American Trucker Protection
Attention: CDL Drivers
If the Wheels Stop, Your Income Doesn't Have To.
CDL Drivers 30–60 — Build tax-free retirement income and stay protected. No medical exam. 60 seconds.
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CDL Drivers Across America Are Checking Eligibility Right Now.
5,752 CDL drivers have already enrolled
Activity feed shows representative recent enrollments. Last names abbreviated for privacy.
The Retirement Gap
Every Mile You Drive Is Building Someone's Future. Make Sure It's Yours.
Company Drivers
Only 42–45% of company drivers report their employer offers any retirement plan.
Carriers that offer 401(k)s typically match just 50% of the first 6% of your contribution.
Even when a 401(k) is available, many drivers never enroll — relying solely on Social Security or personal savings.
Owner-Operators & Independent Contractors
No access to employer-sponsored 401(k)s — you're a 1099, you're on your own.
Options like Solo 401(k)s and SEP IRAs exist, but require you to set them up and fund them yourself with no employer match.
Most owner-operators have no retirement plan at all — which is exactly why an IUL built for truckers changes everything.
Most Truckers Think They Have a Retirement Plan.
They Have a Gap.
They Have a Gap.
Average CDL Driver
Retirement Savings at 65
Retirement Savings at 65
$0
IUL Cash Value
Built Over 30 Years
Built Over 30 Years
$370K
That's a gap of more than $370,000 — and it falls on your spouse, your kids, or whoever picks up the pieces. This plan was built so that doesn't happen to your family.
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.
Your rate locks in today — never goes up
Age and health only hurt you if you wait
Coverage that rides with you, not your company
No employer needed. You own it forever
Pull cash tax-free if freight slows down
Use your policy's cash value in a slow season or breakdown
Get paid if a diagnosis keeps you off the road
Living benefits pay you while you're still alive
Guaranteed death benefit for your family
Not term. Not group. Yours permanently
Why Truckers Trust Us
A+
BBB Rating
5,000+
Truckers covered
All 50
States licensed
A-rated
Carriers only
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.
Real Truckers, Real Stories
The Drivers Who Did It Don't Look Back.
"18 years OTR and nobody ever mentioned this. Running all 48 states and I got nothing to show for retirement. This thing builds cash while I drive. Should've done it 10 years ago."
"Got a blood clot. Off the road 11 weeks. No miles, no paycheck. Had this set up the year before. Pulled from my cash value and kept the lights on. Wife didn't have to get a second job. Kids didn't feel a thing. Every driver I meet, I tell 'em stop waiting."
"Figured it was another sales pitch. Picked up ready to hang up. Guy never pushed once. Just laid out the numbers, told me exactly what I'd have at 65. First insurance guy who told me to think about it before I signed. 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.