The smart, modern way to insure your life.

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It’s time for better life insurance.

Financially savvy.

Ladder is pure, term life insurance with a fresh approach and no fees. For people who value a streamlined process that keeps you in control.

No agents.

We have eliminated direct, commissioned sales agents. We give you the service you want without any unwanted sales pitches.

10 minutes.

Once you’re ready, an instant decision is just minutes away. Unlike a typical 4-6 week wait, Ladder can get you covered as fast as you can type.

The smart way to take care of your people today.

Enjoy peace of mind.

You can get coverage in place today, and go live your marvelous life.

Freeze your price.

Because coverage becomes more expensive as you age, getting insurance sooner is better than later.

Customize your coverage.

Apply and get what you need today. As your life unfolds, you can adjust it to meet your needs.

Take it with you.

No matter where you work, Ladder insurance moves with you. Perfect, if you might someday change jobs.

How it works.

Redesigned life insurance.

Ladder is a fresh model for a digital consumer. We built Ladder with new technology (and without expensive middlemen or sales offices). That means we can provide you with the best, personalized value (price + experience + service).

Insurance you can rely on.

The digital experience you expect, supported by Fidelity Security Life Insurance Company, an A- rated (‘Excellent’) life insurance company, based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry.

Efficient, streamlined process.

Get a quick quote to see an estimate of your price. Applying online takes only a few minutes, and can be covered instantly. Any next steps are personalized just for you.

Enter a few basics to see your quote in seconds.

I am a 
Female
Male
born on 
.
I'm 
 feet 
 inches tall 
and weigh 
 pounds.
I am a 
Non-smoker
Smoker
Ladder defines a smoker as someone who smokes or uses tobacco (more than one cigar a month).
My zipcode is 
My overall health is