For anyone in the trades

Roofers • Welders • HVAC • Truckers • Electricians • Linemen • Plumbers • Mechanics • Construction

One bad day on the job can change your family's whole life.

Your hands earn the paycheck. If an injury, an illness, or worse takes you off the job — the paycheck can stop. The bills won't.

There's a family protection plan that covers the funeral, replaces the income, and pays you a lump sum if a serious illness or injury takes you off the job. It's not talked about. Most tradesmen find out about it too late.

And it costs less than you think…especially while you're still young, healthy, and working.

Start the protection quiz

Takes about 60 seconds • Reviewed by a licensed agent • No obligation to buy

The part nobody talks about

The funeral is only the first bill.

Most guys think about coverage as "burial money." But if your paycheck disappeared tomorrow — through a death, a fall, a heart attack, a diagnosis — the first of the month still shows up. And it keeps showing up.

Mortgage / rentStill due

GroceriesStill due

Truck paymentStill due

UtilitiesStill due

The kids' everythingStill due

Your paycheck: gone

That gap — between the bills that keep coming and the paycheck that doesn't — is the real risk. The question isn't "what does a funeral cost." It's how long could your family hold on without you earning?

What most tradesmen are counting on

Nobody plans to leave their family exposed. Most guys just assume one of these has them covered.

"I've got coverage through work"
Work or union coverage usually ends the day you leave the job — the layoff, the new gig, the retirement. The years your family needs it most may be the years it's already gone.
"We've got some savings"
Savings built over years can be spent in months. Ask yourself honestly: how many mortgage payments is it, really?
"People would help — GoFundMe if it came to it"
Passing the hat is not a plan. It's what families do when there wasn't one.
"I'll deal with it later"
Coverage is priced on age and health. Later usually means more expensive — and health can change qualifying overnight. The best day to look was yesterday. The second best is today.
"I just need burial money"
Burial-only thinking covers the event. It doesn't cover the twelve months of bills that follow it.

See where I actually stand

The straight answer

Yes — this is life insurance. Just not the kind you were taught to picture.

Most tradesmen were shown one version: a policy that only matters after you're gone. You may not have been shown the whole picture.

Depending on the policy, the right coverage may help with the mortgage, replacing income, and final expenses — and some options include living benefits, which may allow you to access part of your own benefit while you're alive if a serious illness or injury qualifies.

Some permanent options may also build cash value over time, depending on the policy and how it's structured. Features vary by carrier, and not all applicants qualify — which is exactly why the review is done with a licensed agent, around your trade, your age, your state, your family, and your budget.

Two ways to look at the same thing

"It only matters if I die."

Some policies include living benefits that may pay you if a serious illness or injury keeps you off the job.

"My work coverage is enough."

A policy you own goes where you go. It doesn't disappear with the job.

"It's probably too expensive."

You won't know your number until it's built around your age, health, and budget. For many working people it's less than they assumed — and it's typically cheapest while you're healthiest.

"Insurance is just another bill."

Some permanent options may build cash value over time, depending on the policy. That's a different thing than money that just leaves.

"I'll handle it later."

Later is older, and sometimes less healthy. Both can raise the cost — or change what you qualify for.

What the right policy may help with

⚰️

Final expenses

So nobody's passing a hat to cover the worst week of their life.

🏠

Mortgage protection

Coverage can be sized so the family keeps the house.

💵

Income replacement

Months or years of breathing room while your family finds footing.

🩹

Living benefits

Some policies may pay you if a qualifying illness or injury stops the work.

🧱

Potential cash value

Some permanent options may build value over time, depending on the policy.

🔓

Coverage you own

Separate from your employer. Yours whether you switch jobs or not.

Policy features vary by carrier, state, age, health, and underwriting. Not all applicants qualify. A licensed agent walks you through what applies to you.

Built for people who earn with their hands

RoofersWeldersHVAC Techs TruckersElectriciansLinemen PlumbersMechanicsConstruction LandscapersPipefittersEquipment Operators IronworkersMinersOil & Gas

Questions guys actually ask

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"Is this just funeral coverage?"

No. Final expenses are one piece. Depending on the policy, coverage may also help with the mortgage, income replacement — and living benefits while you're alive, if you qualify.

"I already have coverage through work."

Good — that's a start. The catch is it usually ends when the job does. A policy you own personally stays with you. The review looks at whether your work coverage actually closes the gap.

"Is this expensive?"

It depends on your age, health, state, and the coverage you choose — which is why nobody honest quotes you a number before knowing those. Many working people find it's more affordable than they expected, especially locking it in while healthy.

"What are living benefits?"

Features on some policies that may let you access part of your benefit while alive if a qualifying serious illness or injury hits. For a guy whose body earns the paycheck, that's often the part that matters most.

"I'm not sure what I need."

That's what the review is for. You answer a few questions, a licensed agent looks at your situation, and you see options built around your family and budget. No obligation either way.

60-second protection review

See what protecting your family could look like

Answer a few quick questions. A licensed agent reviews your answers and reaches out to walk through options built around your trade, family, and budget. Not an instant quote — a real review.

Question 1 of 9

Pick an answer to keep going.

What happens after you hit submit

A licensed insurance agent reviews your answers — a person, not a robo-quote.
The review is complimentary and there's no obligation to buy anything.
Options are reviewed around your trade, age, state, family, and budget — not a one-size template.
Everything is explained in plain English. If a term needs a dictionary, the agent's doing it wrong.
Not all applicants qualify, and policy features vary by carrier and state. You'll get straight answers about what applies to you.

The paycheck stops.
The bills don't.
What's the plan?

Sixty seconds now can answer a question your family should never have to figure out on their own.