See My Options
See My Options
A truck driver with his arms crossed, leaning on a black semi-truck at sunset

Life insurance for

Truck drivers

Different job. Different schedule. Same responsibility.

OTR, owner-operator, company driver or just getting started: TruckLife helps you explore life insurance built around life on the road, with a licensed agent when you are ready.

GET STARTED NOW
  • Takes about a minute
  • No obligation
  • Private & secure

TruckLife isn't an insurance company. A licensed insurance professional reviews your options.

Prefer to talk? Call us at (888) 574-9111.

Every kind of driver. Same reason.

Pick the one that sounds like you.

OTR driversOver-the-road, weeks out Owner-operatorsYour truck, your business Company driversIs carrier coverage enough? Regional driversHome most weekends Local driversHome every night Team driversTwo drivers, one truck Hotshot driversYour own rig and loads Independent driversContract to contract

The
road.

  • Long days.
  • Long nights.
  • Thousands of miles.
  • Loads that have to arrive.
  • Bills that don't stop.

The
reason.

  • The house.
  • Your spouse.
  • Your kids.
  • The life you've built.

Protect what all those miles are for.

Show me my options

What are you working this hard to protect?

Tap one. Teri picks up from there — no need to explain it twice.

Teri, the TruckLife guide, in a navy cap in front of a semi-truck

Not behind the wheel? Same question at home.

See everyone we help
Construction Electricians Linemen Welders Oilfield Miners Heavy equipment Mechanics Firefighters EMTs & paramedics Transportation Other hard jobs

Getting coverage should be straightforward.

A simple process. Real people. Options that fit your life on the road.

  1. 1
    Tell us about youA few quick details about your job, health and coverage needs.
  2. 2
    Review your optionsWe'll connect you with agents who work with insurers that consider your occupation.
  3. 3
    Talk with a licensed agentGet clear answers and personalized guidance — on your schedule.

Take the TruckLife 60-second checkup.

"Tell me a little about you, who you're protecting, and what feels comfortable. I'll help you figure out the next step."

Start my checkup Continue my TruckLife options

About 60 seconds · No obligation · No prices quoted online

Or pick your path

Family income protectionIf your paycheck stopped tomorrow Mortgage & home protectionKeep the house with the people in it Final expenseFuneral and end-of-life costs Owner-operator protectionPersonal and business obligations

No
insurance-
speak.

Just the basics you actually need to understand.

Term life

Coverage designed for a defined period.

Permanent life

Life insurance designed for longer-term coverage subject to the policy's requirements.

Cash value

Some permanent policies can accumulate cash value under their terms. Growth isn't promised for every policy.

IUL

A form of universal life insurance with interest-crediting features linked to an index and subject to policy terms. Not an investment; cash value is not guaranteed.

Final expense

Coverage often designed around funeral and other end-of-life expenses.

General education only. No product is right for everyone. Features, costs and availability vary by insurer and state — a licensed agent can explain what applies to you.

Straight answers.

Can truck drivers get life insurance?
Yes, many truck drivers can. Driving for a living doesn't by itself rule anyone out. Each insurer weighs occupation, driving record, health, age and the coverage amount differently, so results vary — a licensed agent can check which insurers fit your situation.
How much does it cost?
It depends on age, health, tobacco use, the type of policy, the amount and the insurer. There's no single "trucker price," and TruckLife doesn't quote prices online. A licensed agent can show real numbers for your state.
Do I need a medical exam?
Sometimes. Some policies use health questions only; others require an exam or records, depending on the insurer, the amount and your age and health. An agent can explain which options may skip the exam and what the trade-offs are.
Isn't the coverage through my carrier enough?
Group coverage can be valuable, but it's often a set amount and usually tied to that job — change carriers and it may end. Many drivers look at coverage they own no matter who they drive for. Never cancel existing coverage before new coverage is approved and in force.
Can owner-operators get life insurance?
Yes. Owner-operators often have more to plan for — a truck note, business loans, income that depends on keeping the truck moving. A licensed agent can talk through personal and business needs.
What's an IUL?
Indexed universal life is a type of permanent life insurance where interest credited to the cash value can be linked to a market index, subject to caps, floors, participation rates, fees and charges. It isn't an investment, cash value isn't guaranteed to grow, and a policy can lapse if it isn't funded as designed. It fits some situations and not others.

Stories from the road.

Real questions drivers ask — answered honestly. No fake testimonials.

Owner-operatorWhat happens to the truck payment if something happens to you?Read the story → Company driverIs the life insurance through your carrier enough?Read the story → OTR driverLife insurance when your office is 500 miles from home.Read the story → New CDL driverStarting a trucking career — and starting a family.Read the story → Hard jobsNot behind the wheel? Same question at home.See who we help →

You keep America moving. Protect who's waiting at home.

Show me my options