Customers Love Us.
Don’t take our word for it. Check out what some of our customers have to say.
We get it, you're busy.
If you qualify we'll cover you instantly, end of story. No sales calls, no waiting period, no shenanigans.
1.
Complete our quick application
2.
Get an instant decision
3.
Accept your offer
Our prices are super affordable — and straightforward.
We don’t have commissioned sales agents. We have smart algorithms that work in real time to give you the best price we can.
We don't charge fees (unfortunately most companies still do).
You can cancel anytime.
If you cancel within 30 days, you’ll even get a full refund.
Our coverage fits you like a glove.
Kids, mortgages, careers… your coverage needs will change over time. No sweat, we keep up.
Lock in your best rate today, adjust it tomorrow.
Decrease your coverage (and price!) as often as you need.
Apply for more coverage in a few clicks.
Why People Love Ladder.
Stellar prices.
Life insurance can and should be affordable. Ladder is committed to giving you a great value.
No brokers, no upselling.
Ladder insurance professionals are licensed and salaried only. Here to help, not sell.
Trustworthy.
Policies are issued by Fidelity Security Life Insurance and in New York by Allianz Life Insurance Company of New York.
Cancel anytime.
You may cancel your policy whenever you want to, for any reason. No questions asked.
Price lock guarantee.
With Ladder, your price is locked in. It does not increase if your health changes or as you age.
Term life insurance.
Ladder offers fully underwritten term because it is cost-effective and financially savvy. It’s what we have ourselves.
No policy fees.
We never charge policy fees. Period. We’re building life insurance the way it should be, and no one needs fees.
Flexible.
Get what you need today. Anytime, apply for more, or decrease without fees or hassle.
Money back guarantee.
If you’re not happy, we will refund your money within the first 30 days. No muss, no fuss.
Built To Last.
We're here to help you navigate life insurance. Whether you are just starting to think about coverage or you are a long-time happy customer, we plan to be here for you far into the future. Ladder has partnered with Fidelity Security Life Insurance Company to issue LadderLife™️ policies and Allianz Life Insurance Company of New York to issue policies in New York.
