🚛 For Trucking Company Owners · Up to 500 Drivers

One Call.
Protect Your Fleet,
Protect Yourself.

A single conversation with you — the owner — unlocks wholesale life and disability coverage for every driver on your payroll, plus the business protection your partners and family depend on.

Request Wholesale Quote See All Solutions

Every mile matters.Protect the driver. Protect the family. Protect the business.

Why Fleet Owners Act Now

Avg. trucker life expectancy17 years below the US national average of 78

Most small fleets have in buy-sell fundsA partner death triggers a cash crisis without a plan

44%

Workers say life insurance is criticalOffering it retains & recruits top CDL holders

~$0.10

Per $1,000 group coverage / moOne contract covers your entire workforce

The Problem

What Happens When There's No Plan

Most fleet owners have zero protection in place for the scenarios that can destroy a business overnight — or leave a driver's family with nothing.

🤝

No Partner Buyout Plan

Co-owner dies unexpectedly. His widow now owns 50% of your trucks. You have no cash to buy her out. The business faces litigation or forced liquidation.

🦽

Long-Term Disability

You're hospitalized for 9 months. No disability income. No one funded to run operations. Contracts stall. The fleet you built starts to unravel without you.

🏠

A Driver's Family Loses Their Home

Your best driver — 12 years with you — is killed on I-95. His family had no life insurance. Mortgage defaults in 90 days. You could have prevented it.

📊

Burning Taxable Income Every Year

You're paying top-bracket taxes on profits while competitors use IUL policies to build tax-deferred retirement wealth. Every year without a plan is money lost.

👷

Losing Drivers to Better-Benefits Competitors

CDL holders have options. When another fleet offers life insurance and yours doesn't, the decision is simple. Benefits cost a fraction of driver turnover.

The Reality

Trucking is one of America's most dangerous professions.

Long-haul drivers face concentrated health risks — sleep apnea, obesity, diabetes, cardiovascular disease — plus thousands of hours on the road each year.

61 yrs

Average trucker life expectancy — 17 years below the US average of 78.

10–15×

Recommended coverage multiple. A $70K/year driver needs $700K–$1M. Most have $0.

Talk to Eugene →

Coverage Menu

Every Solution Under One Roof

PFA and National Life Group products structured for fleet owners and their drivers — one broker, wholesale volume pricing.

Owner · Partner🤝

Partner Buy-Sell Agreement

Life-insurance-funded contract ensures tax-free proceeds to buy out a deceased partner's estate — keeping the business intact.

Tax-free death benefit funds the buyout instantly
Stepped-up cost basis for surviving owners
Prevents heirs from inheriting business control
Cross-purchase or entity-redemption structure

Owner · Partner🦽

Disability Buyout Coverage

Funds partner acquisition if an owner becomes totally disabled for 12+ months. Most buy-sell agreements skip this trigger entirely.

Covers the #1 overlooked buyout trigger
12–24 month elimination period options
Works alongside your buy-sell life policy

Owner · C-Suite📈

Tax-Deferred IUL

Indexed Universal Life through PFA and NLG lets owners accumulate wealth tax-deferred, linked to a market index with a 0% floor.

Tax-deferred growth — no cap gains
0% floor in market downturns
Tax-free income in retirement via loans
Living benefits at no extra premium

Owner🏦

Key Person Insurance

Protects the company against the revenue impact of losing a critical non-owner employee — dispatcher, safety director, operations head.

Business is owner and beneficiary
Coverage sized to revenue impact
Stabilizes business during transition

Owner · Estate⚖️

Estate Planning + Whole Life

Permanent whole life builds guaranteed cash value for buyouts, fleet equipment collateral, or tax-efficient legacy transfer to heirs.

Guaranteed cash value growth
Use as collateral for truck financing
Tax-efficient legacy transfer

All Drivers📋

Group Term Life Package

One policy covers your entire fleet — up to 500 drivers. 1–2× annual salary, no medical exam to guaranteed issue limits. ~$0.10 per $1,000/mo.

~$160/mo for $100K coverage across 20 employees
No medical exam to guaranteed issue limit
Proven driver retention and recruitment tool

All Drivers🏠

Mortgage Protection Term

Term life sized to each driver's mortgage balance. If they die, their family keeps the house. 20-year terms aligned to mortgage timelines.

20-year term aligned to mortgage timeline
Supplements employer-paid group term
$500K coverage from ~$34/mo at age 40 (NLG)

Drivers + Managers⚡

Voluntary Supplemental Term

Employees buy additional coverage payroll-deducted at group rates. $50K–$500K election. Zero cost to you as the employer.

Zero cost to employer — fully voluntary
Simplified acceptance up to guaranteed limits
Portable if driver leaves your fleet

All Drivers🩺

Living Benefits + AD&D

NLG and PFA policies include accelerated benefit riders at no extra premium. Access death benefit early during critical, chronic, or terminal illness.

Critical illness — heart attack, cancer, stroke
Chronic illness — 2 of 6 ADLs impaired
2× payout for accidental death (AD&D)

The Wholesale Fleet Model

How one decision creates coverage for everyone

Owner Discovery Call (60 min)

We map your business structure, partner agreements, debt obligations, and driver demographics.

Custom Package Designed

Owner-level protection + group worker coverage, priced at wholesale volume rates through PFA & NLG.

Group Enrollment Day

Digital or on-site enrollment for all drivers. Simplified underwriting in bulk — no disruption to operations.

Policies Issued, One Invoice

All policies bound. Consolidated billing. Annual reviews, driver additions, and claims support handled by Eugene.

