Gone three weeks. Home for four days.
The last thing you want to do on home time is sit in an insurance office.
For truck drivers and owner-operators
You haul for everyone. Who’s covering your family?
Company life insurance usually ends the day you leave the carrier. Malcolm Egun sets drivers up with final expense coverage in their own name, all by phone, on your home time.
Malcolm Egun, licensed agentServing drivers who live in MD, NJ, MO, TX, OH · NPN 19097393Built for every kind of driver
- OTR
- Regional
- Local
- Owner-operators
- Team drivers
- Hotshot
Sound familiar?
If any of these are you, this page is for you.
Your only life insurance came with the job.
Switch carriers, get let go, or buy your own truck, and that coverage is usually gone.
Nobody is open when you are off.
You roll in at 2 AM on a Sunday. Malcolm works around your schedule, not the other way around.
Coverage in your name
Your job moves. Your coverage shouldn’t.
Final expense insurance is a smaller whole life policy that can help your family with funeral costs and bills.
It belongs to you, not your employer. Change carriers, buy your own truck, or retire, and the policy stays in place as long as premiums are paid.
Pick a time to talkCompany coverage ends with the job.
Group life through a carrier usually stops when you switch companies or go owner-operator. A policy in your own name stays with you.
Everything happens by phone.
No office visit and nothing to mail. Pick a call time on your home time, a reset, or a layover.
A simple way to apply.
Many final expense options use health questions instead of a medical exam. Requirements vary by insurer, and Malcolm walks you through them.
Built around your home time.
One phone call. No office, no paperwork in the mail.
Pick a time off the road.
Book a call for when you are parked or home. Please never take the call while driving.
Talk it through.
Who you want to protect, what you want covered, and a monthly budget that works.
Decide on your terms.
See real costs and waiting periods. If an option fits, Malcolm helps you apply by phone.
Start here
Leave your info. Malcolm calls when you’re off the clock.
Mention your home time or best hours in the notes and he will work around them.
(443) 351-6995Rather pick the time yourself? Book on Malcolm’s calendar
No obligation to apply and nothing to pay to talk. Malcolm follows up personally, by phone or email.
Questions from drivers
Straight answers.
Something else on your mind? Ask Malcolm directly.
Ask a questionI already have life insurance through my carrier. Do I need more?
Maybe not. Group coverage often ends when you leave that job, and the amount can be small. Malcolm can look at what you have and tell you honestly if a personal policy makes sense.
I am on the road most of the month. Can I still apply?
Yes. The call and the application happen by phone. You need to live in one of the states Malcolm is licensed in: Maryland, New Jersey, Missouri, Texas, or Ohio.
Does driving a truck affect my options?
Each insurer asks its own health and lifestyle questions. Malcolm will tell you which options fit before you apply, so there are no surprises.
Does coverage begin right away?
It depends on the policy. Some include a waiting period or a limited benefit in the first years. Malcolm explains the details before you choose anything.