kind of

life insurance

It’s not just easy. It’s smart and affordable, too.
Hi, we’re Ladder. We offer term life insurance, at a personalized price, that can flex as your needs change. We’re glad you’re here.

How it works


Fill out our online application in minutes


See if you’ve been instantly approved


Accept your offer — affordable prices and no hidden fees

Flexible coverage?

Game changing.

Things happen, priorities shift. It's time your policy adapted with you. That’s why we let you adjust your coverage and price.

Your promise to provide

Set them up with enough to cover living expenses, college tuition and mortgage payments — whatever they may need.
"Getting a policy was a piece of cake. I did it all on my iPad. Ladder is legitimately revolutionizing the industry."
Hugh L.
"It was kind of crazy because I felt like, all of a sudden, even though I’ve just barely been thinking about it, a weight was taken off."
Alyssa D.
"The process for you guys was half the time of the competition… I was insured through you guys before they finished underwriting me."
Derick D.
"So easy. Every other place made it difficult and called all the time. I just wanted to pay for the services provided."
Ben L.
"Ladder has given me the confidence to know that if there’s an accident, my daughter and wife will still be okay, that I’ve done everything I can."
Joseph O.
"You guys made the process so simple. I can't believe no one has made it this easy before. I already told people at my office about it."
Daniel W.

Time-tested insurance

Our policies are issued by highly-rated veterans in the life insurance space who have a long history of paying claims.


Feel free to reach out to our licensed life insurance pros. They’re happy to help, and don’t work on commission.