Owner-operators
You are the business. Protect it like one.
No group plan, no HR department, no safety net but the one you build. Coverage for independents has to handle the truck note, the household and the downtime.
What independents usually need covered
The equipment note
A death benefit sized to pay off or continue the truck and trailer payments instead of forcing a fire-sale.
Business continuation
Cash for your family to wind the business down cleanly, or keep the authority running with a hired driver.
Downtime protection
Living benefit riders that can pay you during a qualifying illness or injury, when the truck isn't moving.
Retirement you control
No 401(k) match when you're your own boss. Cash-value designs can build tax-advantaged income you direct.
Rough coverage math
A licensed agent will run real numbers, but most owner-operators start here:
- Remaining equipment and business debt
- Mortgage or rent balance
- 10-15 years of household income replacement
- Final expenses (commonly $10k-$15k)
- Minus current portable coverage and liquid savings
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