Life insurance that stays with you, not the carrier
Life insurance built around life on the road
Free to useNo obligationLicensed agents only
Company driver, lease-purchase, owner-operator or recently off the road: answer a few quick questions and we'll connect you with a licensed agent who can compare options for your situation.
- Free to use, no obligation to buy
- A policy you own goes with you when you switch carriers
- Pick a call time that works around your road schedule
Why truck drivers need their own coverage
Carrier coverage stays with the carrier
Group life through a job is usually tied to that job. Switch carriers, get let go or retire, and it typically ends or has to be converted. A policy you own goes with you.
Owner-operators have no employer plan
When you run your own truck, there's usually no group plan behind you. Any life insurance is something you set up yourself, and the truck note and household bills don't stop if you do.
Living benefits for life on the road
Many policies can include riders that let you use part of the death benefit early if you're diagnosed with a qualifying serious illness. Availability and terms vary by policy and state.
Your miles keep the family running
If your household depends on your paycheck, life insurance can help replace that income so your family can keep up with the mortgage, bills and kids' costs.
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Owner-operator
No employer plan and more riding on you: the truck note, fuel and your family's income. An agent can compare larger coverage amounts and policies that build cash value.
- 02
Company driver
You may have basic group life through your carrier, often a set amount that ends when you leave. A personal policy can sit on top of it and go wherever you drive next.
- 03
Lease-purchase driver
Paying off a truck adds a big monthly obligation. Coverage can help your family handle what's left if something happens to you.
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Stopped driving or retiring
Leaving the road often means losing carrier coverage. Permanent and final-expense policies are worth comparing, and an agent can walk you through what's available at your age.
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Sleep apnea, high blood pressure or diabetes
Many insurers consider applicants with these conditions and look at how well they're managed, such as regular CPAP use or recent readings. Comparing insurers matters here.
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Hazmat or tanker hauling
Some applications ask about hazardous work, and insurers don't all treat it the same way. An agent can compare carriers instead of leaving you to guess.
Life insurance for truck drivers
What Happens to Your Life Insurance If You Stop Driving?
A life insurance policy you own yourself keeps going when you stop driving, as long as you keep paying the premiums. Group life from a trucking company usually ends when the job does, but you typically get a short window, 31 days under California law, to convert it to an individual policy without proving you're healthy.
Editorial Team · September 30, 2026
Trucking Deaths and Injuries by the Numbers: BLS and FMCSA Data
In 2024, 798 heavy and tractor-trailer truck drivers died from work injuries, about 15.7% of all 5,070 U.S. work deaths by our calculation, and most of those deaths were transportation incidents. FMCSA data show 5,936 people died in crashes involving large trucks in 2022, including 914 large truck drivers.
Editorial Team · September 30, 2026
Living Benefits Life Insurance for Truck Drivers, Explained
Living benefits are accelerated death benefit riders that let you take part of your life insurance death benefit early if you have a qualifying terminal, chronic or critical illness. For a truck driver whose paycheck stops when their health does, that money can cover bills while you're alive, but whatever you take out reduces what your family gets later.
Editorial Team · September 30, 2026
Life Insurance for Truck Drivers: CDL & Owner-Operator Guide
Truck drivers can buy individual life insurance; driving a truck for a living does not rule you out, though insurers will look at your health, driving record and job duties. Group coverage from a carrier usually ends when you leave the job, and owner-operators often have no employer plan at all, so a policy you own yourself is what stays with you from truck to truck.
Editorial Team · September 30, 2026
Best Life Insurance for Truck Drivers (2026)
The best life insurance for a truck driver depends on what you need to protect and how long you need it for. Protective and Banner Life fit drivers who want long level term, up to 40 years, to cover a truck note and a mortgage. Transamerica fits drivers who want to skip the medical exam on up to $2 million. Corebridge Direct fits drivers who want living benefits for serious illness, and Gerber Life fits drivers aged 50 to 80 who can't pass health questions. We compared 6 companies using their own published terms, their rating agencies and NAIC complaint data.
Editorial Team · September 30, 2026
IUL for Truck Drivers: Cash Value, Loans and the Real Risks
Indexed universal life (IUL) can give a truck driver without a 401(k) permanent life insurance plus a cash value that earns interest tied to a stock index, within caps and floors. It is life insurance first, with ongoing charges and lapse risk, so most drivers should compare it with an IRA or, for owner-operators, a SEP or solo 401(k) before treating it as a retirement plan.
Editorial Team · September 30, 2026
Common questions
Can truck drivers get life insurance?
Yes. Driving a truck for a living doesn't by itself keep you from getting life insurance. Insurers look at your age, health, tobacco use and driving record, and some ask what you haul. Approval and rates depend on the insurer and your answers, which is why comparing options with a licensed agent helps.
Does my carrier's life insurance go with me if I leave?
Usually not. Group life through an employer is typically tied to that job and ends when you leave, though some plans let you convert or port it to an individual policy, often at a higher cost. A policy you buy yourself stays in force as long as you pay the premiums, no matter who you drive for.
What life insurance options do owner-operators have?
Owner-operators usually buy their own policy, since there's no employer plan. Common choices are term life, which covers a set number of years, and permanent life, which lasts your whole life and can build cash value. Some owner-operators also size coverage to help pay off a truck note or other business debts.
Does sleep apnea affect life insurance for truckers?
It can, but it isn't automatically a deal-breaker. Insurers usually ask when it was diagnosed, how severe it is and whether it's treated, such as regular CPAP use. Well-managed sleep apnea is generally viewed more favorably than untreated sleep apnea. An agent can point you to insurers that may be a fit.
Does hauling hazmat change my life insurance?
It might. Some applications ask about hazardous occupations or duties, and each insurer decides whether and how that affects your rate, so comparing insurers matters. Answer the application honestly: misstating your job or duties can put a future claim at risk.
What are living benefits?
Living benefits are riders, often called accelerated death benefit riders, that may let you use part of your death benefit while you're alive if you're diagnosed with a qualifying terminal, chronic or critical illness. What qualifies, how much you can access and any cost depend on the policy and your state. Money used early reduces what your beneficiaries receive.
Do I need a medical exam?
Not always. Some policies are issued based on your application answers and records checks, while others require a paramedical exam, which is often done at home or another convenient place. Which path you get depends on the insurer, your age, your health and how much coverage you apply for.
Is this service free, and who will I talk to?
Yes, it's free. We're a matching service, not an insurance company or agency. You answer a few questions about your driving and your goals, and we connect you with a licensed agent who can compare options with you. There's no cost to use the service and no obligation to buy anything.