Independent Coverage for Independent Drivers.
Portable, flexible policies that travel with you — carrier to carrier, W-2 to 1099, contract to contract.
Why It Matters
Coverage That Moves When You Do
As an O/O, you’re your own benefits department. Keep your family protected no matter who you’re leased to — or when you take time off between loads.
Your Policy, Not the Fleet’s
Coverage stays with you from carrier to carrier — and during contract gaps.
Match Cash Flow
Choose term, final expense, or IUL and tailor premiums to your route and seasonality.
From Review to Covered — Quick
No-exam options and e-sign make it easy to apply from the cab.
Popular for O/Os
Plans Owner-Operators Choose Most
Here’s how owner-operators typically structure protection outside of fleet benefits.
High coverage, low cost
Protect income, mortgage, and loan obligations during peak earning years.
Covers immediate needs
Help with funeral costs, medical bills, and travel for family.
Flexible with growth potential
Build tax-advantaged cash value with index-linked growth (caps & floors apply).
- Cover truck loan or lease balance
- Replace income during contract gaps
- Protect family cash flow if something happens on or off duty
- Plan for buy-sell/partner arrangements (advanced)
Coverage that moves with you — carrier to carrier.
Built for owner-operators and independent drivers who need protection that travels with the job.
Not a quote or coverage binding. A licensed agent can review options with you.