First, you'd need to find out if the company will even allow it. Many don't, either due to their own policies, or due to insurance company policies. Depending on the policies of the trucking company and/or insurance company, it may be any age. You need to check with the company to determine what their rider policy is.
It is relevant to your state insurance and other conditions. Contact your agent! Most states do not allow minors to enter into contractural agreements - including insurance policies. Therefore, most insurance companies require a parent or legal guardian to obatin the insurance on behalf of the minor and sign all corresponding paperwork.
Viatical settlements allow people without life insurance beneficiaries (gay men, people without families or spouses, orphans) to sell their life insurance policy for cash value while they are still alive. These are not used very popularly but grew in frequency of request after the AIDS epidemic in the sixties.
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