Coverage for a set number of years. Often used when you have kids at home, a mortgage, a truck loan, or other debts.
- Usually lower starting cost
- Common terms include 10, 20, or 30 years
- Good for high-need years
Operators Advantage
Secure the futurefor the peoplecounting on you.
You put in the miles every day to provide for your family. Make sure they are financially protected no matter what the road brings.
Figuring out life insurance by yourself can feel overwhelming. We make it simple. We help independent drivers review plain‑English options so you can find coverage that may fit your family's needs. Start a short review today, and drive with more peace of mind tomorrow.
Prefer to talk?Call 855-4DRV-BENText
Built for DriversCoverage guidance for life on the road.
Family FirstHelp protect the people who count on you.
Real HelpWe explain your options in plain language (English and Spanish).
Why drivers ask about accidental death benefits
Life on the road has risks you cannot always control. Accidental death benefits can add extra protection if death is caused by a covered accident.
Why drivers ask about accidental death benefits
Life on the road has risks you cannot always control. Accidental death benefits can add extra protection if death is caused by a covered accident.
What is accidental death benefit coverage?Coverage that is designed to pay an extra benefit if death is caused by a covered accident.
Who should ask about it?Drivers with a spouse, kids, truck loan, mortgage, or other debts may want to ask how it works.
Is it the same as regular life insurance?No. Life insurance and accidental death benefits work differently. We can explain how each plan works.
How much coverage do I need?Start with what your family would need for debts, income, final expenses, and time to adjust.
Compare common life insurance options
Permanent life insurance with flexible features and possible cash value growth.
- Lifetime coverage potential
- Flexible premium and death benefit options
- Cash value may grow based on policy terms
Permanent life insurance with fixed premiums and cash value features, based on the policy and carrier.
- Lifetime coverage potential
- Fixed premium structure
- Cash value features may apply
Options that can help protect the people who matter most.
For Your Spouse or Partner
Your spouse or partner may be able to get the same kinds of life coverage you can.
Your spouse or partner may be able to get the same kinds of life coverage you can.
- Term life for lower-cost protection
- Whole life for lifelong coverage
- Indexed universal life for protection plus cash value potential
For Your Kids
We also offer coverage for children, including juvenile whole life or a child term rider added to an adult’s policy.
We also offer coverage for children, including juvenile whole life or a child term rider added to an adult’s policy.
- Juvenile whole life can stay with them as they grow
- Child term may also be available
- Can help you start protection early
What Families Often Want
Most families want simple coverage that helps with bills, daily life, and future plans.
Most families want simple coverage that helps with bills, daily life, and future plans.
- Help with everyday bills
- Help keep plans on track
- Help leave something behind
Why It Matters
Life on the road comes with risks. The right protection keeps you, your income, and your family moving forward.
It can help your family keep up with everyday bills if your paycheck stops.
What this can help with
- Rent or mortgage
- Utilities and groceries
- Car payments
- Everyday expenses
It can help with the house, the truck, or other loans your family may still owe.
What this can help with
- Mortgage balance
- Truck or equipment loans
- Personal loans
- Credit card debt
It can help your spouse or kids keep moving forward, even during a hard time.
What this can help with
- Replace your income
- Cover future living costs
- Help keep plans on track
- Peace of mind for them
It can help with funeral costs and other last expenses so your family is not left scrambling.
What this can help with
- Funeral and burial costs
- Outstanding medical bills
- Other final expenses
- Less stress for your family
Why drivers look at this: your income does a lot of heavy lifting. Life insurance can help protect the people counting on it.
Not sure which one is right for you?We can walk you through the options in a way you understand.
You may be able to offer voluntary life insurance options through payroll deduction. Employees can access coverage when eligible - availability varies by carrier, state, group size, and policy terms.
Voluntary options for your teamDrivers choose if they want coverage
Ready for a life insurance review?
Start with a short review request. We'll help you understand your next step.
Prefer to talk?Call 855-4DRV-BENText