Truck driving is an exhausting and sometimes dangerous occupation. But, buying life insurance being a truck driver is not a matter of concern as most life insurance providers approve life insurance on standard terms as most life insurance providers don’t consider truck driving hazardous. Though there can be some issues to obtain life insurance when a truck driving lifestyle has adversely affected your health. If you are looking for truck driver life insurance, you have come to the right place.
What information can be required by the insurer?
Your life insurance provider may ask some important details regarding your work which includes:
- How much experience do you have as a truck driver?
- What are your job responsibilities?
- What qualifications do you have? (heavy vehicle license etc)
- What is the average distance that you travel to?
- Do you have any secondary health conditions?
- Does your work involve overnight trips?
Your current health status and medical history will play an important role!
While processing truck driver life insurance applications, the insurer will take your medical history and current health status into account. If truck driving lifestyle has affected your health, it can have an impact on the cost and the premium of your life insurance policy.
The destination you travel can require additional underwriting!
The countries you travel will also play an important role, if you travel to hazardous countries, additional underwriting can be required and you may get life insurance on non-standard terms which include increased premiums.
For short distance truck drivers, their roles and responsibilities will be analyzed but it will be easier to obtain life insurance as compared to those who are long-haul drivers.
Consult life insurance experts
If you are looking for the right truck driver’s life insurance, get in touch with our life insurance professionals for the right details and guidance.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00