Answers That Keep You Moving.
Quick, clear answers for OTR, regional, and local drivers — from no-exam options to coverage amounts and timing.
Frequently Asked Questions
Quick answers for real driver scenarios
If you don’t see your question, call us or start a quote — we’ll point you to the best option for your route and budget.
Do I need a medical exam?
Many drivers qualify for simplified/no-exam options depending on age, health, state, and coverage amount. We’ll show both exam and no-exam choices so you can compare price and speed.
Will my CDL impact eligibility?
Your CDL doesn’t automatically raise rates. Underwriting typically looks at age, health, tobacco use, coverage amount, and sometimes driving/occupation details.
How fast can I get covered?
Some carriers can approve quickly (sometimes same-day for certain amounts), while others take days or weeks. Timing depends on coverage amount, health history, and whether additional records are needed.
What’s the difference between Term, Final Expense, and IUL?
Term: bigger coverage for 10–30 years (great for income/mortgage protection).
Final Expense: smaller permanent coverage for funeral/immediate costs.
IUL: permanent coverage with flexibility and potential cash value (caps/floors apply).
How much coverage should a driver carry?
A quick rule is 10–15× annual take-home pay, plus mortgage/loans, minus existing coverage/savings. We’ll help you right-size it to your household and budget.
Still have questions?
Start with a quick quote — we’ll show best-fit options for your route, budget, and timeline.