LICENSED · A-RATED CARRIERS ONLY
ONE 15-MIN CALL · ON YOUR CLOCK
FOR OWNER-OPERATORS & CDL DRIVERS

You inspect the rig every morning.Nobody ever ran an inspection on your family's future.

Brakes, tires, lights — you check them because a failure out there is catastrophic. But the day you can't drive, it's not the truck that breaks down. It's the income. This is the 2-minute pre-trip for that: nine checks, then one 15-minute call with a licensed agent who works with drivers.

2 MIN · FREE · NO OBLIGATION
A-RATED CARRIERS ONLY1099-BUILT OWNER-OP FRIENDLY$0 MEDICAL EXAM OPTIONSLIVING BENEFITS PAY WHILE ALIVE
Employer match · pension · 401(k)
$0.00
What the W-2 world gets built for them — and what's waiting for an owner-operator. Nobody is coming to fund your retirement. It gets built on purpose, or it doesn't get built.
The 1099 reality
DOT medical card · time to renewal
24 MO
Your income depends on passing a physical, on a federal schedule, for the rest of your career. One bad reading and the wheels stop. The mortgage doesn't.
FMCSA medical certification
U.S. carriers running ≤ 6 trucks
91%
Trucking is small operators. You're not an employee — you're the business. And the business needs what every business needs: a plan for what happens to the owner.
U.S. trucking industry data

Straight question: if your med card didn't renew next cycle, how many months could your family run on what you've built so far?

FORM LHL-26 · FAMILY & FUTURE DIVISION

The Pre-Trip, Family Edition

Nine checks. Same discipline you run on the rig every morning — pointed at the one thing riding behind you that doesn't have a spare.

Pre-Trip InspectionFAMILY & FUTURE · LONG HAUL LEGACY
FORM LHL-26
REV. 07/2026
Items signed off
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5
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9
ITEM 1 OF 9 — HOME BASE
Where do you park it when you’re home?
Plans, carriers and pricing vary by state — your ZIP tells us what’s available.
Enter a valid 5-digit ZIP code.
Inspected by you · Reviewed by a licensed agent · Nothing signed today
After you sign off — next 3 exits
EXIT 1
A text hits your phone — instantly
From the same number that will call you, with your agent's name and a link to save his contact card. When the call comes, your screen shows a name — not "Unknown Caller" while you're backing into a dock.
→
EXIT 2
One call, on your clock
Early before you roll, or after shutdown — you picked the window. Fifteen minutes, real numbers built on your answers: what it costs, what it protects, where it falls short.
→
EXIT 3
You decide. Or you don't.
No follow-up harassment while you're on a run. If the math works, you'll see it yourself. If it doesn't, we'll be the ones to say so — and you keep the analysis either way.
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READ BEFORE ANY CALL — OURS INCLUDED
FROM THE DESK OF JAKE SULLIVAN
LICENSED AGENT — LONG HAUL LEGACY

I'm going to save you some time, because you can smell a hustle better than most people I work with.

You've seen the guys on YouTube — rented Lambo, rented watch — telling drivers to "be your own bank" and promising "guaranteed double-digit returns, zero risk." You've heard "dump your SEP and move everything over" and "sign tonight, this deal expires at midnight."

None of that will happen on my call. Here's what will:

I'll read you every cost on the policy before anything else. I'll tell you that growth is tied to an index with caps — big market years get capped, crash years get floored. I'll tell you it's a 10-to-20-year commitment and that quitting early is expensive, so if your cash flow can't hold it, don't start it. And if the honest answer for your situation is "keep your money" — that's the answer you'll get, and the call ends there.

What I know that most agents don't: what a lease payment does to a slow month, why your med card is the real retirement date, and why a man who runs his own truck doesn't need a pitch — he needs the fine print read out loud.

Run the pre-trip. Pick your window. I'll do the rest.

Jake Sullivan
Licensed Insurance Agent · NPN #0000000
Calls come from (555) 019-8765 — save it, so you know it's me.
QUESTIONS FROM THE ROAD

Straight answers, no chrome

I'm 1099 with income that swings month to month. Does that kill this? +
No — but it changes how the policy should be structured, and it's exactly why you want an agent who works with drivers. Premium flexibility exists on these policies; Jake will show you how a base-plus-flex structure handles good quarters and slow ones. If your swings are too wide to sustain it, he'll tell you that instead.
My health isn't perfect. Am I wasting my time? +
Probably not. There are no-medical-exam options, and underwriting varies a lot by carrier — that's why we work with multiple A-rated carriers instead of one. Being straight about your health gets you the honest number fastest. What we won't do is promise "everyone qualifies" — that's how drivers end up with junk policies.
Why not just max a SEP-IRA and keep it simple? +
If you're not funding a SEP or Solo 401(k) yet, start there — seriously, the tax deduction is real money. An IUL enters after that: it grows tax-deferred, can be structured for tax-advantaged income later, protects your family from day one, and its living benefits can pay you if serious illness takes you off the road. A SEP does none of the protection part. It's a layer on top, not a versus.
What are "living benefits," in plain English? +
Riders that let you access part of your own death benefit while you're alive, if you're hit with a qualifying critical, chronic, or terminal illness. For a driver, that's the scenario that actually matters: the one where you're alive but can't hold a medical card. Terms vary by carrier and state — Jake shows you the actual definitions, not the brochure version.
Who exactly is calling me? +
Jake — the licensed agent whose name, license number (NPN), and phone number are on this page and on the text you'll get right after submitting. One professional, identified, calling in the window you picked. Not a call center reading a script.

You fix it before it breaks.
That's the whole job. This is no different.

Coverage is priced on age and health — the version of you rolling today qualifies for better numbers than the version of you next year. Same math as every part on the truck: cheaper before it's urgent.

2 MIN · FREE · THE CALL HAPPENS ON YOUR SCHEDULE, NOT OURS