Why it matters
Driving income often keeps households afloat. If a health event or accident happens, the right policy replaces income and protects the people counting on you every mile.
Options
Term life is the most common fit for drivers who want high coverage at a predictable premium. Permanent coverage can add lifetime protection if you want a smaller policy that stays in place after retirement.
What's Included
- Level term coverage for 10–30 year work spans
- Permanent policies for lifetime protection and stability
- Riders that add accidental death or disability value
How underwriting looks at you
Underwriters review driving history, DOT medicals, and lifestyle factors. Clear records, stable health, and documented treatment plans can improve pricing even if you drive long‑haul routes.
- MVR, CDL status, and recent violations
- DOT physical results, sleep apnea compliance, and BMI
- Hours on the road, cargo type, and travel patterns
Driver scenario
A 42‑year‑old owner‑operator with treated sleep apnea wanted $500k in coverage. By sharing CPAP compliance records and a clean MVR, he qualified for a competitive term rate that protected his spouse and two kids.
Trusted by families like yours
Frequently Asked Questions
Common questions about this coverage option.
Can truck drivers qualify for preferred rates?
Yes. A clean MVR, stable health metrics, and documented treatment plans often keep drivers eligible for preferred classes.
Do DOT medical exams replace an insurance exam?
DOT exams help, but carriers may still require labs or a brief paramedical exam depending on age and coverage amount.
How does sleep apnea affect pricing?
Treatment compliance matters most. CPAP records and stable results can keep rates competitive.
Are owner‑operators underwritten differently?
The process is similar, but carriers may ask about business stability and income consistency.
What about prior tickets or violations?
Minor issues usually aren’t a problem, but recent major violations can limit carrier options.
Is accidental death coverage worth adding?
For some drivers, an accidental death rider can add extra protection at a low cost.
Can I apply if I’m between routes?
Yes. Carriers focus on your recent driving history and overall health, not just your current route.
How fast can I get a quote?
Most drivers receive initial quote ranges the same day after a short intake call.
Does tobacco use disqualify me?
No. Tobacco typically raises premiums, but coverage is still available.
Next steps
Share your route type, CDL class, and coverage target
Review term and permanent options that fit your budget
Submit a short application and schedule any medical requirements
Ready to compare rates?
Get your free, no-obligation quote today.
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Coverage Needs Estimator for Truck Drivers
Estimate life insurance coverage for truck drivers using income, dependents, and debts, then move directly into CDL‑friendly quotes and comparisons nationwide.
Try the ToolReviewed by
Alex Morgan | Licensed Life Insurance Specialist
Alex helps commercial drivers compare coverage while navigating DOT‑specific underwriting details.
Last reviewed: 2026-01-02
Licensing & Disclosures
Coverage varies by carrier and underwriting. Quotes are estimates until approved.
Not available in NY.
Not available in NY.
Information only. This is not financial, legal, or tax advice.