How we are paid

In one paragraph

When a driver buys a policy through TruckersProtect, the insurance company pays North Life Group LLC, our agency, a commission. You pay the insurer's premium and nothing on top. If you decide not to buy, we earn nothing for the call, the comparison or the time.

Who never pays us

• Motor carriers, lease companies, OOIDA, unions and legal plan companies. We have no deal with any of them.
• You. There is no fee for a quote, a comparison or help with an application.
• Advertisers. No company pays to appear, rank or be left out of a guide.

Where the conflict sits

A commission usually grows with the premium. A larger policy pays an agent more, and some kinds of policy pay far more than others. Permanent policies such as indexed universal life typically pay an agent several times what a term policy pays, which is one reason drivers hear so many IUL pitches. Commission rates also differ between insurers. Every agent, us included, has a reason to sell more or to favor one company.

What we do about it

• We size cover from your own numbers and show the arithmetic. The calculator on our home page does it in front of you.
• We start drivers with term life unless there is a clear reason for something else, and we say why when there is.
• We say so when the cover you already have, or a cheaper plan, does the job.
• We write about plans we do not sell, such as association accident plans and legal plans, with the same care as plans we do.

Ask us directly

On any call, ask the agent how they are paid on the policy they suggest and what the same death benefit costs as term. You can also call (305) 699-5857 with that question at any time.