Term Life Insurance Built for the Road Ahead.
Secure Your Family’s Future Without Sacrificing Your Time or Budget.
You are the dedicated professional who keeps America moving. While you focus on delivery deadlines and navigating challenging routes, Trusurance focuses on ensuring your family’s financial security is protected—no matter what the road throws at you.
We specialize in providing competitive, hassle-free Term Life Insurance specifically tailored for truck drivers (OTR, Regional, and Owner-Operators). We understand that your CDL shouldn’t mean higher premiums.
Why Term Life is the Right Choice for Truck Drivers
Term life insurance provides straightforward, high-value coverage for a specific period (typically 10, 15, 20, or 30 years). It’s the simplest way to protect your dependents during your prime earning years.
| Feature | The Trucker Advantage |
|---|---|
| Affordability | Term life is significantly more budget-friendly than permanent policies, keeping more money in your pocket for operational costs or family needs. |
| Simplicity | Easy to understand and manage. Once approved, your premiums remain fixed for the duration of the term. |
| High Coverage | Provides substantial financial protection—enough to cover mortgages, college tuition, and replace years of lost income. |
| Quick Approval | We offer expedited processes, including no-medical-exam options, to get you covered faster, minimizing paperwork and time off the road. |
We Understand the Trucking Lifestyle
Standard insurance carriers often penalize drivers due to the perceived risk of the profession. At Trusurance, we partner with underwriters who recognize the professionalism and safety standards within the industry.
Don’t Let Your CDL Increase Your Premium
We look beyond the general statistics. Our specialized underwriting process considers:
- Your Driving Record: A clean driving record can result in excellent rates.
- Health Conditions Common to the Industry: We are equipped to handle applications involving common conditions like sleep apnea (when treated) and treat them fairly.
- Long-Haul vs. Local: We differentiate between risk levels to ensure you are placed in the most favorable rate class possible.
Your time is valuable. Our application process is designed to be completed easily from your phone or tablet—wherever your rig is parked.
What Could Term Life Insurance Mean for Your Family?
If the unthinkable happens, the benefit your family receives is tax-free and can be used immediately for critical needs:
- Income Replacement: Replacing your salary ensures your spouse or dependants maintain their current lifestyle.
- Debt Elimination: Paying off mortgages, vehicle loans (including the note on your rig), and credit cards.
- Educational Funding: Guaranteeing funds are available for your children’s college education.
- Final Expenses: Covering funeral costs, medical bills, and other immediate financial pressures.
Frequently Asked Questions (Truck Drivers)
Q: Does a sleep apnea diagnosis automatically disqualify me?
A: Absolutely not. We understand sleep apnea is common in the industry. As long as the condition is being actively managed and treated (e.g., using a CPAP machine), we can often secure standard or preferred rates. We encourage drivers with managed health conditions to apply.
Q: Can I get coverage if I am an Owner-Operator?
A: Yes. Term life insurance is ideal for owner-operators who rely solely on their business income. Furthermore, we can help you structure your policy to protect your personal family finances separate from your business liabilities.
Q: What is the typical coverage amount for a truck driver?
A: Coverage is highly personalized based on your income, outstanding debts, and number of dependents. For most drivers, we recommend coverage equivalent to 7 to 10 times your annual income to provide a robust safety net.
Ready to Secure Your Family?
Getting a transparent, no-obligation Term Life quote tailored to your professional reality is easy. No high-pressure sales, just clear options.
Get Your Free Quote in Three Simple Steps:
- Click Below: Start our brief, mobile-friendly questionnaire.
- Review Options: Receive personalized Term Life quotes from specialized carriers.
- Speak to an Expert: Connect with a licensed agent who understands the trucking industry to finalize your coverage.
