Support While You’re Living
If a qualifying serious illness interrupts your life, living benefits may let you access part of your life insurance benefit early to help with bills or care.
For the drivers who keep America moving
You drive for a living.Let your coverage do more.
Life on the road takes planning. Explore life insurance that could help during a serious illness, build cash value for the future, and protect the people waiting at home.
Owner-operator or company driver. Start with a conversation, not a commitment.
For life beyond the highwayYour miles matter.
So does what comes next.
So does what comes next.
Living benefits
Potential help with bills when a qualifying illness puts life on pause.
Cash-value potential
Build long-term options beyond your next load or paycheck.
Process
Simple. Fast. Built for Drivers.
No agent visits. No paperwork mailed to your house. Everything happens online or by phone — on your schedule.
1
Fill Out the Form
Answer 12 quick questions about your driving and retirement goals. Takes about 60 seconds.
2
Get Your Custom Quote
We'll match you with plans available in your state and send you a personalized illustration.
3
Get Covered
Apply online or by phone. Most CDL holders get approved within 2 weeks. No medical exam for many plans.
Living BenefitsPotential support during a qualifying illness
Cash ValueLong-term growth potential beyond the paycheck
Family FirstProtection for the people back home
Your RoadExplore coverage that fits your goals and budget
Why IUL
More Than a Payout Someday.
Cash Value. More Options.
An IUL can build cash value over time, giving you another potential resource for a future need, a business opportunity, or life after driving.
Protection for Your People
Help your family cover the mortgage, everyday expenses, and the road ahead with a death benefit if you pass away while covered.
Living benefits depend on qualifying conditions and policy terms. Cash value is subject to costs and crediting limits; loans and early benefits reduce coverage and can create tax or lapse risks.
Read the IUL research guideExplore Mutual of Omaha, Transamerica, and Ethos / North American. No form required.
Tax-Advantaged Growth
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- Tax-Advantaged Growth
- Market Downturn Protection
- CDL Holder Plans
- Flexible Premiums
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Secure & Confidential
IUL policies are not direct market investments. Interest credited is linked to index performance but subject to caps. Policy fees and charges apply. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Reviews
What Truckers Are Saying
"I was putting $800/month into my 401(k) and losing money in down years. Switched to an IUL and my cash value has never dropped — only gone up. Wish I'd known about this 10 years ago."
— James D.Owner-Operator, 14 years driving"No contribution limits is huge for me. I run hard and save hard. Being able to access my money tax-free in retirement without IRS penalties is a game changer."
— Robert M.Flatbed Hauler, 8 years driving"My agent walked me through everything in 20 minutes. Got approved in two weeks. The living benefits gave me peace of mind knowing my family is covered if something happens."
— Marcus T.Tanker Driver, 11 years drivingCompare
IUL vs. Traditional Retirement
| Feature | With IUL | Without IUL |
|---|---|---|
| Tax on withdrawals | No (tax-free loans) | Yes (ordinary income tax) |
| Contribution limits | None | $23,000/yr (401k) |
| Market loss risk | No (0% floor) | Yes (can lose money) |
| Death benefit | Yes (paid to family) | No |
| Living benefits | Yes (early access) | No |
| Market-linked growth | Yes (capped upside) | Yes (full upside, full downside) |
Tax on withdrawals
With IULNo (tax-free loans)
Without IULYes (ordinary income tax)
Contribution limits
With IULNone
Without IUL$23,000/yr (401k)
Market loss risk
With IULNo (0% floor)
Without IULYes (can lose money)
Death benefit
With IULYes (paid to family)
Without IULNo
Living benefits
With IULYes (early access)
Without IULNo
Market-linked growth
With IULYes (capped upside)
Without IULYes (full upside, full downside)
Questions
Frequently Asked Questions
Is IUL better than a 401(k)?
IUL offers tax-free retirement income, no contribution limits, and a 0% floor protecting against market losses. A 401(k) has contribution caps, taxable withdrawals, and full market downside risk. Many truckers use both — IUL for tax-free growth on top of their existing plan.
Do I need a medical exam?
Many CDL holders qualify for no-exam plans up to $500,000 in coverage. For higher coverage amounts, a simplified paramed exam may be required — it takes about 20 minutes and can be done at your home or truck stop.
How fast can I get covered?
Most owner-operators and CDL drivers get approved within 1-2 weeks. No-exam plans can be approved in as little as 48 hours.
What happens if the market crashes?
Your cash value has a 0% floor — it never goes below zero. When the market drops, your account value stays flat. When the market recovers, you participate in the gains up to a cap (typically 12-14%).
Can I access the money before retirement?
Yes. After the first 2-3 years, you can take tax-free policy loans against your cash value for any reason — truck repairs, medical bills, a down payment, or supplementing income between loads.
How much does it cost?
Premiums are flexible — you choose what you can afford, from $100/month and up. There's no required minimum. Your custom quote will show exact numbers based on your age, coverage amount, and health.
Next
Plan for More Than Your Next Load.
Explore living benefits, cash-value potential, and family protection with Aidan. No obligation to buy.
Or call (940) 368-1353
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