Company drivers
Your carrier's benefits are theirs. Your policy should be yours.
Average driver tenure is measured in months, not decades. Every carrier change resets group coverage, and resets it at your new age and health.
Three gaps group coverage leaves
It isn't portable
Group life generally terminates when employment does. Change carriers and you are uninsured until the new plan's waiting period ends.
It's usually too small
One or two times salary rarely covers a mortgage plus years of income replacement for a family.
It builds nothing
Group term has no cash value. Years of payroll deductions leave you with no asset if you never claim.
What drivers do instead
Keep the free group coverage your carrier offers, then own a portable policy underneath it. Because you lock in your rate at today's age and health, the policy follows you from carrier to carrier, into a lease-purchase, or into your own authority without re-qualifying. Many drivers qualify with a few health questions and no medical exam.
Check your options
About one minute. Free policy review, zero obligation, and nobody calls you until you ask.