Top 3 Tips to Lower Your Life Insurance Premiums as a Trucker
If you’re a CDL holder or owner-operator, you already know everything from your DOT physical to your credit score can impact what you pay for life insurance. But let me show you three real-world ways to take control of your premiums—starting today.
1. Keep Your Health in Check—Especially Sleep Apnea
Sleep apnea is one of the top red flags for underwriters reviewing trucking applicants. Why? Because untreated sleep apnea raises the risk of high blood pressure, heart disease, and stroke—all of which raise your premium or even trigger a decline.
So you want to make sure your medical records show you’re being treated (like using a CPAP consistently), and that you’re not ducking DOT follow-ups.
Think about it like this: your CPAP machine might feel like a hassle, but it’s a money-saver in the long run. It proves you’re managing your risk. Underwriters reward that with better pricing.
2. Pay Your Bills on Time (Yes, Really)
Here’s what most folks don’t realize: many life insurance companies check your credit history—not your score, but your payment habits. If you’ve got a track record of missed bills, charge-offs, or collections, you might be seen as a higher risk.
It’s not about judging you—it’s about how predictable your behavior is.
So if you’re cleaning things up financially, that’s not just for your loan officer or factoring company. It’s also helping you get approved for life insurance without overpaying.
3. Bundle Your Coverage (and Save While You’re At It)
If you already have home or auto insurance—and you’re not asking your agent how bundling could help your life insurance—you’re leaving money on the table.
At Primerica, we help you assess your full protection setup, and sometimes referring you to bundle through our partners like Answer Financial can unlock discounts or better pricing opportunities across the board.
🚛 Download this tool:
Get the Home & Auto Insurance Guide
Bottom Line
If you’re healthy, consistent, and organized—those traits don’t just help you on the road. They help your wallet too. And the good news is, it’s never too late to fix the small things that make a big difference.
Need Help Sorting Through It All?
- 📅 Book a free Zoom call and I’ll walk you through your options.
- 🚀 Join the Blast Crew to get money-smart tools, tips, and downloads weekly.
Let’s lower those rates the right way—and keep your family protected no matter what.
