Coverage that rides with you — not with the employer.
Life insurance for OTR drivers, owner-operators, and 1099 contractors. We know DOT physicals, irregular schedules, and the reality that your coverage should be yours — not tied to whichever carrier or fleet you drive for this year.
Situations where this fits.
- OTR drivers on the road for extended stretches
- Owner-operators running one or more trucks
- 1099 contractors without employer-provided group life
- Company drivers who want personal coverage on top of any employer plan
- Drivers with well-managed health conditions (sleep apnea, high blood pressure, etc.) who've been quoted unfair rates elsewhere
The plain-English mechanics.
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We start with your health picture, DOT status, and coverage goals — no assumptions.
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We shop carriers that underwrite drivers fairly and offer flexible scheduling for the medical exam (or no-exam options where possible).
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You choose the structure — term, whole life, or a combination — and coverage stays with you regardless of who you're driving for.
Strengths and trade-offs.
Every product has a shape. Here's ours — plainly.
- Portable coverage that isn't affected by changing employers, fleets, or contracts.
- Access to carriers that treat well-managed medical conditions fairly.
- Flexible exam scheduling — home visits or on-route locations available with most carriers.
- Structures that fit irregular income and pay schedules.
- Some carriers apply extra scrutiny to sleep apnea, weight, or blood pressure — carrier selection matters more than for the average applicant.
- Hazardous-cargo drivers may see restrictions or higher rates with certain carriers.
- Employer-provided group life (if any) ends when the employment ends — a reason to also carry personal coverage.
Danny, an OTR owner-operator with two kids at home
Danny runs his own truck, is 1099, and doesn't have any employer-provided coverage. He's 44, in decent shape, and manages sleep apnea with a CPAP. Some agents told him he'd pay top-tier rates. We shop carriers that treat well-managed sleep apnea fairly and land him a 20-year term policy at a standard health class. His family is protected, the policy travels with him regardless of who he's leased to, and the medical exam happens at a truck stop near his home terminal.
Illustrative only. Not a real client. Actual outcomes vary by carrier, health, coverage amount, and state.
Common questions about this product.
Ready to see your options?
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