Lineman in high-visibility gear at a worksite at sunrise

Life Insurance for Contractors & Skilled Trades

Protect the life your hard work pays for.

One policy can help protect your family with up to $1 million in coverage or more, provide access to funds if a qualifying illness keeps you off the job, and build tax-advantaged cash value for additional retirement income.

See what you qualify for in your state.

Free request. No obligation to buy.

Answer a few questions. A licensed agent follows up to discuss options and costs.

Coverage and eligibility are subject to underwriting.

What Clients Say

Tradespeople who set up their plan.

★★★★★

Being a lineman, I know there's risk every time I go to work. My biggest concern was making sure my wife and two kids would be protected. The IUL wasn't only about protecting them. It gave me something for myself too.

Tyler H.

Journeyman Lineman · Tennessee

★★★★★

I work every day to provide for my wife and kids, but I never really thought about what would happen to them if something happened to me. Getting my IUL set up gave me a different level of peace of mind.

Marcus T.

Electrician · Texas

★★★★★

I always thought life insurance just paid out when you died. I had no idea a policy could also build cash value while you're alive. Now I'm protecting my family today and putting money toward something I can use later.

Anthony M.

Welder · Ohio

Excerpts from real client testimonials, shared with permission. Individual experiences vary and are not a guarantee of future results, coverage, or eligibility.

What You Get

Why Contractors & Skilled Trades Choose This

Most trades leave you to build your own safety net. Here's what an indexed universal life policy is designed to do about that.

Protect your family if you pass away.

A life insurance death benefit can help your family cover the mortgage, everyday bills, and future plans if you pass away while the policy is in force.

Money if a serious illness takes you off the job.

Living benefit riders can let you access part of your death benefit early after a qualifying serious illness, so money is available when you can't work.

Conditions, limits, and costs vary. Accelerated benefits reduce the remaining death benefit and may reduce cash value. This is not a substitute for disability income insurance.

Grow and protect your money for the future.

Cash value can build over time, with interest linked in part to a market index and a floor that limits index-linked losses.

Growth is not guaranteed. Policy charges, loans, and withdrawals can still reduce cash value, increase lapse risk, and have tax consequences.

Get the facts. Make your decision.

You tell us what matters.

Answer a few quick questions about your priorities and how to reach you.

We review your options.

A licensed agent goes over coverage, costs, and whether an IUL fits your situation.

You choose your next step.

Review the proposed policy and decide whether to apply. There is no obligation to buy.

Straight answers before you apply.

What happens after I request a quote?

A licensed agent follows up to discuss your needs, budget, and options. Submitting the form does not create coverage, guarantee approval, or commit you to buying a policy.

How much does an IUL policy cost?

Cost depends on factors such as age, health, coverage amount, riders, and policy design. Ask for a personalized illustration showing premiums, charges, and guaranteed and non-guaranteed values. The quote request is free. The policy is not.

Can I apply if I’m self-employed or already covered through work?

An individual policy can be separate from employer coverage. Review your existing benefits and discuss any gaps with an agent. Employment status alone does not determine eligibility. Keep existing coverage in place while comparing options.

Does this pay whenever I cannot work?

No. Certain riders may allow early access to part of the death benefit after a qualifying illness. Being unable to work does not automatically qualify you. Ask about disability income insurance if replacing income is your goal.

Can my cash value go down?

Yes. An interest-crediting floor does not eliminate policy charges. Charges, loans, and withdrawals can reduce cash value. Caps and participation rates also affect credited interest. Review the actual policy terms and illustration.

What if I have a health condition?

An agent can explain the underwriting process and discuss available options. Only the insurer can determine eligibility and pricing. Approval is not guaranteed.

You’ve put in the work. Take the next step to help protect it.

Find out how an IUL policy could fit your family and budget. Start with a free quote request.

No obligation to buy. A licensed agent follows up.