American Trucker Benefits
YOUR COMPLETE BENEFITS PACKAGE
Learn more about how the process works or read answers to common trucker questions.
Coverage designed specifically for the men and women behind the wheel — because you protect America, and we protect you.
See Your Rate in 60 Seconds →Benefit 01
Trucker Income Protection
If an injury or illness keeps you off the road, your income doesn't have to stop. Our disability and income-replacement coverage puts money in your pocket while you recover — so the bills keep getting paid even when you can't drive.
- Monthly disability benefits up to $4,000/month replace your lost income
- Covers injuries AND illness — including occupational hazards unique to trucking
- Benefits begin quickly — no 6-month wait for short-term disability
- Portable coverage that stays with you whether you switch carriers or go owner-op
- No medical exam required to qualify for basic coverage levels
Benefit 02
Trucker Life Insurance Benefits for Your Family
Your family depends on you. If the unthinkable happens, our term and whole life coverage ensures your spouse, kids, and dependents are financially protected — not scrambling to keep the lights on. Leave them a legacy, not a burden.
- Term life coverage from $50,000 up to $500,000 — affordable monthly premiums
- Whole life options build permanent, guaranteed death benefit for your family
- Instant-issue policies — many drivers approved same day, no blood work
- Coverage follows you across all 50 states regardless of where you're hauling
- Accidental death rider available for additional protection on the road
Benefit 03
Critical Illness Lump-Sum for Truckers
A cancer diagnosis, heart attack, or stroke can sideline a trucker overnight — and the bills don't wait for you to recover. Our critical illness coverage pays a tax-free lump sum directly to you, so you can focus on healing without financial panic.
- Lump-sum cash benefit paid directly to you — up to $50,000 upon diagnosis
- Covers cancer, heart attack, stroke, kidney failure, and major organ transplant
- No restrictions on how you spend the benefit — medical bills, mortgage, family expenses
- Truckers face elevated cardiovascular risk — this coverage is built knowing that
- No waiting period after approval — coverage starts immediately
Benefit 04
Build Tax-Free Retirement While You Drive
Most truckers don't have a 401(k) through their employer. An Indexed Universal Life (IUL) policy changes that — building real cash value tied to market index gains with no downside risk. Retire on your own terms, with tax-free income when you're ready to park the rig.
- IUL cash value grows tax-deferred and can be withdrawn tax-free in retirement
- Tied to S&P 500 index performance — gains when the market rises, protected when it falls
- Floor protection means your cash value never decreases due to market losses
- Access your cash value as a loan anytime — for emergencies, truck repairs, or opportunity
- Combines life insurance protection with wealth-building in a single policy
Eligibility
WHO QUALIFIES?
If you hold a commercial driver's license — or ever did — there's a strong chance you qualify for coverage. Here's who we serve:
Side-By-Side Comparison
WITH ATB VS. WITHOUT ATB
See exactly what changes when you have the right coverage in place — versus going unprotected on the road.
| Scenario | With American Trucker Benefits | Without Coverage |
|---|---|---|
| Income if injured & can't drive | ||
| Family protected if you pass away | ||
| Heart attack, cancer, or stroke | ||
| Retirement savings as a trucker | ||
| Coverage across state lines | ||
| Getting approved with pre-existing conditions |