaries receive the full death benefit immediately.
Yes! Once your policy builds cash value, you can borrow against it tax-free for any purpose - emergencies, truck repairs, retirement income, or opportunities. The loan doesn't affect your death benefit as long as it's repaid.
Many truckers with health conditions still qualify. Our agents work with multiple carriers and know which ones are most trucker-friendly. We've helped drivers with diabetes, high blood pressure, and weight issues get coverage.
Rates depend on your age, health, and coverage amount. Most truckers pay between $200-$600/month for substantial coverage. The best way to find out is to complete our quick form and get a personalized quote.