The Wholesale Approach

One Relationship. Up to 500 Policies.

A single meeting with you — the decision maker — opens the door to a full fleet package: owner-level business protection plus group life coverage for every driver on your payroll.

One broker of record, one consolidated invoice, one annual review. Your drivers get benefits that matter. You get peace of mind.

Buy-Sell AgreementDisability BuyoutIUL + RetirementKey PersonGroup Term LifeMortgage ProtectionLiving BenefitsAD&D

Start With a Free Call

The Numbers

Why Trucking Fleets Can't Wait

Average trucker life expectancy17 years below the national average. Long hours, sleep apnea, obesity, and road accidents compound risk significantly.

44%

Workers say life insurance is criticalGroup term life is one of the highest-ROI retention tools available to fleet owners — at a fraction of the cost of driver turnover.

10–15×

Recommended coverage multiple of annual incomeA $70K/year driver needs $700K–$1M in coverage. Most company drivers have $0 in personal life insurance.

What most small fleet owners have in a funded buy-sellWithout a funded agreement, a partner's death triggers an immediate cash crisis — loans, litigation, or forced sale.

When the road stops you A wreck. A stroke. A traumatic brain injury. Your family still needs income tomorrow.

// Driver Family Protection

A Wreck or Disability
Shouldn't End
Two Incomes.

Commercial trucking has a fatality rate 5× the national average for all workers. But death isn't the only risk. A serious accident — traumatic brain injury, spinal damage, stroke behind the wheel — can end a driver's career without ending their life.

That's when your family needs income replacement the most, and when most policies do nothing. Our Living Benefits riders pay out on qualifying disabilities and critical illness — not just death — so your spouse and children aren't left waiting for a death benefit that may never come.

Critical injury payout — traumatic brain injury, paralysis, severe burns
Chronic illness benefit — if you can't perform 2 of 6 daily living activities
Disability income replacement while recovering
Mortgage protection term keeps the house regardless of outcome
Death benefit paid 100% tax-free to your family if the worst happens

Every mile you drive is for them Group coverage for your drivers means their families are protected too.

// Group Coverage for Your Drivers

Give Your Drivers
What Their Families
Are Counting On.

Your drivers are building lives — mortgages, kids, aging parents. Most carry zero life insurance because they think they can't afford it or don't qualify. You can change that in a single conversation.

One fleet contract unlocks wholesale group term rates for every driver on your payroll. Coverage starts from roughly $0.10 per $1,000 per month. You choose whether to pay it as a benefit or offer it voluntarily — either way, it costs less than a tank of diesel per driver per year.

Group term life — $50K to $500K per driver, no medical exam required
Voluntary supplemental term — drivers can buy additional coverage
AD&D — accidental death and dismemberment included
Retention tool — benefits packages recruit and keep CDL holders

What happens to your partner's share? Without a funded buy-sell agreement, a partner's death triggers a cash crisis — not a clean transition.

// Buy-Sell & Partnership Protection

Your Partner Dies Monday.
Who Owns the Fleet
by Friday?

Most trucking partnerships have no answer to this question. A co-owner's death forces the surviving partner to either buy out the estate — at a price and on a timeline the estate controls — or share the business with their partner's spouse, children, or creditors.

A life-insurance-funded buy-sell agreement locks in the purchase price, guarantees the funds are available on day one, and lets both partners continue running the business without interference. One policy per partner. Clean transition. No fire sale.

Cross-purchase or entity-purchase structure — we explain both
Death benefit funds the buyout at agreed valuation
Disability buyout rider triggers if a partner becomes permanently disabled — not just death
Key person coverage protects revenue while you replace a critical operator
Policy can be owned by the business entity itself
Locks in insurability today — before health changes the equation

Process

From First Call to Full Fleet Coverage

Owner Discovery Call

60 minutes. We review your business structure, partner agreements, debt obligations, and driver headcount. Free, no obligation.

Custom Package Design

Eugene designs a layered proposal — owner-level protection through PFA & NLG, plus group coverage at wholesale rates.

Group Enrollment

Digital or on-site enrollment day for your drivers. Simplified underwriting in bulk. Minimal disruption to operations.

Protected & Maintained

All policies in force. One invoice. Eugene handles annual reviews, driver additions, and claims support all year.

Fleet Pricing

Fleet Size Drives Your Rate

Larger groups get lower per-person premiums. Pricing anchors below — your final proposal is customized by age mix, health profile, and coverage depth.

Small Fleet

20–99 Drivers

Entry wholesale tier

$160+

per month for $100K group term base coverage

Group term life — guaranteed issue to limit
Voluntary supplemental available
Owner buy-sell + disability structured separately
Digital enrollment — no on-site required
Annual portfolio review included

Get Quote

What Owners Are Saying

★★★★★

"We had 48 drivers and zero life insurance in place. One conversation set up a group term policy and my buy-sell agreement at the same time. Drivers were enrolled in two weeks. That's it."

R. Martinez

Fleet Owner · 52 Drivers

★★★★★

"My business partner had a heart attack at 54. We had a funded buy-sell in place. His family got a fair payout, I kept the company running. Without that policy, we both would have lost everything."

D. Kowalski

Co-Owner · 34 Drivers

★★★★★

"The IUL has been building cash value for three years. I borrow against it tax-free for down payments on new equipment. It's the best financial move I've made since buying my first truck."

C. Washington

Owner · 28 Drivers

One Call.
Protect Your Fleet,
Protect Yourself.