OTR · Regional · Owner-Operator
Four questions will tell you whether yours does. Start with the first one.
NO EMAIL YET · NO PHONE YET
No mystery, no call center.
The actual coverage ladder we build from, laid out in plain English — before anyone contacts you.
ImmediatelyGrab a slot that fits around your hours. Early, late, or on your 34.
You chooseSame person start to finish. If it's not a fit, they say so and you're done.
At your slotThe three things drivers ask before they'll fill anything out.
No. Your info goes to one licensed Road Guard agent. We don't sell or share leads.
Then this takes ten minutes and tells you what happens to it if you switch jobs — most carrier policies don't follow you.
Doesn't matter for where we start. The first rung has no health questions, no exam, and no occupational restrictions — you can't be turned down for it.
I thought what I had was completely different than what it really was. They found me good coverage — and reviewed my existing policies so I finally understood what I was paying for.
4 QUESTIONS · NO COST · NO OBLIGATION
STILL NO CONTACT INFO REQUIRED
Based on what you told us:
Guaranteed issue from Mutual of Omaha. No health questions, no medical exam, and no occupational restrictions — the clause that gets drivers rated or declined everywhere else simply isn't in this one. Ages 18–70, $50,000 to $500,000.
Guaranteed issue. No health questions, no medical exam, and no occupational restrictions — the clause that gets drivers rated or declined everywhere else simply isn't in this one. Ages 18–70, $50,000 to $500,000.
| Coverage | With ROP | |
|---|---|---|
| Male | $63.44 | $88.82 |
| Female | $35.88 | $50.23 |
You pay in for thirty years. You never file a claim. The money stays with the carrier. The Return of Premium rider changes the ending — keep the policy to year 30 and 100% of what you paid comes back to you.
Rates shown are the carrier's published national figures at the $500,000 face amount; eight states price separately. Nothing returns in years 1–3. The rider is issue ages 18–50 only. Refunds are reduced by any claims paid.
Return percentages are the carrier's published schedule. Nothing returns in years 1–3. The rider is issue ages 18–50 only, and refunds are reduced by any claims paid. Your own rate depends on age, sex, face amount and state.
Which one sounds most like you?
Your agent confirms whether you qualify and what it actually costs. Nothing here is an offer of coverage.
The accidental policy is guaranteed issue, so its rate is a fact we can print. Term, whole life, and IUL all run through underwriting — age, health, and which carrier takes you. Anyone quoting those before they've asked is guessing, and your agent would just have to walk it back.
Fifteen minutes on the phone turns the lane you picked into real figures — what you qualify for, what it costs, and what comes back to you at the end. One licensed agent, start to finish.
ONE AGENT · NOT A CALL CENTER · NO OBLIGATION
Your review is confirmed — we'll reach out either way. But if you'd rather lock in a time that works around your schedule, pick a slot and your agent will call you then.
Drivers who pick a time usually get taken care of first.
Can't find a time? No worries — we've got your info and we'll be in touch.