truck drivers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, driver/sales workers and truck drivers had a fatal injury rate of 26.8 per 100,000 full time workers. The rate for all workers was 3.5. That is more than seven times higher.
If your family counts on your pay, life insurance can help them keep the house and pay the bills. Coverage from a job usually stops when you leave it. A plan you own stays with you.
- About 7 percent of heavy truck drivers are self employed. Owner operators do not get a work plan from an employer, so any life insurance is up to them.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Do you have a CDL, and what class?
- Do you haul hazmat?
- Your driving record, including tickets and crashes
- Long haul or local routes
- Your DOT medical exam status
- Health, age, and tobacco use
Common questions
Can truck drivers get life insurance?
Yes. Your job may affect your price. Insurers look at your job, age, health, and tobacco use.
Does my driving record matter?
It can. Some insurers check motor vehicle records when they decide on a policy.
I am an owner operator. Do I have any coverage now?
Only if you bought it. Self employed drivers do not get a work plan from an employer.
What happens to my work coverage if I switch carriers?
Coverage through a job usually ends when you leave. A policy you own does not depend on your job.
