Life Insurance Built for
Truckers Who Keep
America Moving
Owner-operators and CDL drivers carry more risk than most. Irregular income, time away from home, and no company benefits mean your family needs a plan that works as hard as you do. We get it because we've been in the cab.
The Reality of the Road
You Don't Have the Safety Net Most Workers Do
When you are an owner-operator or independent CDL driver, there is no HR department handing you a benefits package. No company life insurance. No 401k match. No short-term disability if you are off the road for a few weeks.
That gap is not a small thing. If something happens to you, your family does not just lose you. They lose the income, the truck payments, the insurance, and everything that depends on you running.
We help trucking families close that gap with term life insurance for income protection and whole life strategies that build wealth even when the miles are inconsistent.
Owner-Operators
Your rig is your livelihood. Your life insurance should protect the family and income behind it.
CDL Drivers
Company drivers often have minimal coverage. We help you understand what you actually have and what you need.
Trucking Families
Teresa works directly with truckers wives and families to make sure everyone understands the plan.
Hotshot Operators
Irregular income and high risk work require flexible strategies. We know the hotshot world firsthand.
From the Cab to the Insurance Industry
Dustin Neighbors spent years as an owner-operator running a hotshot rig — a 2021 Ram with a gooseneck flatbed. He knows what it means to build a business around a truck, manage inconsistent income, and try to protect a family while doing it.
When he transitioned into insurance alongside his wife Teresa, he brought that firsthand understanding with him. He is not selling you something he read about in a textbook. He has lived the same financial uncertainty that comes with owning and operating your own equipment.
That perspective shapes how Neighbors Helps serves trucking clients. Straight talk, real strategies, and no pressure.
Dustin Neighbors — Licensed in CA and TX (NPN: 21352114)
Protection Strategies
Two Strategies That Make Sense for Truckers
We focus on what actually fits irregular income, high-risk work, and the long game of building a future in the trucking industry.
Term Life Insurance
The most affordable way to protect your family's income if something happens to you. A term life policy pays a tax-free benefit during the coverage period so your family can cover the mortgage, truck payments, and daily expenses without the income you provide.
- Coverage periods of 10, 20, or 30 years
- Tax-free death benefit to your family
- Most affordable type of life insurance
- Living benefits available on some policies
- Portable coverage that goes wherever you haul
Participating Whole Life & The Debt Action Plan
No company 401k? No pension? This strategy uses a participating whole life policy to build a financial asset you own and control. The Debt Action Plan is Teresa's specialty — it uses the policy to eliminate debt faster while building guaranteed cash value that grows every year.
- Permanent coverage that never expires
- Guaranteed cash value growth every year
- Up to 90% liquidity via tax-free policy loans
- Earns annual dividends from the insurance company
- Strategy to eliminate debt while building wealth
For the Family at Home
Teresa Talks Directly to Truckers Wives
Teresa Neighbors creates content specifically for truckers wives and families under a Truckers Wife persona on TikTok and social media. She understands what it means to be the one at home managing everything while your partner is on the road.
Her approach is peer to peer — real conversations about real financial concerns from someone living the same life. Not a sales pitch, just education from someone who gets it.
Teresa Neighbors — Licensed in CA, NV, TX, MO, FL (NPN: 21313493)
Understanding the Plan
Teresa makes sure the whole family understands what coverage is in place and how it works — not just the driver.
Debt Action Plan
Her signature strategy helps trucking families build wealth and eliminate debt using a participating whole life policy.
TikTok Education
Follow Teresa for peer to peer financial education built around the trucking family lifestyle.
Remote & Flexible
All appointments by phone or Zoom. No office visit. Works around your schedule, not ours.
Common Questions
Life Insurance Questions from Trucking Families
Can owner-operators and CDL drivers get life insurance in California?
Yes. Life insurance is available to owner-operators, hotshot truckers, and CDL drivers in California and across the country. Most carriers do not consider trucking a disqualifying occupation for term life insurance. Dustin Neighbors is a licensed independent agent in CA and TX who specializes in serving the trucking community.
How much life insurance does a truck driver need?
A general starting point is 10 to 12 times your annual income, but for owner-operators it is worth factoring in truck payments, business debt, mortgage, and the cost of replacing your income for your family. We help you run through those numbers in a no-pressure conversation.
What is the Debt Action Plan and how does it work for truckers?
The Debt Action Plan is a strategy Teresa Neighbors developed using a participating whole life policy to help clients eliminate debt faster while building a financial asset. For trucking families with truck payments, equipment loans, and variable income, the strategy can help accelerate debt payoff while building guaranteed cash value that grows every year.
Do you serve truck drivers outside of California?
Yes. Dustin is licensed in California and Texas. Teresa is licensed in California, Nevada, Texas, Missouri, and Florida. We serve clients remotely by phone and Zoom so your location on the road is never a barrier.
How do I get started?
Chat with Gideon, our AI assistant, at neighborshelps.com/get-started. Gideon can answer your questions about term life and whole life strategies for truckers and connect you with Dustin or Teresa for a free call. Or book directly with Dustin using the button at the top of this page.
Ready to Protect Your Family and Your Future?
You keep America moving. Let us help make sure your family is covered no matter what. Start with Gideon for instant answers or book directly with Dustin for a straight talk conversation from someone who has been in the cab.
Serving Trucking Families in Yuba City and Northern California
Neighbors Helps is a licensed independent insurance agency based in Yuba City, California. We serve owner-operators, CDL drivers, hotshot truckers, and their families in Yuba City, Marysville, Live Oak, Gridley, Chico, Sacramento, and surrounding Sutter County and Yuba County communities.
We also serve trucking families remotely across California, Nevada, Texas, Missouri, and Florida. All appointments are by phone or Zoom. Call us at (530) 966-4487 or email [email protected].
Neighbors Helps