You carry everything else. Let's cover you.
Owner-operators and company drivers in Arkansas, Missouri and Texas spend weeks away from home with no HR department behind them. I help drivers put life insurance, final expense and retirement income in place from the road, by phone, on your hours.
Coverage that rides with you
Arkansas is home to some of the largest carriers in the country, and drivers make up a meaningful share of the people I work with. Most of them share the same three problems: an owner-operator has no benefits package at all, a company driver's group coverage disappears the day they switch carriers, and almost nobody in the industry retires with a pension.
Life insurance underwriting also treats drivers differently. The DOT physical and the life insurance application ask different questions, and blood pressure, weight, sleep apnea and time behind the wheel all affect the rate you are offered. Because I am independent, I know which carriers rate drivers fairly and which do not, and I quote the ones that do.
Everything I do can happen by phone. Send a photo of your paperwork from the cab, talk to me from a truck stop or on a reset, and I handle the application and the carrier calls while you keep driving. You have my direct number the whole way through.
The decisions that actually move the needle
Coverage that does not end when you switch carriers
Company drivers change carriers often, and group life goes with the old one. A personal policy belongs to you, rides with you to the next job and locks in your health rating today, before the next DOT physical.
Owner-operators with no safety net
If you run your own authority, nobody is providing life insurance, disability coverage or a retirement plan. A term policy with living benefits covers the family if you cannot drive. An annuity funded from good years covers the years after you park the truck.
Underwriting built for drivers
Blood pressure, weight, sleep apnea and tobacco are the four things that move a driver's rate most. Carriers weigh them differently, and I quote the ones that rate drivers fairly. No-exam options exist for many applicants.
Retirement without a pension
Most drivers retire on Social Security plus whatever they saved. A fixed or fixed indexed annuity can turn a lump sum from good years into a monthly check you cannot outlive, with the principal protected from the market.
Final expense and mortgage protection
A small policy so a funeral never lands on your family, and a term policy sized to the mortgage so the house stays theirs. Both are affordable and both take one call.
The four calls I get most from truck drivers
What happens if I cannot drive?
Living benefits, disability riders and what they actually pay, in the contract's own words.
Will my health rate me up?
Sleep apnea, blood pressure and weight are handled differently by every carrier. I quote the ones that treat drivers fairly.
No pension, no plan
Turning a lump sum from good years into a guaranteed check for the years after the truck.
I am never home
Every step happens by phone. A photo of your paperwork from the cab is enough to start.
Four steps, no application in the first one
Call or text from the road
Tell me whether you run your own authority or drive for a carrier, and what coverage you have now, if any.
A few health answers
The same questions the application will ask, so I can quote the carriers that will treat your file fairly.
Real numbers, several carriers
Term, final expense, mortgage protection and annuity options side by side, with the trade-offs written down.
Application by phone and e-signature
I handle the carrier calls while you keep driving. Most policies are e-signed from the cab.
Truck drivers ask these most
Yes, though carriers treat drivers differently. Blood pressure, weight, sleep apnea and tobacco use move a driver's rate more than the job itself, and every carrier weighs them differently. Because I am independent, I quote the carriers that rate drivers fairly rather than the first one on a list. No-exam options exist for many applicants.
No. The DOT physical certifies you to drive. Life insurance underwriting is a separate process with its own questions, and it often relies on prescription history and your application answers rather than an exam at all. If a paramedical exam is required, it is free and can be done wherever you are, including at home on a reset.
At minimum, a term policy with living benefits sized to your family's obligations, a final expense policy so a funeral never becomes a bill, and a plan for retirement that does not assume a pension. If you have a truck note and a mortgage, those two balances are the starting point for the coverage amount.
Group coverage through a carrier is usually one to two times salary and it ends when you leave, which drivers do often. A personal policy belongs to you and follows you to the next carrier with your health rating locked in. I review what your company provides for free and tell you honestly whether you are already set.
Yes. Every step happens by phone or video: the first conversation, the health questions, the quotes and the application, which most carriers e-sign. Send a photo of your paperwork from the cab and I handle the carrier calls while you keep driving. Call or text (501) 516-9456.
Most drivers retire on Social Security plus what they saved, and income in trucking is uneven, so the plan has to work with lump sums from good years. A fixed or fixed indexed annuity can turn those into a monthly check you cannot outlive, with the principal protected from market losses. I show you where that fits alongside Social Security and any other savings.
Yes, if you are a resident of Missouri or Texas, the other two states where I hold an active license. Where the route takes you does not matter. Where you live does, because licensing is state by state. Call and I will confirm yours in the first minute.
The other people I work with
Federal Employees
FERS, TSP, FEGLI and the survivor election, read together before the paperwork deadline instead of after.
For federal employeesHealthcare Professionals
Group coverage that ends with the job, income that depends on your hands, and children whose insurability is worth locking in now.
For healthcare workersTwenty minutes, around your schedule.
Call or text, or pick a time on the calendar. No product is presented, no application is opened, and there is no cost to have the conversation.