Built by a lineman, for linemen
Because the line isn't the only thing worth protecting.
You climb so your family has a roof, a truck in the drive, and a future. We make sure that future holds up even on the day you don't come home — with life insurance explained straight, priced honestly, and built around the way linemen actually work.
Top 10
Most dangerous trades in America
1 in 3
Linemen rely only on employer coverage
$0
Cost for a LineGuard coverage review
Our Mission
Educating linemen about life insurance options
Most linemen have never had life insurance explained to them by someone who understands hot sticks, storm calls, and what a 16-hour restoration looks like. So it gets skipped, guessed at, or left to whatever the employer hands out.
LineGuard Alliance exists to change that. We teach linemen and utility workers how life insurance actually works:
- The difference between term and permanent coverage
- What employer and union policies really do
- How hazardous-occupation underwriting is priced
- What portable coverage means when you change jobs
Our mission is simple: help linemen and their families understand their options well enough to make an informed decision. Education comes first, and the decision stays yours.
Why We Started
The two calls that changed everything
Six years on the line will teach you the smell of a hot transformer, the weight of gear at the end of a double, and the quiet of a truck cab at 4 a.m. heading toward somebody else's worst day.
Then there's the other call. A close friend — a good hand, a better dad — didn't make it home. What stays with us isn't the funeral. It's watching his wife sit at a kitchen table three weeks later trying to figure out how much time she had before the money ran out. The answer was months, not years.
A few years after that came another loss, closer to home. Different circumstances, same lesson: grief and paperwork show up together, and nobody is ready to make good decisions in that week.
None of this is here to scare anyone. Fear sells bad policies. It's here because those two moments made one thing clear: the gap isn't courage or income — it's information. Nobody ever sat these families down beforehand and explained the options in words that made sense.
- We talk about coverage before a crisis forces the conversation.
- We explain the numbers in plain language, not policy jargon.
- We welcome spouses and family at the table from the first call.
- We respect the answer 'no' if what you have is already right.
That's the job now. Sit down, explain it honestly, and let the lineman decide.
Why Trust Us
We came up in this trade long before we talked about coverage
We're not outsiders selling to linemen. We spent years on the line, learned the work from the ground up, and stayed close to the brotherhood after stepping off the truck. We've also seen what a loss does to a family and to the crew that carries it. That's the whole reason this exists — so families have information before they ever need it.
Years in the trade
Apprentice through journeyman, distribution work and storm season. We've climbed the poles, run the hot sticks, and worked the long restorations.
We know the risks firsthand
We've stood in the same bucket and read the same job briefings. Nobody has to explain to us what this work asks of a person or a crew.
We've seen the aftermath
We've watched what loss does to a family and to a crew. That's why these conversations happen early, calmly, and with the spouse in the room.
Education first, always
Our job is to make the options clear enough that you can decide for yourself — including deciding that what you already have is right for your family.
Why Life Insurance Matters
It's income replacement, not a lottery ticket
Life insurance does one job: it replaces your paycheck when you can no longer earn it. That's the whole idea. If your family depends on your income, coverage is what keeps the mortgage paid, the kids in the same school, and your spouse out of a forced decision they never wanted to make.
- Employer and union coverage is valuable — it's worth knowing exactly what yours includes.
- A personally owned policy travels with you — new local, new contractor, retirement.
- Term coverage is cheap and simple; permanent coverage builds value you can use while living.
- Rates lock in at the age and health you have today, not the ones you'll have later.
How We Help
Three things we do, and nothing you didn't ask for
Coverage Reviews
We read your union or employer policy line by line and show you exactly what it pays, what it excludes, and what disappears the day you change locals or retire.
Plain Language Guidance
Term, whole life, riders, accidental death clauses — explained the way you'd explain a job briefing. No jargon, no fine-print games, no pressure to buy anything.
Ongoing Support
New baby, new house, new classification, new employer. We check in as your life changes, and if your family ever needs to file a claim, we walk them through it.
From the Brotherhood
What linemen say after the call
I thought my union policy had me covered. Turns out it would've paid my wife about eight months of income. They found me real coverage for less than I spend on energy drinks.
Cody R.
Journeyman Lineman, 9 years
Nobody tried to sell me anything on the first call. He just asked questions and explained what my policy actually did. That's why I called him back.
Marcus T.
Substation Technician
My husband travels for storm work all season. Having this handled means I sleep at night. They talked to both of us, not just him.
Danielle P.
Lineman's wife, Oklahoma
Protect your family before life makes the decision for you
No pressure, no scare tactics, no obligation. Just a straight conversation about what you have, what it actually covers, and what it would cost to fix the gaps.