Most owner-operators have zero employer life insurance. Every mile you drive is how your family eats. Protect that income for under $35/month.
Underwriters care about your blood pressure, BMI, smoking status, and health history — not just your CDL. A healthy, non-smoking trucker in good condition qualifies for competitive rates regardless of miles driven.
DOT-flagged sleep apnea on CPAP therapy is commonly accepted by our carrier network. Active treatment is viewed favorably by underwriters — it signals health awareness and lowers risk from the insurer's perspective.
Your individual policy covers you 24/7 — driving or off the clock. Unlike trucking company group plans that disappear at termination, individual coverage stays with you across every employer, contract, and career change.
Yes. Most CDL drivers qualify for life insurance at standard rates. While commercial driving is a higher-fatality occupation, carriers assess health — not just job title. A healthy non-smoking Texas trucker in his 40s with no major health conditions typically qualifies for standard or preferred rates. Tower Hill compares 30+ carriers to find the best option for your situation.
For most standard road carriers, the CDL class (A, B, or C) has minimal impact on life insurance underwriting. Hazmat endorsement drivers (transporting flammable or toxic cargo) may face a slight occupational rating with some carriers. Specialized heavy haul and oversize load operators are also generally accepted at standard rates through most of our carrier network.
Owner-operators have unique exposure: you're simultaneously the driver, the business, and the sole breadwinner. If you're gone, your family loses your income and your business in one event. Individual term life protects your personal income. We also offer key-person and business continuation coverage for owner-operators with employees or business loans.
Sleep apnea is very common among truck drivers — and many carriers underwrite it favorably when it's being actively treated. If you're on CPAP and compliant with your treatment protocol, most carriers will accept you at standard or slightly rated premiums. Unmanaged sleep apnea is a larger concern — treatment actually improves your eligibility.
No employer relationship is required for individual life insurance — your coverage doesn't depend on your employment status or contract arrangement. Whether you drive for a fleet, lease your truck to a carrier, or operate fully independently, individual policies belong to you personally and remain in force as long as you pay the premium.
Start with your mortgage balance plus 10× your annual income. For an owner-operator netting $75,000/year with a $250K home, that's roughly $1M in coverage. A 20-year term policy at $1M coverage can cost under $60/month for a healthy applicant in their 30s — small relative to what the highway puts at risk every mile.
Get your rate in 2 minutes. No exam required for most applicants. Texas-licensed advisors available anytime.
TX Agency License #2608479TX · A+ and A++ Rated Carriers Only