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Life insurance protects the people and businesses that depend on you. For trucking business owners, owner operators, and fleet owners, life insurance is not just personal planning. It is business continuity, income replacement, debt protection, and long term stability for your family.
Cogo Insurance offers life insurance solutions designed for trucking business owners and their families. We focus only on products that are practical, widely understood, and suitable for long term planning. We sell Term Life, Whole Life, and Indexed Universal Life (IUL). We do not sell VUL, viatical settlements, or annuities.
Trucking income is often tied directly to the owner or a small group of key people. If something happens to the owner, the financial impact can be immediate.
Cogo Insurance helps trucking clients choose coverage that fits their business structure and personal goals.
Covers build-outs, interior improvements, and custom installations made by owners or tenants.
Term Life provides coverage for a specific period of time, such as 10, 20, or 30 years. It is the most affordable option and often used to protect income during working years.
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Whole Life provides permanent coverage with guaranteed premiums and guaranteed cash value growth. It is often used for long term family protection and estate planning.
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Indexed Universal Life combines permanent life insurance with cash value growth tied to market indexes, without direct market exposure.
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Cogo Insurance structures IUL policies conservatively and avoids aggressive assumptions.
insurance can play a role beyond personal protection.
We work with trucking owners, LLC members, and closely held companies to align coverage with ownership and operating agreements.
We understand trucking income, risk, and business structure.
Life insurance should be clear, understandable, and reliable.
It depends on goals. Term is often used for income and loan protection. Whole Life and IUL are used for long term planning and legacy needs.
Yes. Life insurance can fund buy sell agreements, pay debts, and provide cash to keep operations running.
Death benefits are generally paid income tax-free to beneficiaries under current tax law.
Whole Life and IUL policies allow policy loans against accumulated cash value, subject to policy terms.
No. Cogo Insurance focuses only on Term Life, Whole Life, and Indexed Universal Life.
Yes. We review existing policies to confirm they still meet your needs and goals.
