People who work hard.

Pick your job.

TruckLife started with truck drivers, and trucking stays first. Plenty of other people work long hours, around heavy equipment, outdoors or away from home. Each page covers the questions that come with that work. Whether an insurer treats a job differently depends on the insurer, the duties and your health, so a licensed agent checks your situation.

• Truck driversCompany, lease, and independent drivers who want indexed universal life explained in plain language.
• Owner-operatorsOwner-operators with a truck note, a household, and coverage questions that do not fit a company benefits booklet.
• ConstructionJob sites, heavy materials, long seasons. Many construction workers have coverage through a union or employer that may change between jobs.
• ElectriciansUnion, open shop, or your own van. Coverage through the hall or the shop may not be the whole picture.
• LinemenStorm work, travel and long call-outs. Linemen often earn well — which means a family can lean heavily on that income.
• WeldersShop, field or pipeline. Many welders work contract to contract, so personal coverage that follows you can matter.
• OilfieldRotations, remote sites and weeks away. Coverage through a contractor may end when the contract does.
• MinersUnderground and surface miners whose shift benefits may not match the work the family pictures.
• Heavy equipmentOperators run expensive machines on tight schedules. If you own equipment, there may be business debt to plan for too.
• MechanicsDiesel and fleet mechanics keep the trucks rolling. Benefits vary a lot from shop to shop.
• FirefightersDepartment coverage can be valuable; many firefighters still look at what they own personally and what happens after they leave the department.
• EMTs & paramedicsLong shifts and overtime. Check what your agency provides and whether it continues if you change services.
• TransportationBus drivers, rail workers, tow operators and more. The paycheck has a name on it, and the benefits booklet may belong to someone else.
• Other hard jobsDo not see your job listed? If the work is hard on your body or your schedule, the same questions apply.