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If Something Happens On the Road...
Who Covers the Costs?

Tax-free cash value · Living benefits · No exam required

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ZIP
TYPE
GOAL
WHO
BUDGET
HEALTH
AGE
CONTACT

Enter your ZIP code to check plan availability in your area.

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How many years of CDL experience do you have?

2 years or less
3–5 years
6–10 years
10+ years

What state do you live in?

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What kind of driver are you?

Company Driver
Owner-Operator
I am not a truck driver

What is your #1 goal?

Protect my loved ones
Make sure your loved ones have financial stability.
Grow my wealth tax-free
Accumulate cash value that grows tax-free.
Take Care of Final Expenses
Ensure funeral costs are covered.
Protect my mortgage and assets
Pay off mortgage, settle debts, cover taxes.

Who depends on you?

My spouse / partner
My children
Multiple people (Spouse + Kids)
Just me

How much could you set aside monthly?

$100 or less
$100 – $150
$150 – $200
$200 – $300
$300+
I'm not sure yet

Any health conditions?

No conditions (Healthy)
Diabetes
High Blood Pressure
Heart condition
Other / Multiple
No medical exam required. Most drivers still qualify, even with pre-existing conditions.

What is your age?

Enter a valid age (18-100)

Almost done — how do we reach you?

Your assigned Field Underwriter will call within 5 minutes.

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FINDING YOUR ADVISOR

We're matching you with a licensed Field Underwriter in your state...

Securing your information Encrypting your responses (256-bit SSL)
Verifying your eligibility Checking your state, age & budget profile
Matching you with a licensed advisor Searching reps licensed in your state
Pulling your advisor's calendar Finding open slots in next 5 days
Koby Hertz, Licensed Life Insurance Agent
Koby Hertz
Your licensed agent
NPN 22101645

I'll be calling you shortly

You can also book a time below

I do the shopping for you. 400 families protected. Every licensed carrier checked for your best rate.

Or just wait by the phone — your choice.

Pick a time that works for you
A truck driver and his wife reviewing their finances at the kitchen table A plan that finally works
Benefit 1 of 3 · Cash Value

Money that builds while you're out there running

Part of every payment builds cash value inside your policy. It can grow over time, tax-deferred, and it's yours — nobody else's. Truck repair? Slow freight season? Down payment on something? You may be able to borrow against it. It's a safety net you can actually reach from the road.

$48,000
Example cash value by year 30
Yr 1Yr 5Yr 10Yr 20Yr 30

This is an example, not a promise. Your actual cash value depends on your carrier, your policy, what you pay in, and how long it's been building. A licensed agent will run your real numbers with you — no guessing.

A truck driver hugging his wife and children goodbye by his truck at dawn No matter what happens out there
Benefit 2 of 3 · Death Benefit

If you don't make it home, they're covered

This is the promise at the center of it all. The people you name receive a tax-free payout, paid straight to them — so the house gets paid, the lights stay on, and your family keeps their footing when they need it most.

Paid tax-freeYour people generally receive the full benefit with no income tax taken out. What you set up is what they get.
Goes to who you chooseYou name who gets it. It skips the long probate wait and goes straight to your family — no courtroom line, no lawyers deciding.
Covers what mattersFinal expenses, the mortgage, the paycheck that stops — so nobody's left holding the bill, and nobody's passing a hat.
Paramedics loading a man into an ambulance Coverage that shows up when you need it
Benefit 3 of 3 · Living Benefits

You don't have to be gone to use it

Here's the part nobody tells you at the fuel desk: if you're ever diagnosed with a qualifying illness, you can access a portion of your coverage while you're still here — to pay for care and keep the bills covered while the truck sits. It shows up for you, not just after you.

Critical illnessA qualifying diagnosis like a heart attack, stroke, or cancer can let you access part of your benefit early — right when the doctor says park it for a while.
Chronic illnessIf the day comes you can't handle everyday things on your own, funds can help cover care — so it doesn't all land on your family's shoulders.
Terminal illnessA terminal diagnosis can give you access to a large share of your benefit, to use however you and yours need.

Living benefit riders, eligibility, and amounts vary by carrier and policy, and some are subject to state availability. Your advisor will confirm exactly what's included for you.

YOU'RE BOOKED!

Your call is confirmed. Now do one quick thing before we talk —

Watch this before your call

A quick 2-minute message from Koby on exactly what to expect — and how to get the most out of your call.

1You'll get a calendar invite plus email & text reminders
2Your licensed Field Underwriter calls you at the time you picked
3Get your personalized IUL quote — no pressure, no obligation
Meet Your Advisor
Koby Hertz, Licensed Life Insurance Agent
Koby Hertz
Licensed Life Insurance Agent
“Protecting what matters most — your family, your future.”

I help truck drivers across the country build tax-free wealth and protect their families with IUL coverage built for life on the road — no medical exam, no pressure, just straight answers. On our call we’ll go through your numbers together and find the plan that actually fits your budget and your miles.

NPN 22101645

Need to reschedule? Use the link in your confirmation email, or call 1-984-372-1591.

Takes 60 seconds · No obligation · No phone call required
Rates increase with age — every month you wait costs you compounding.

WHAT FELLOW DRIVERS SAY

Dramatization. Based on real policyholder experiences. Individual results vary.

WHY TRUCKERS CHOOSE IUL

An Indexed Universal Life (IUL) policy combines life insurance with a cash value account that grows tax-free, tracks the market, and can never go below zero. Your policy belongs to you — not your employer.

Tax-Free Cash Value Growth

Your money tracks the market — up to 10% when it's up, zero loss when it drops. That's the 0% floor. Access it anytime, tax-free.

Living Benefits

Heart attack, stroke, cancer — if you can't drive, your policy pays you cash while you're still alive. Not your family after you're gone. You.

Retirement Income You Control

No employer plan? No 401k penalties. Pull monthly income at any age, tax-free. Your policy belongs to you, not your company.

No Medical Exam · All 50 States

Skip the blood work. Most drivers qualify based on simple health questions. Coverage moves with you regardless of who you haul for.