Short-term coverage: $100 to $200 per month — gap coverage only, not a long-term solution.
Annual ACA deductible (2025 average): $2,789 per individual — higher than employer-sponsored plans ($1,886 average per KFF). Factor this into your total exposure calculation alongside monthly premiums.
Life Insurance for Truck Drivers — What You Pay and Why It Costs More
Truck drivers should carry life insurance for the same reason they carry commercial vehicle insurance: the job carries inherent risk that others in lower-risk professions don’t face.
Insurance carriers classify truck driving as a high-risk occupation. Long hours on highways, exposure to weather-related hazards, elevated rates of chronic health conditions, and statistically higher accident rates all factor into life insurance underwriting. As a result, life insurance for truck drivers typically costs 30% to 50% more than the same coverage for a standard-risk office worker.