Life Insurance for Company Drivers.
Employer-provided coverage is usually nowhere near enough — and it disappears the moment you change jobs. Layer affordable private term on top, portable for life.
If you're a company driver, your employer probably provides some basic life insurance — typically 1× annual salary, capped at $50K–$100K. That's a nice benefit, but it's nowhere near enough coverage for most family situations, and it ends the day you change jobs.
The fix is straightforward: a private 20- or 30-year term policy sized to your real protection need. Premium is locked, the policy is fully portable, and it's yours regardless of which fleet you drive for.
Key points for your situation.
Employer coverage is rarely enough
1× salary at $50K–$100K caps doesn't replace 5–10 years of income or pay off a mortgage. Most company drivers need 5–10× more.
Employer coverage isn't portable
Change companies? Your old employer's group coverage ends. Your privately-owned term policy follows you everywhere.
Term life is affordable on a driver's income
Healthy 35-year-old non-smoker can typically secure $500K of 20-year term for $25–$45/month. Less than a streaming bundle.
Underwriting handles trucking fairly with the right carrier
Some carriers don't penalize the trucking lifestyle at all. We'll route you to the right one.
No-exam coverage is a great fit for OTR drivers
Skip the in-home paramed visit. Approval in 24–72 hours. Coverage in force the same day.
Don't drop your group policy
Keep employer coverage as a free baseline. Your private term sits on top — you're stacking, not replacing.
Top questions on this scenario.
How much coverage do I need as a company driver?
Most company drivers land in the $250K–$750K range. Cover mortgage + 5–10 years of income, then size from there. Use our /calculator for a starting estimate.
Can I get coverage if I'm new to trucking?
Yes — your driving record and DOT medical history are what matter, not how long you've been driving. New CDL holders with clean records typically qualify at standard rates.
Should I get whole life instead?
For most company drivers, no. Term gives you maximum coverage for minimum cost. Whole life makes sense for specific legacy or business scenarios — not as a default.
What if I'm switching from owner-operator back to company driving?
Your private term coverage doesn't care — it's portable. Just keep paying the premium and the coverage continues regardless of how you drive.
Start with the free Will Kit. No pressure, no obligation.
We'll mail your kit, then schedule a 15-minute review whenever you're ready.