--- title: Life Insurance for Truck drivers | Coverfolk url: https://coverfolk.com/jobs/truck-drivers updated: 2026-10-08 --- # Life insurance for truck drivers Truck driving is hard work. You spend long hours on the road. BLS says heavy truck drivers have one of the highest injury rates of any job. [Find my coverage gap](/jobs/truck-drivers/calculator) Updated October 8, 20265 sources[Fact checked](/editorial-standards) **2.2 million**About 2.2 million heavy and tractor trailer truck driver jobs (2,221,200) (2025)[Source: BLS OOH: Heavy and Tractor-trailer Truck Drivers](https://www.bls.gov/ooh/transportation-and-material-moving/heavy-and-tractor-trailer-truck-drivers.htm) **26.8**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm) **7.7x**the average risk at work, based on the BLS rates [### truck drivers coverage calculator Your pay, your loans, your work plan. See the gap in 30 seconds. Open](/jobs/truck-drivers/calculator) [### If you die on the job What workers comp, work plans and Social Security pay, and what they don't. Open](/jobs/truck-drivers/on-the-job-death) ## Why 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. ## Coverage people in this job pick [**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need) ## Sources 1. [BLS OOH: Heavy and Tractor-trailer Truck Drivers](https://www.bls.gov/ooh/transportation-and-material-moving/heavy-and-tractor-trailer-truck-drivers.htm) 2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm) 3. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html) 4. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html) 5. [NAIC: Accelerated Underwriting](https://content.naic.org/insurance-topics/accelerated-underwriting) Other jobs ## We cover a lot of hard jobs [**5.3x** the average risk**Lineworkers**Power line crews who climb for a living.](/jobs/lineworkers)[**14.8x** the average risk**Roofers**One of the riskiest jobs in the country.](/jobs/roofers)[**4.4x** the average risk**Construction**Laborers, helpers and crew leads.](/jobs/construction-workers)[**2.2x** the average risk**Electricians**Union, open shop and self employed.](/jobs/electricians)[**Nurses**Night shifts, travel contracts and staff jobs.](/jobs/nurses)