What Are Life Insurance Riders, and Why Should Truckers Care? If you’re a trucker, you’re probably used to thinking about breakdown coverage, extended warranties, and cargo insurance. But what about your own protection? That’s where life insurance riders come in. Riders are extra layers of coverage you can add to a standard term life policy.

Let’s kill the rumors. These are the five biggest myths truckers believe about life insurance—and the real truths that could protect your family and your business.