Policy basics
Term vs. permanent for a lineman's budget
Why most linemen should start with a large term policy, when permanent coverage earns its keep, and how to blend the two without overpaying.
Resources
Learn it before you need it
Straightforward guides written for electrical linemen, utility workers, and their families. Written to inform, not to sell.
Employer & union
What your union or employer policy really covers
Group life is real coverage worth understanding — what it counts as pay, what it excludes, and whether it follows you. Here's how to read your certificate.
Coverage math
How much coverage does your family need?
A simple worksheet: income replacement years, mortgage balance, debts, childcare, and education — minus what you already have in force.
Underwriting
Hazardous occupation underwriting, explained
Some carriers rate linemen hard, others barely blink. What underwriters ask about climbing, voltage, and storm travel — and how to answer accurately.
Plain-language glossary
- Death benefit
- The amount paid to your beneficiaries, tax-free in most cases.
- Rider
- An add-on to a policy, like waiver of premium or a child term rider.
- Portability
- Whether coverage follows you when you leave the employer or local.
- Level term
- A policy with a fixed premium and death benefit for a set number of years.
- Cash value
- The savings component inside a permanent policy you can borrow against.
- Contestability
- The first two years, during which a carrier can review claim accuracy.
Want one of these walked through for your situation? Ask us directly.
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.