Pay annually when offered. Monthly installment fees on individual health insurance policies add 5% to 8% in processing costs annually. If your cash flow allows it, paying your annual premium upfront eliminates those fees.
Apply for life insurance while you are still healthy. Every year you wait to buy life insurance as a truck driver, your age classification worsens and any health conditions that emerge further reduce your rating category. A 35-year-old driver in good health pays dramatically less than a 45-year-old driver with a hypertension diagnosis. Buy term life insurance now, not after the next DOT physical flags a problem.