Indexed Universal Life for Truckers
Flexible, long-term protection with cash value that can grow—so your family and your business stay on track.
Why truckers choose IUL
Downside protection
Your cash value is shielded from market drops while still earning index-linked credits.
Flexible budgeting
Adjust payments within policy limits—handy when loads slow or seasons change.
Tax-advantaged growth
Grow cash value tax-deferred and access it smartly for repairs, gaps, or retirement.
See how IUL can grow
Two quick choices, simple chart. Compare cash value to a basic savings path.
Illustration only. Fixed assumptions for clarity: index avg 6.4% with 9% cap, 0% floor, 100% participation; 5% premium load; 1.25% annual charges; bank/CD 1.7%.
Steady returns and lasting protection
IUL can build a cushion for downtime, big repairs, or future plans—while keeping lifelong coverage in place.
- Tap cash value for repairs or slow seasons (policy rules apply).
- Keep growth tied to an index with protection from market losses.
- Design payments that fit the road life.
Common questions
How does crediting work?
Each year the insurer credits interest based on an index, with a cap and floor and a participation rate. Policy charges apply. That’s how IUL can grow steadily even when markets are choppy.
Can I adjust payments?
Yes—within policy limits. You can increase or reduce payments or use cash value to cover premiums. We’ll show designs that fit your budget and goals.
What can cash value be used for?
Common uses include repairs, downtime, opportunities, and retirement income strategies. Access methods affect taxes—our agents can walk you through options.
Is this available nationwide?
We work with A-rated national carriers. Availability and features vary by state and underwriting.
Ready to see your numbers?
Answer a few questions. We’ll compare carriers and design an IUL that fits road life.
