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We offer affordable policies from a top-rated insurer who has paid claims for over 50 years.
Done in 3 easy steps
01 Tell us about yourself
You're in control of your coverage
As you pay down your mortgage, as your kids become adults—you won’t need as much coverage. Adjust your policy by “Laddering,” or keep it the same. The choice is yours.
Based on healthy, 30 year old male. Preferred plus. Prices vary.
Smart questions you may be asking
Will Ladder be around to pay my claim?
Our policies are issued by insurers with long, proven histories of paying claims. They’re rated A and A+ by A.M. Best and, like us, they’re not going anywhere. Still, here’s when a policy may not pay out: death by suicide, and fraud. Learn more about our partners.
Money back guarantee?
Yep! If, for whatever reason, you’re not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
Is Ladder 100% digital?
We are 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Anything greater and we may ask you to complete a quick, free, at-home health check.
Why term life insurance vs whole life insurance?
Term insurance protects your family for the 10-30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is much more affordable than whole coverage, which can last as long as you pay for it.
How much life insurance do I need?
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try our coverage calculator.
Who can I talk to if I need help?
Each member of our support team is a licensed life insurance agent who doesn’t work on commission. They’ll answer any question you may have and help you get the right policy for you. Contact us
Stability and resilience for your family
Too many Americans need to crowdsource cash when their person dies. But with life insurance, you can give your family certain comforts like staying in their home, finishing school—money for things that’ll help them thrive.