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.
Portable
Your Policy, Not the Fleet’s
Coverage stays with you from carrier to carrier — and during contract gaps.
Flexible
Match Cash Flow
Choose term, final expense, or IUL and tailor premiums to your route and seasonality.
Fast
Quote 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
Term Life
High coverage, low cost
Protect income, mortgage, and loan obligations during peak earning years.
Budget-friendly
10–30 year terms
No-exam eligible
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Final Expense
Covers immediate needs
Help with funeral costs, medical bills, and travel for family.
Lifelong coverage
Fixed premiums
Quick decisions
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Indexed Universal Life (IUL)
Flexible with growth potential
Build tax-advantaged cash value with index-linked growth (caps & floors apply).
Cash-value
Adjustable
Long-term
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Owner-Operator Use Cases
- 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)