American Trucker Protection
Attention: CDL Drivers
CDL Drivers 30–60: Build Tax-Free Retirement Income and Protect Your Income If The Wheels Stop Turning. No Medical Exam, 60 Seconds To Check.
Rate locked for life. No needles. 30-day free look — zero risk.
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What is your ZIP code?
We use this to confirm carrier availability in your state.
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LIVE · UPDATING NOW
CDL drivers across America are checking eligibility right now.
5,000+ CDL drivers have already enrolled
Activity feed shows representative recent enrollments. Last names abbreviated for privacy.
Why Smart Truckers Get An IUL Set Up
You Can't Drive Sick. You Can't Get Paid If You Can't Drive. Here's How Smart Truckers Fix That.
Build up to $370,000 tax-free by 65
Linked to market growth with a 0% floor
No medical exam for qualifying CDL drivers
Simplified-issue underwriting
Living benefits if illness takes you off the road
80% of face amount paid to you upfront
Rate locked for life — never increases
Same premium forever, regardless of age
Death benefit your family keeps no matter what
Permanent coverage — not term that expires
How It Works
Simpler Than A Pre-Trip Inspection.
Step 1
Check eligibility free
Six quick questions. Sixty seconds. You'll know on the spot whether you qualify.
Step 2
Quick call with a CDL specialist
A licensed advisor walks you through 2–3 personalized options based on your income. No pressure. No obligation.
Step 3
Lock in your coverage today
If it makes sense, your policy can be issued the same day. Most truckers are covered within 24 hours.
Why Truckers Trust Us
A+
BBB Rating
5,000+
Truckers covered
All 50
States licensed
A-rated
Carriers only
Real Truckers, Real Stories
"I wish I'd known about this 10 years ago."
"Been driving OTR 18 years. Nobody ever told me I could build $150,000 in tax-free retirement income with a small percentage of what I already make. That's the part that got me."
"Two years ago I got diagnosed with a blood clot and was off the road for 11 weeks. No driving, no paycheck. But I'd set this up the year before and was able to pull from my cash value to cover the bills while I was out. My wife never had to pick up a second job. My kids never felt it. I came back to the truck knowing my family was taken care of the whole time I was gone. That's the only reason I tell every driver I know to stop waiting."
"I've had a hundred guys try to sell me something at a truck stop. I picked up this call ready to hang up in 30 seconds. The advisor didn't pitch me once — just walked me through the numbers and told me exactly what I'd have at 65. First time in my life an insurance guy told me to take a few days and think about it before I decided. I signed up that same call."
What Truckers Are Asking
The questions every driver asks before they enroll.
Is this through my company or does it stay with me if I leave?
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It stays with you — period. This has nothing to do with your carrier, your dispatcher, or your employer. You own it. You take it with you whether you switch companies, go owner-op, or get off the road entirely. Nobody can take it away.
Why haven't I heard about this before?
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Because nobody targets truckers with this. Most IUL advisors work with office workers and executives — not CDL drivers. We built this specifically for truckers because the income profile, health profile, and lifestyle are completely different. Most drivers find out about this from another driver who already enrolled.
What if I take blood pressure meds, sleep apnea equipment, or metformin?
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You can still qualify. These are the three most common conditions we see in CDL drivers and we work with carriers who specialize in exactly this health profile. Controlled conditions are treated very differently than uncontrolled ones. Your advisor will tell you straight on the call where you stand — no runaround.
Do I have to get a physical or give blood?
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No. No exam, no needles, no doctor's visit. You answer a few health questions on the call — that's it. Most qualifying CDL drivers are approved the same day without ever leaving their truck.
How much does it actually cost per month?
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It depends on your age, health, and how much you want to contribute. Most truckers we work with put in between 2–5% of their monthly income — the same money they'd spend on a few tanks of fuel. Your advisor will show you the exact numbers on the call with zero obligation to enroll.
Can I get to my money before retirement?
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Yes — and this is what separates an IUL from everything else. Once your cash value builds up, you can borrow against it tax-free for anything — a truck breakdown, a slow season, a family emergency. You're not locked out of your own money. And if you never touch it, it keeps growing and passes to your family tax-free.
How long does the call take and can I do it from the road?
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15 minutes. Most drivers take it parked at a truck stop, a rest area, or their driveway. No paperwork in front of you, no computer needed. Just a phone call. Your advisor walks you through everything and tells you straight if it makes sense for your situation.
What happens if I have a slow month and can't make a payment?
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IULs have built-in flexibility for exactly this reason. If freight slows down or you're off the road temporarily, there are options to reduce or pause contributions without losing your coverage. Your advisor will explain how the flexibility works for your specific plan on the call.
Don't let your family pay the price for something you could lock in today.
Rates go up with every birthday. Health changes can affect eligibility. Takes 60 seconds. You'll know on the spot.
American Trucker Protection is not affiliated with any government agency. Coverage is offered through licensed insurance agents and underwritten by A-rated insurance carriers. Eligibility, coverage amounts, and rates depend on age, health, state of residence, and underwriting. This is a solicitation for insurance.