Texas CDL Drivers: Are Your Benefits Protected?
Going independent means your employer coverage…
Disappears.
Find out what you qualify for.
What Happens to Your Benefits When You Go Independent?
When you drive for a carrier like JB Hunt, Werner, or Swift, benefits come with the job. Go independent or become an owner-operator, and that coverage disappears on day one.
Many Texas CDL drivers assume they can't get affordable life insurance because of their occupation or driving record. Most can — including drivers with commercial violations on their record.
There are also policies that pay out while you're still alive if a serious illness or injury forces you off the road. And policies that protect your family if an accident occurs.
Find out what you qualify for and what it costs to get covered.
Coverage You Can Obtain as an Independent Driver
Life Insurance
Build a death benefit your family can count on if something happens to you on the road.
Living Benefits
If a serious illness or injury takes you off the road, some policies pay out while you're still alive.
Cash Value Options
Some policy designs build accessible cash value over time that you can borrow against.
Free Download: The Going Independent Checklist
Everything a CDL driver needs to do before rolling their first solo haul — every step, in the right order.
Get the Free Checklist →
See your options as a Texas CDL driver.
Rates are based on your current age and health.
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