Term life insurance
Level coverage for a set number of years. Often a strong fit for income replacement, a mortgage, children or a truck payment.
Built for America's drivers
Protect the family waiting at home.
Life insurance designed around long hauls, irregular schedules and the people who depend on you. Straight answers from a licensed agent - without the sales pressure.
Owner-operatorsCompany driversSmall fleet owners
49 statesLicensed coverage
No obligationFree quote review
Real agentsDriver-friendly hours
Coverage that fits the route
Your job isn't ordinary. Your protection shouldn't be either.
Truckers spend weeks away from home, work changing schedules and often carry the financial weight of a household or business. We help you compare life insurance options built around those realities.
You get clear explanations, coverage choices at different budgets and a licensed agent who works around your route.
See My OptionsYour quote route3 simple stops
1
Tell us what matters
Share the coverage range and purpose that fit your family.
2
Talk with a licensed agent
We work around driving schedules and explain the options plainly.
3
Choose without pressure
Review pricing and coverage before deciding whether to move forward.
Coverage options
Protection for the road ahead
Whole life insurance
Permanent coverage that can stay in force as long as required premiums are paid, with cash-value features.
Final expense coverage
Coverage intended to help with funeral costs, medical bills and other end-of-life expenses.
Indexed universal life insurance
Permanent life insurance with flexible premium potential and cash value linked in part to a market index, subject to policy caps, floors, charges and other terms. Index performance is not the same as directly investing in the market.
Availability, eligibility, guarantees and pricing vary by product, carrier, state and individual circumstances. Indexed universal life policies involve costs, limitations and lapse risk if they are not adequately funded. Policy illustrations are not guarantees of future performance. Not every product is available in every state.
What your coverage can help protect
Keep the household and the business moving
Life insurance can be structured around the obligations and long-term goals that matter most to you. Benefits and cash value depend on the policy selected and its terms.
Death-benefit proceeds can help surviving family members continue mortgage payments or pay down a home loan.
Coverage can help reduce the risk that loved ones must sell or borrow against the home after a loss of income.
A death benefit can help replace income used for household bills, childcare, education and everyday living expenses.
Coverage may help address truck payments, business debt or transition costs, depending on ownership and policy structure.
Eligible permanent policies may build cash value over time. Growth is affected by premiums, policy charges, interest crediting and withdrawals.
Life insurance can provide funds for beneficiaries and help support longer-term family or business succession goals.
Life insurance is not mortgage insurance, an investment account or a guarantee that every obligation will be paid in full. Loans and withdrawals reduce cash value and death benefits and may cause a policy to lapse or create tax consequences. Consult qualified legal and tax professionals for advice specific to your circumstances.
Why drivers choose us
"I need someone who understands that my office has eighteen wheels."
That's exactly who this process is built for.
Built around your schedule
Connect during a break, after a route or whenever you're safely off the road.
Straight answers
Plain-language explanations of premiums, benefits and tradeoffs.
Family-first planning
Start with who depends on you and what you want protected.
No-pressure review
Requesting information never obligates you to purchase.
Common questions
Before you pull the trigger
Do all policies require a medical exam?
No. Requirements depend on the product, coverage amount and individual circumstances. Your agent will explain what applies before you decide.
How much will coverage cost?
Pricing depends on factors such as age, health, coverage amount and product type. We provide individual options rather than publishing one rate.
Where are you licensed?
Charboneau Advisor LLC is licensed to sell life insurance in every state except New York.
Am I obligated to buy?
No. Requesting a quote is free and creates no obligation to purchase.