Truckers Protection Group shield logo Truckers ProtectionGROUP
For CDL drivers · Company and owner-operator

Coverage that works while you're still alive.

An indexed universal life (IUL) policy designed for drivers: living benefits if a serious illness takes you off the road, cash value you can access along the way, and a death benefit that takes care of your family.

  • Goes with you carrier to carrier
  • Living benefits for critical, chronic, terminal illness
  • Cash value you can borrow against

Get your free quote

Enter your ZIP to start. Your free quote comes by phone from an advisor licensed in your state.

About 2 minutes. No exam. Once you send it, a licensed advisor calls you with your quote.

Serving drivers in all 50 states 500+ drivers covered No obligation
The problem with carrier benefits

Company coverage ends with your last paycheck.

Group life through a carrier usually stops the day you leave, and it rarely comes with living benefits or cash value. Owner-operators often have nothing in place at all. An IUL is your policy. It rides with you from carrier to carrier, into your own authority, or off the road entirely.

YoursThe policy belongs to you, not the carrier
3Ways it can pay: death benefit, living benefits, cash value
1 callIs all it takes to get real numbers from a licensed advisor
500+Drivers already covered through our advisors
Living benefits

If you can't drive, the policy can still work for you.

Most policies only pay when you die. An IUL with living benefit riders may let you access a portion of your death benefit early if you're diagnosed with a qualifying illness, while you're still here to use it.

Critical illness

A diagnosis that changes everything

A qualifying critical illness may trigger early access to funds so you can cover bills, truck payments, and lost income while you recover.

Examples carriers commonly list: heart attack, stroke, cancer, kidney failure, major organ transplant.
Chronic illness

When you can't do it on your own anymore

If a chronic condition leaves you unable to perform everyday activities like bathing, dressing, or eating without help, the policy may pay out while you're living.

Typically defined as being unable to perform two or more activities of daily living, or a severe cognitive impairment.
Terminal illness

Time and money when it matters most

A terminal diagnosis may allow you to accelerate a large portion of the death benefit so you and your family can make decisions without financial pressure.

Usually applies when a physician certifies a life expectancy of 12 to 24 months, depending on the carrier.

Living benefit riders are subject to the terms of the specific policy and carrier. Availability, definitions, and payout amounts vary by carrier and state. Accelerating the death benefit reduces the amount paid to your beneficiaries.

Cash value

A policy that builds something you can actually use.

Part of what you pay into an IUL goes toward a cash value account tied to a stock market index, with a floor that protects you from losing that value in a down year. Over time, that's money you can borrow against.

  1. You fund the policy

    Set a monthly amount that fits your budget. Part covers your protection, part goes to cash value.

  2. Cash value grows with a floor

    Growth is credited based on an index like the S&P 500. When the index is up, you're credited up to a cap. When it's down, the floor keeps your cash value from taking the loss.

  3. You access it when you need it

    Take a policy loan or withdrawal for whatever life throws at you, generally without a credit check. Your advisor walks you through how loans and withdrawals affect the policy before you take one.

What drivers use it for

  • Down payment on your own truck
  • Slow freight months and home time between loads
  • Major repairs, tires, and breakdowns
  • Kids' school, a wedding, a family emergency
  • Supplemental income later on when you're ready to slow down

Indexed universal life insurance is a life insurance product, not an investment. Cash value growth is not guaranteed and depends on the policy design, index performance, caps, fees, and how the policy is funded. Loans and withdrawals reduce the cash value and death benefit and may have tax consequences if the policy lapses.

Side by side

Carrier group life vs. your own IUL

Here's how the plan a carrier hands you compares to a policy you own.

What you get
Your IUL
Carrier group plan
Stays with you when you change carriers
Yes. You own it.
Usually ends at your last day
Living benefits for critical, chronic, terminal illness
Available with riders
Rarely included
Builds cash value you can borrow against
Yes, with a floor against index losses
No cash value
You choose the coverage amount
Designed around your family and your debt
Often a flat amount like one year of pay
Works for owner-operators
Yes
Not offered
How it works

Three steps. No pressure.

1

Enter your ZIP

Five seconds. It matches you with an advisor licensed in your state.

2

Answer a few questions

About 2 minutes. Your driving setup, date of birth, and what matters most to you. No exam, no paperwork.

3

Get your quote on one call

A licensed advisor who works with drivers calls you and walks through real numbers. If you like what you hear, they can set it up on that same call. If not, no pressure.

Who this is for

If you hold a CDL, you're in the right place.

Company driversAdd protection that doesn't disappear when you switch carriers.
Owner-operatorsCover the truck note, the family, and yourself with one policy you control.
Lease and 1099 driversNo employer plan? This is how you build one on your own terms.
Team and long-haul driversEverything handled by phone. No office visits, no time off the road.

Not a CDL driver? You're welcome here too. Anyone who can answer a few health questions can apply, and it's the same call with the same licensed advisor.

From drivers we've covered

What drivers are saying.

Running my own truck keeps me busy, so I appreciated how clearly Truckers Protection Group explained everything. They walked me through setting up my IUL, answered my questions, and helped me take an important step toward protecting my family.
Jarrod O.Owner-operator · Texas
My family was the reason I started looking into life insurance. Truckers Protection Group took the time to explain how an IUL works and helped me understand my options. I felt comfortable asking questions and supported throughout the process.
William B.Company driver · Georgia
Between driving and working toward owning my truck, I had a lot on my plate. Truckers Protection Group made the IUL setup process easy to follow. They listened to what mattered to me and helped me plan for my family's protection.
Juan Q.Lease-purchase driver · Florida

Real clients, shared with their permission. Names shortened for privacy.

Common questions

Straight answers.

Do owner-operators qualify?
Yes. Owner-operators and lease-purchase drivers are exactly who this was built for, because there's no employer plan to fall back on. Your quote is based on you, not your carrier.
I'm not a truck driver. Can I still get a quote?
Yes. We focus on drivers because that's who we work with most, but the policy itself is for anyone who wants coverage they own. Answer the same questions and a licensed advisor will call you the same way.
I'm a company driver with benefits. Why would I need this?
Carrier group life is a good start, but it's usually a flat amount, it rarely includes living benefits or cash value, and it ends when you leave. An IUL adds coverage you own and keep, no matter where you drive next.
Do I need a medical exam?
Not to get started. Many drivers qualify for policies that use a phone interview and health questions instead of an exam. Your advisor will tell you which carriers fit your situation.
What does it cost?
It depends on your age, health, the coverage amount, and how the policy is designed. Most drivers pick a monthly amount that fits their budget and the policy is built around it. You'll see real numbers before you decide anything.
What happens if I switch carriers or go independent?
Nothing changes. The policy is in your name, billed to you, and stays in force as long as you keep it funded. It goes wherever you go.
Is this an investment?
No. An IUL is life insurance. The cash value account is a feature of the policy, and its growth is tied to an index with a floor and a cap. It's not a securities product and it's not a substitute for one.
How soon will I get the call?
Usually within the hour during the day. Requests that come in late at night get the first call the next morning. The call may come from a number you don't recognize, so please pick up.
Do I have to buy anything on the call?
No. The call is to show you real numbers. If it fits, your advisor can set the policy up right then over the phone. If it doesn't, you hang up with the information and no obligation.
Who will contact me?
A licensed advisor from Truckers Protection Group who works with CDL drivers will call you. Policies are set up entirely over the phone, so there's nothing to visit and nothing to print. If you miss the call, your advisor will try again.
Ready when you are

Get your free IUL quote.

Answer a few quick questions and a licensed advisor who works with drivers will call to go over your options. No exam. No obligation.