48 hrs

Agent callback guaranteed

For Company Drivers & Owner-Operators

Your Rig Doesn't Stop.Neither Should Their Protection If Something Happens on the Road.No DOT Physical Required.

Trucking is one of the most dangerous jobs in America, but most drivers still qualify for affordable coverage with no medical exam. Plans start under $30/month, and a licensed agent will walk through your options within 48 hours.

← Takes only 45 seconds

What's your age range?

Step 1 of 9, takes about 60 seconds

Age 25–40

Age 41–55

Age 56–70

Age 71+

What's your gender?

Step 2 of 9, insurers rate men and women separately

Life insurance rates are calculated separately for men and women. Every application asks for it.

Male

Female

Do you use tobacco?

Step 3 of 9, affects your rate estimate

Tobacco use affects your rate. Non-tobacco users typically pay 30–50% less per month. Either way, most applicants still qualify.

No tobacco use

Yes, I use tobacco

How's your health these days?

Step 4 of 9, just helps us find the right options for you

Even with conditions common in trucking, like sleep apnea, high blood pressure, or a sedentary lifestyle, most CDL holders still qualify. Most plans require no medical exam, just a couple quick questions.

Excellent

Good

Fair

Managing conditions

How much coverage do you want to leave your family?

Step 5 of 9, covers income replacement + truck payment

Owner-operators often carry truck payments and business debt that most company drivers don't. Most drivers choose $50k–$100k to replace lost income and cover what's owed.

$25,000–$50,000 (covers debt + immediate needs)

$50,000–$100,000 (replaces lost income for your family)

$100,000+ (full protection, truck payment + future expenses)

Who would this coverage go to?

Step 6 of 9, the person your agent will list on the policy

Your beneficiary is who receives the payout. Naming one now saves a step at application time, and you can change it later.

My spouse or partner

My children

Another family member

I haven't decided yet

Do you already have any life insurance?

Step 7 of 9, helps your agent know what you're starting from

Many drivers have a small policy through their carrier or fleet, but it usually doesn't follow you if you switch companies or go independent. Knowing what you already have helps your agent recommend the right amount instead of guessing.

Yes, but not enough

Yes, I think it's enough

No, none at all

When are you looking to get coverage in place?

Step 8 of 9, almost done

This just helps us prioritize getting you a real answer quickly if you need one soon.

As soon as possible

Within the next few months

Just exploring my options

Last step, where should we send your rate?

A licensed agent will reach out within 48 hours with your rate — reviewing it costs nothing and commits you to nothing.

Best time for your agent to reach you?

Morning

Afternoon

Evening

Anytime

By submitting, you agree that Clearpath Quote will match you with one licensed insurance agent, who will contact you by phone, text, or email regarding trucker life insurance coverage — including by automatic telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. Msg & data rates may apply. You may opt out at any time.

You're All Set

Here's what happens next: a licensed agent will review your answers and reach out within 48 hours by phone or text. They'll walk through your actual rate, help you understand how it fits alongside any coverage through your carrier or fleet, and give you as much time as you need to decide. No pressure, no commitment required.

0Drivers protected this month

$29.60Avg monthly cost

94.7%Approval rate

38–46 hrsAvg. time to active coverage

How It Works

Take the 45-Second Quiz

Answer 4 quick questions about your age and health — we only ask for personal info once you're ready to move forward.

A Licensed Agent Calls You

Within 48 hours, a licensed agent walks through your options and gives you your actual rate, plainly and without a sales pitch.

Lock In Coverage: No Exam

Choose the plan that fits and pay your first month — coverage is typically active the same week, with no doctor visit needed.

A weathered, bearded veteran trucker in a checkered flannel shirt, sitting in his truck cab at sunset

Top 10

Trucking is consistently ranked among the most dangerous civilian jobs in the U.S.

"Nobody from the company called. There wasn't one."

He was an owner-operator, just him and the truck, no fleet, no employer group policy. Thirty-one years behind the wheel, and when the heart attack happened at a truck stop outside Amarillo, his wife didn't get a call from HR. She got a call from the shop that had his rig on the hook.

He was 58. Careful, experienced, never missed a DOT physical. It wasn't recklessness. It was just the job catching up to him, the way it does to a lot of drivers his age.

See what coverage would have cost him →

She still had a truck payment coming out of the business account, a mortgage with fifteen years left on it, and no group life certificate to fall back on.

That's the gap this coverage exists to close. Company drivers and owner-operators both, at every age and every mile marker, coverage that stays yours no matter who you're leased to or which company you drive for.

Don't leave your family holding the note. See your rate in 45 seconds →

See What Your Plan Could Cost Before You Commit

Age Range

Tobacco Use

Overall Health

Your Estimated Monthly Cost

$26 – $40/mo

Based on $50k–$100k coverage · Exact rate set by licensed agent

Quotes from top-rated carriers including

Mutual of Omaha

Transamerica

AIG

Foresters

Gerber Life

Americo

Common Questions

Will a DOT physical or health conditions disqualify me?

Most CDL holders still qualify, even with conditions common in the industry like sleep apnea, high blood pressure, or a back injury. This isn't your DOT medical card, most plans require no medical exam at all, just a few health questions. Our agents will match you to the carrier most likely to approve you.

I'm an owner-operator. Is this different than a company driver policy?

Yes, and that's exactly why this exists. Company drivers sometimes get a small group policy through their employer that doesn't follow them if they switch companies. Owner-operators usually have nothing at all. This coverage is yours personally, it stays in place no matter who you're leased to or which company you drive for.

How quickly will an agent reach out?

Within 48 hours. A licensed agent will call or text you with your rate, no pressure, no obligation to purchase anything.

Is this a real insurance company?

Yes. You'll be connected with a licensed insurance agent who shops quotes from A-rated carriers including Mutual of Omaha, Transamerica, and AIG. There's no obligation to purchase anything, and no pressure on the call.

What if I already have some life insurance?

That's common. This coverage is often added alongside a small employer or fleet policy to cover what it doesn't: lost income, a truck payment, or business debt. Your agent can help you identify whether a gap exists and what makes sense to fill it.

How soon does coverage start after I enroll?

For most applicants, coverage is active the same week you enroll. There's no waiting period for accidental death; natural cause coverage typically has a 2-year graded benefit period. Your agent will walk you through the exact terms for whichever carrier approves you.