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The smartest way to retire off the road, starting while you still drive.

Protect your trucking family and build tax-advantaged cash value at the same time with an Indexed Universal Life policy designed around a driver's income.

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60 secTo check your options
30+A-rated carriers compared
$0Cost to check
All 50States covered
Couple reviewing their coverage together at the kitchen table

Financial Security

More than a life policy. A financial tool that works while you drive.

Trucking gives you the income. It rarely gives you the 401(k), the pension, or the benefits package. An IUL policy is how drivers build all three protections into one plan: a permanent payout for your family, cash value that grows tax-advantaged while you drive, and money you can reach when life happens.

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Why drivers choose IUL

Family playing in the backyard with a toy semi truck

Tax-Advantaged Retirement

Cash value grows tax-advantaged, and money accessed properly through policy loans can come out without a tax bill, on your schedule, not the market's.

Driver welcomed home by his family

Living Benefits

A serious diagnosis shouldn't end your finances. Qualifying events such as a heart attack, stroke, or cancer can unlock part of your benefit while you're alive.

Driver reviewing his policy at his home desk

A Floor When Markets Drop

Index crediting has a 0% floor: in a bad market year your credited value doesn't decrease due to index losses. Policy charges still apply, but crashes don't take your growth backward.

Driver beside his rig at a truck stop

Premiums That Flex With Freight

Good quarter, contribute more. Slow season, dial it back within your policy's limits. Built for 1099 income that doesn't arrive in even paychecks.

View of the open highway from inside a truck cab

On The Road Support

Your plan rides with you, not your carrier.

Company plans end when the job does. A policy you own is portable: switch fleets, go owner-operator, lease on somewhere new, and nothing about your coverage changes. No employer, no dispatcher, no fleet decides your protection, and no medical exam for most drivers.

Check My Options

Sixty seconds tells you exactly what you qualify for.

Answer a few quick questions and a licensed specialist who works with drivers puts your real numbers together. No cost, no pressure, no obligation.

See What I Qualify For

Individual results and coverage vary by state, carrier, age and health.

American Truckers Covered

American Truckers Covered is a marketing brand operated by Innovative Accelerator LLC. We are not an insurance company and not a licensed insurance agency, and we do not sell, solicit, or issue insurance policies. We connect consumers with independent licensed insurance agents, who provide all quotes, advice, and coverage; the current list of licensed agent partners appears in our Privacy Policy. We are not affiliated with any government agency. Products, riders, and availability vary by state, carrier, age, and health class. Indexed universal life insurance cash value grows tax-advantaged; index crediting is subject to caps and participation rates, and a 0% floor means your credited value does not decrease due to market index losses (policy charges still apply). Accessing cash value through policy loans and withdrawals reduces the death benefit and may have tax consequences if the policy lapses. Living-benefit riders pay on qualifying events (such as heart attack, stroke, or cancer) as defined by the policy. Submitting your information does not create a client relationship, and you are under no obligation to speak with or purchase from any agent who contacts you. This is not an offer of coverage; all applications subject to underwriting. Some communications may be assisted by AI. Lifestyle imagery is illustrative.

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