Your motorcycle policy replaces the bike. It does not replace household income.

Motorcycle (and e-motorcycle) policies are built for the vehicle, liability, and physical damage. They are not designed to replace income, mortgage support, or family obligations if a rider dies. This site explains that gap and how a confidential review of accidental death / life protection may fit.

15-minute confidential review with a Licensed Insurance Representative. Not an online application. Not a quote engine for motorcycle vehicle coverage.

Simplified / no-exam path Level base life benefit Illustrative rates

Call 800.365.TERM (800-365-8376) Text 754-313-6200

Motorcycle / e-moto vehicle policy

Covers the bike

Bike, liability, and physical damage (per policy)
Replaces the machine and covered liability costs
Does not replace household paycheck or long-term family support

Household / rider life protection

Helps cover the household

Accidental death protection plus a level base life benefit (subject to policy terms)
Helps protect household income and obligations if the rider dies
Does not fix, tow, or insure the motorcycle itself

Keeping strong motorcycle coverage is important. It is a different product category from accidental death or life protection for the household.

Estimated Rate Matrix

Informational sample monthly ranges — not a personalized quote.

Ages 20–40 · 30-Yr Level Term

Opt 1 · $101k: $18–$23/mo
Opt 2 · $201k: $26–$31/mo
Opt 3 · $301k: $33–$39/mo

Ages 41–50 · 30-Yr Level Term

Opt 1 · $101k: $20–$25/mo
Opt 2 · $201k: $28–$34/mo
Opt 3 · $301k: $35–$42/mo

Ages 51–55 · 20-Yr Level Term

Opt 1 · $101k: $22–$27/mo
Opt 2 · $201k: $30–$36/mo
Opt 3 · $301k: $38–$45/mo

Ages 56–60 · 20-Yr Level Term

Opt 1 · $101k: $27–$33/mo
Opt 2 · $201k: $35–$42/mo
Opt 3 · $301k: $43–$51/mo

Age Bracket	Option 1 $101k Total	Option 2 $201k Total	Option 3 $301k Total
Ages 20–40 30-Yr Level Term	$18 – $23/mo	$26 – $31/mo	$33 – $39/mo
Ages 41–50 30-Yr Level Term	$20 – $25/mo	$28 – $34/mo	$35 – $42/mo
Ages 51–55 20-Yr Level Term	$22 – $27/mo	$30 – $36/mo	$38 – $45/mo
Ages 56–60 20-Yr Level Term	$27 – $33/mo	$35 – $42/mo	$43 – $51/mo

All plans shown include a $1,000 level base life benefit plus high-limit accidental death protection (illustrative totals: about $101,000 / $201,000 / $301,000). These are illustrative amounts discussed with a Licensed Insurance Representative — subject to product rules, state availability, and underwriting. Not a personalized quote and not guaranteed.

Why motorcycle risk is measured differently

Federal traffic-safety data consistently show motorcyclists face far higher fatality and injury rates per mile traveled than passenger-car occupants. That exposure is why household income protection deserves a separate conversation from the bike policy.

Fatality rate (2023): Per 100 million vehicle miles traveled (VMT), the motorcyclist fatality rate was 31.39, versus 1.13 for passenger-car occupants — nearly 28 times higher. Source: NHTSA Traffic Safety Facts — Motorcycles: 2023 Data (DOT HS 813 732).
Injury rate (2023): Motorcyclist injury rate per 100 million VMT was 409, versus 88 for passenger-car occupants — nearly 5 times higher. Same NHTSA 2023 motorcycle fact sheet.
Fleet vs. exposure (2023): Motorcycles were about 3.1% of registered vehicles and about 0.6% of VMT — a small share of travel, with elevated per-mile harm rates. Same source.
Left-turn / straight path (2023): In 3,419 fatal two-vehicle crashes involving a motorcycle and another vehicle, in 46% (1,588) the other vehicle was turning left while the motorcycle was going straight, passing, or overtaking. Same source.

Statistics describe population risk patterns. They are not a prediction for any individual rider and are not an underwriting decision.

Electric riders: mechanical dynamics to discuss

Electric motorcycles and high-power e-bikes bring different mechanical dynamics than many riders (and other drivers) expect — information points only, not invented fatality multipliers:

Torque / power delivery — Instant or near-instant power can change acceleration feel and gap selection.
Quieter approach — Lower engine noise can reduce the auditory cues other road users use to notice a bike.
Battery mass — Pack weight can change handling, stopping distance, and crash energy characteristics compared with a lighter ICE bike of similar class.

Whether you ride gas or electric, the household question is the same: if the rider is gone, does the bike policy replace income? It does not.

From the blog

Why motorcycle fatality risk matters for household life protection

NHTSA per-mile rates, the bike-vs-paycheck gap, and why a confidential review is not a Progressive-style quote.

All rider insights →

Protect the household — not just the bike

Understand the gap before you assume the motorcycle policy is enough. Call or text for a 15-minute confidential review with Gregory M. Sloan, CLU®, ChFC®, Licensed Insurance Representative, or a member of the team. No online form. No bike-coverage calculator.

Call 800.365.TERM (800-365-8376) Text 754-313-6200

Message and data rates may apply. Calling or texting is not a quote, an offer of insurance, or a purchase. See Terms and Text/SMS Opt-In.

Frequently Asked Questions

Is this motorcycle insurance?

No. This site is about household / rider life protection (including accidental death and related life paths). It is not motorcycle vehicle insurance and not a bike-premium quote tool. For bike coverage, keep working with your motorcycle insurer or agent.

Does it replace my bike policy?

No. Accidental death or life coverage does not replace your motorcycle policy. You generally need both conversations: one for the machine and liability, one for household income if the rider dies.

Why are the rates shown as ranges?

There is no Progressive-style motorcycle quote engine on this site. Any dollar totals discussed are illustrative amounts discussed with a Licensed Insurance Representative and are subject to product rules and underwriting. Carriers set final pricing and eligibility. Nothing here guarantees issue or a specific premium.

Are e-motorcycles “more deadly” according to NHTSA?

NHTSA motorcycle fact sheets report rates for motorcyclists as a category. This site does not invent separate Sur-Ron / Talaria / Zero fatality multipliers. E-moto notes here are about mechanical dynamics (torque, quieter approach, battery mass) for information only.

Will I be approved?

No one on this site can promise approval. Carriers decide. Gregory does not underwrite.

What happens when I call or text?

Brief conversation about goals, household needs, and what you already carry on the bike. Clarify the gap between vehicle coverage and income protection. Gregory M. Sloan, CLU®, ChFC®, Licensed Insurance Representative, or a member of the team will follow up. Calling or texting is not a quote, an offer of insurance, or a purchase.

Are medical exams required?

This path is designed as a simplified / no-exam route — no medical exams, blood tests, or needles for eligible applicants. Availability and underwriting rules still vary by state. Eligibility is determined after review, not by this webpage alone.