FOR CDL DRIVERS & OWNER-OPERATORS

If You Go Down, Who Pays The Bills At Home?

A failed DOT physical or a heart attack can park you for months. One policy protects the family counting on you while you recover — living benefits that may help cover the truck payment and the bills at home — and builds tax-free cash value for the retirement no carrier hands a driver.

Living benefits that may help during a qualifying critical or chronic illness
Tax-free cash value — your own retirement, no pension required
100% free quote — no obligation
Step 1 of 10
Get Your Free Driver's Quote
Licensed agent • NPN 21559949 • Licensed in 49 states
Plans found in your area!
Just a few quick questions to match you with the right coverage.
A little about you
This helps us match you with the right carriers.
✓ Simple process that guides your search for the right policy
A little about your work
This helps us match you with the right carriers.
When were you born?
We use this to match you with accurate rates.
What about retirement?
Trucking doesn't come with a pension — let's see what you've already got.
What's your main goal?
We'll tailor your options around this.
✓ Simple process that guides your search for the right policy
Almost there
How much could you comfortably set aside each month?
Where should we send your quote?
We'll reach out with your personalized options.
By providing your contact information, you agree to our Privacy Policy and Terms & Conditions, and consent to receive calls and texts from Varhue Solutions LLC at the number provided, including via autodialer. Consent is not required to purchase. Msg & data rates may apply. Reply STOP to opt out. See SMS Terms.
Last step — what's your name?
So your agent knows who they're calling.
By clicking "Get My Free Quote", you agree to our Privacy Policy and Terms & Conditions, and consent to receive calls and texts from Varhue Solutions LLC at the number provided, including via autodialer. Consent is not required to purchase. Msg & data rates may apply. Reply STOP to opt out. See SMS Terms.

Your Request Is In — Let's Finish This Now

A licensed agent — call or text now and we'll pull your file.

📞 Call Your Agent Now 💬 Text Your Agent for a Quote
(714) 477-3593
We Shop Policies From A-Rated Carriers
Mutual of Omaha
Transamerica
Americo
Corebridge Financial
American Amicable
Ethos
Royal Neighbors of America
Why CDL Drivers Choose IUL

Built For Drivers Who Can't Afford To Stop

One IUL policy gives you living benefits for time off the road, tax-free cash value for retirement, and a death benefit for your family — money that works whether the wheels are turning or not.

Income If The Wheels Stop

If you're diagnosed with a qualifying critical, chronic, or terminal illness, living benefits may let you access a portion of your policy while you're still here — to help cover the truck payment, fuel, and family bills during recovery.

No Pension? Build Your Own

Trucking doesn't come with a pension. An IUL builds tax-free cash value over time that you control — a retirement plan that travels with you, not your employer.

Protected From Market Crashes (0% Floor)

Your cash value is linked to a market index but protected by a 0% floor. Market losses never reduce your credited value (policy charges still apply). When the index rises, you participate in the gains — no white knuckles.

Tax-Free Access, Your Call

Borrow against your cash value tax-free under current IRS rules — for a down truck, a slow season, or an opportunity. No penalties, no age restrictions, no asking permission.

A Paycheck For Your Family, No Matter What

If the worst happens on the road, the death benefit pays your family tax-free — money to cover the mortgage, keep the kids on track, and give the people waiting at home time to breathe.

FREE IUL GROWTH ESTIMATOR

Build The Retirement Trucking Won't

No 401(k) on the road? Adjust the sliders to see how an IUL's tax-free cash value could grow over your driving years.

Current Age 35
Retirement Age 65
Initial Lump Sum $5,000
Monthly Contribution $500
Illustrated Rate 6%
Estimated Cash Value at Age
65
$0
Total Est. Contributions: $0
Get Exact Quote
*Assumes a 6% illustrated annual rate, before policy costs and insurance charges. For illustration purposes only. Not a guarantee of future performance.
What People Are Saying

What Drivers Are Saying

Real experiences from CDL drivers and owner-operators we've helped protect their income.

★★★★★
"After my heart scare I couldn't pass my DOT physical for four months. Knowing I had something in place for a situation like that changed how I sleep at night."
— Robert M., Owner-Operator, Florida
★★★★★
"I've driven 22 years with no pension to show for it. They set me up with a policy that finally builds something for me, not just the company."
— Dwayne T., Company Driver, Texas
★★★★★
"John laid it out plain — no pressure, no jargon. Took about five minutes on the phone between loads. Wish I'd done it years ago."
— Miguel S., Team Driver, California
Got Questions?

Frequently Asked Questions

Straight answers for drivers about living benefits, income protection, and building wealth on the road.

That's exactly the gap an IUL's living benefits are built for. If you're diagnosed with a qualifying critical, chronic, or terminal illness, you may be able to access a portion of your policy while you're still alive to help cover bills during recovery. Eligibility and amounts depend on the carrier, the diagnosis, and how the policy is structured — we'll walk through the specifics on your call.
Market losses can't reduce your cash value thanks to the 0% floor — though policy charges still apply. When the index goes up, you earn credited interest up to the cap rate. When it goes down, you're simply credited 0% for that period.
No. You can take tax-free policy loans against your cash value at any time, regardless of your age. There are no early withdrawal penalties like you'd find with a 401(k) or traditional IRA.
Yes. IUL is individually owned, so it doesn't matter whether you're a company driver, owner-operator, or leased on 1099 — the policy is yours and goes with you no matter who you haul for. Contributions are flexible, so you can size it around an irregular income. Most drivers start between $300 and $1,000 per month, and a licensed agent will help you find the right amount on your free call.
Yes. Under current IRS rules, policy loans from a properly structured IUL are not considered taxable income as long as the policy remains in force. This is one of the biggest advantages over traditional retirement accounts.
IUL premiums vary based on age, health, and your desired contribution amount. Because IUL is flexible, you can adjust contributions up or down over time. We'll show you personalized options during your free consultation.
Yes. IUL policies can be structured for infinite banking, allowing you to borrow against your cash value, use the funds however you want, and pay yourself back — essentially acting as your own bank while your money continues to grow.
No. Policy loans from a life insurance contract are not taxable events under current IRS rules, provided the policy stays active and does not lapse. This makes IUL one of the most tax-efficient wealth-building vehicles available.
Unlike a 401(k), IUL gains are tax-free and there are no government-imposed contribution limits. Unlike a Roth IRA, there are no income restrictions. IUL also provides a death benefit and living benefits that traditional retirement accounts simply don't offer.
Cap rates set the maximum return your policy can earn in a given crediting period, while participation rates determine what percentage of the index gain is applied to your cash value. Both vary by carrier — we compare these side by side so you get the best available terms.

Protect The People Waiting At Home — Before The Wheels Stop

It only takes a minute to see how one policy could keep your family's bills paid if you're ever off the road — and build the retirement trucking never gave you.

Get My Quote
Get My Free Quote