Life insurance and IUL built for linemen
Protect your family with a permanent policy you own, sized to a funeral, the house, and a year of income, that builds cash value while you work and stays in force when the hours do not.
See What I Qualify ForUnion or non-union. Utility, co-op, or contractor. Journeymen, apprentices, and groundmen. Not affiliated with any union, local, or utility.
Family first
Ask your wife what the plan pays if you do not come down. If she has read it, she knows: a plan life benefit is often $30,000, up to $90,000 line of duty, and the union death benefit is $6,250. Good benefits, built for a funeral. Then the house, then groceries next Tuesday. A policy you own fills the gap: a permanent payout for your family, cash value that grows tax-advantaged while you work, and money you can reach if you get hurt and cannot climb.
Figures from published plan documents; benefits vary by plan, local, and employer. Co-op, municipal, and non-signatory linemen are often not covered at all. Bring your own summary and we will read it with you.
See How It Works For YouNobody is knocking the union, the pension, the NEBF, or the 401(k). Keep every bit of it. This sits next to it.
Plan coverage needs 125 hours a month and terminates 31 days after you fall short. The rollback is not an hour bank. A policy you own does not care whose books you are on.
An arc flash, a fall, a diagnosis. Qualifying events such as a heart attack, stroke, or cancer can unlock part of your benefit while you are alive, when a $400-a-week disability check will not cover the truck.
Index crediting has a 0% floor: in a bad market year your credited value does not decrease due to index losses. Policy charges still apply, but crashes do not take your growth backward. We show you the bad decade, not just the good one.
Seven sixteens, double time after ten, per diem on top: one storm rotation can fund a year of the boring thing. Slow spring on the books, dial it back within your policy's limits. Built for hours that never arrive in even paychecks.
Between contractors
Drag up in March. Sit on the books till May. Sign in with a new contractor in Texas by June. A policy you own is portable: union or non-union, utility, co-op, or contractor, nothing about your coverage changes when the job does. No local, no utility, and no contractor decides your family's protection, and there is no medical exam for most linemen.
Check My OptionsAnswer a few quick questions and a licensed agent who works with linemen puts your real numbers together and texts them to you. No cost, no pressure, no obligation, and no calls while you are in the bucket.
See What I Qualify ForIndividual results and coverage vary by state, carrier, age and health.