Built for the People Who Build America.
One policy can help protect your family with up to $1 million in coverage, provide access to funds if a serious illness keeps you off the job, and build tax-advantaged cash value you control.
- Up to $1,000,000 in coverage for your family
- Living benefits if a qualifying illness stops the paychecks
- Tax-advantaged cash value you can borrow against
See what you qualify for in your state
Enter your zip code to check plan availability in your area.
You work harder than anybody. Your safety net doesn't.
Most trade work leaves you to build your own safety net. No pension at the end. Nothing that keeps paying if your body quits before you do.
Your body is the business
No work, no pay. A bad diagnosis doesn't just hurt you. It stops the money coming into the house.
No pension. No match.
Self-employed, 1099, or small shop, there's no company plan doing the heavy lifting. It's on you.
The bank says no
Need a truck, a tool, or cash for a slow month? You're stuck asking a bank for your own kind of money.
A family bank flips that. You build a pile of cash value inside a life insurance policy that you control, with protection for your family built right in.
One policy. Three jobs.
An Indexed Universal Life (IUL) policy is built to do three things at once. Here's each one in plain English.
Protects your family
If something happens to you, your family gets a tax-free check, up to $1M. Mortgage paid. Kids taken care of. Truck note gone.
Death benefit generally paid income-tax-free to beneficiaries.
Pays you if you get sick
Heart attack, cancer, stroke takes you off the job? Living benefit riders let you pull part of your death benefit early, while you're still here to use it.
Living benefits accelerate the death benefit on qualifying conditions. Riders vary by carrier and state.
Builds cash you control
Part of what you pay builds cash value. It grows tax-deferred and earns interest linked to a market index, with a 0% floor, so a bad market year doesn't erase your gains.
Caps and participation rates limit upside. Fees and charges still apply in down years.
What this is. And what it isn't.
You've been sold to before. So here's the part most agents skip.
What it IS
- Permanent life insurance that can last your whole life
- A long game. It works best when you fund it for years
- Flexible. Pay more in a good year, less in a slow one
- Yours. It's not tied to an employer and moves with you
What it is NOT
- A stock market investment or a get-rich-quick plan
- Free. It costs money, and the early years build slow
- Guaranteed growth. Illustrations are projections, not promises
- Free money. Loans cut your death benefit until paid back
Three steps. No runaround.
Answer 6 quick questions
Zip, age, what matters most to you. About a minute, right from your phone. No SSN.
Get your real numbers
A licensed agent shops 42 carriers and texts you what you actually qualify for.
You decide
Like it? Great. Don't? No hard feelings. No pressure and no obligation, ever.
A real person who gets your work.
“I work with tradesmen and truckers every week. I'll show you the good, the bad, and the actual numbers, then let you decide. If it's not a fit, I'll tell you.”
John DudaBlue Collar Division
Questions? Start here.
Can I qualify if I have a health condition?
Many tradespeople with common conditions like high blood pressure, high cholesterol, or old injuries from years of physical work still qualify, often at standard rates. Your agent matches you to the carrier that fits your health best.
How much does it cost?
There's no set price. It depends on your age, health, how much coverage you want, and how much you put toward cash value. Plenty of guys start smaller than they expect and build from there. Premiums are flexible, so you can size it to your income.
Does this work if I'm self-employed, 1099, or W-2?
Yes. It's an individual policy, not employer-based. You qualify the same way either way, and because you own it, it moves with you if you switch jobs, go independent, or retire.
Do I need a medical exam?
Not to get a quote. Depending on your age and coverage amount, many carriers offer policies with no medical exam. Your agent will tell you which route fits.
Will this hurt my credit?
No. Getting a quote doesn't touch your credit, and we don't ask for your Social Security number on this form.
What if I have a slow season and can't pay?
IUL premiums are flexible, so you can pay less for a stretch. Just know that paying too little for too long can cause the policy to lapse. Your agent will show you a safe minimum.
What happens after I submit?
A licensed independent agent texts you right away and reaches out, usually within 24 hours, to go over your options. No pressure, no obligation. You decide if it fits.
Every year you wait, it costs more.
Life insurance is priced on your age and health. Today is the youngest and usually the healthiest you'll ever be. Find out what you qualify for. It's free and takes about a minute.
Get your free quote
Carrier availability and pricing vary by state.
▲ Important Disclosures
Advertising disclosure. This is an advertisement for insurance. Blue Collar Family Bank is a marketing brand used by a licensed independent life insurance agent. We are not an insurance carrier, broker-dealer, or registered investment adviser, and we do not provide investment, legal, or tax advice. Policies are underwritten and issued by third-party carriers.
Who contacts you. A licensed agent affiliated with Blue Collar Family Bank will normally contact you directly; depending on availability, you may be referred to another licensed independent agent. Submitting the form does not create a client relationship or obligate you to buy anything.
Consent to contact. By submitting your contact information, you consent to receive calls (including autodialed or pre-recorded calls), text messages (SMS/MMS), and emails from or on behalf of Blue Collar Family Bank and its licensed insurance agent partners regarding life insurance products, even if your number is on a federal, state, or local Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out, or email team@bluecollarfamilybank.com.
No guarantee of coverage. Coverage, benefits, premiums, and eligibility are set solely by the carrier and subject to underwriting. Not all applicants qualify.
IUL disclosure. Indexed Universal Life is permanent life insurance, not a securities investment. Cash value interest is linked to a market index (such as the S&P 500) and subject to caps, participation rates, and floors set by the carrier; policy fees and charges apply. Illustrations are projections, not guarantees, and past index performance does not predict future results. Loans and withdrawals reduce the death benefit and cash value and may cause the policy to lapse. Tax treatment depends on your situation; consult a tax professional. Living benefit riders vary by carrier and state.
State availability. Features, carriers, and eligibility vary by state and underwriting.