Your
kind of

life insurance

Apply for up to $8 million in coverage, without leaving home. 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

1

Fill out our online application in minutes

2

See if you’ve been instantly approved

3

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.

Questions?

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

Terms | Licenses | Privacy | CA Privacy Notice | Accessibility

Ladder offers term policies in New York (policy form # MN-26) that are issued by Allianz Life Insurance Company of New York, New York, NY. Term policies are issued in all other states and DC by Fidelity Security Life Insurance Company®, Kansas City, MO (policy form No. ICC17-M-1069, M-1069 and policy TL-146).

Your kind of