5 Myths About Life Insurance for Truckers—Busted
All right, so let’s bust some myths wide open.
When it comes to life insurance, truckers hear all kinds of nonsense — usually from people who don’t understand how this business or this lifestyle works. So today, I’m breaking down five of the biggest lies I’ve heard out on the road, in truck stops, and even online — and I’m going to show you the truth behind each one.
Because here’s the deal: if you believe these myths, it could cost your family everything.
Myth #1: \”Life Insurance Is Too Expensive\”
Let me show you something — this is the biggest myth in the book. Most drivers think life insurance is going to cost them like a truck payment every month. But the truth is, term life insurance is one of the most affordable protections you can get.
If you’re relatively healthy and under 50, you can lock in a solid term policy for the cost of a couple meals on the road. And it guarantees your family a six-figure payout if something happens to you.
What’s expensive is leaving your family with unpaid debt, a rig they can’t afford, and no way to replace your income.
Myth #2: \”I Don’t Need Life Insurance Because I’m Single\”
Okay now — just because you’re single doesn’t mean you’re not responsible for anything.
What about your truck loan? Credit cards? Funeral costs? Who’s covering that if you don’t make it home?
Even without a spouse or kids, life insurance gives you the dignity of handling your business — without leaving the financial mess behind for your parents, siblings, or whoever ends up sorting it out.
Myth #3: \”I’ve Got Insurance Through Work — I’m Good\”
This one right here gets a lot of drivers caught off guard.
That work policy? It usually disappears the moment you change jobs, retire, or get hurt. And even while you’re working, it’s rarely enough to cover your actual financial responsibilities — let alone replace your income for years.
If you’re a company driver, that benefit might only be $10K to $25K. If you’re an owner-operator or 1099, you probably don’t have any work policy at all.
Bottom line: if your family can’t live off what your work insurance provides, it’s not enough. You need your own policy.
Bonus Protection: Legal Coverage That Rides With You
Having the right life insurance is one thing — but legal protection matters too, especially when you’re out on the road.
Whether it’s a ticket, a contract you need reviewed, or a will you haven’t written yet — you shouldn’t be unprotected. That’s why I recommend this affordable Prepaid Legal plan built with drivers in mind.
👉 Check out the Prepaid Legal Plan for Drivers
Myth #4: \”It’s Too Complicated to Set Up\”
Let me be real with you. Life insurance used to be complicated — but not anymore.
Now, it’s just a matter of answering a few questions, possibly doing a health screening, and picking a plan that fits your needs. A good agent who understands trucking will walk you through the whole thing, one step at a time.
No fine print games. No pressure. No hassle.
And the best part? You don’t even have to leave your cab. We can handle the entire process online or over the phone.
➡️ Learn more at Life Happens – Life Insurance 101
Myth #5: \”It’s Not Urgent — I’ll Do It Later\”
This one hits hardest.
Listen, none of us know how many miles we’ve got left. Accidents happen. Health changes. And once something goes wrong, you might not be able to qualify for coverage anymore.
Getting term life insurance isn’t about planning for death. It’s about protecting your family while you’re still here and healthy. Waiting is gambling with your future — and theirs.
➡️ Check out FMCSA crash & safety stats
Bonus Truth: You Don’t Have to Figure This Out Alone
That’s why I created this guide to help you understand what you really need:
👉 Download the Free Life Insurance Guide for Truckers
It breaks down exactly how much coverage you should have, what to look for, and how to get started.
Want Help Getting It Done?
- ✅ Join the Blast Crew to get checklists, downloads, and tips sent straight to your inbox.
- 📅 Book a Free Zoom Call if you’re ready to stop guessing and get protected the right way.
Let’s kill these myths and build real protection instead. You built the business. Now protect it.
