Life Insurance Just
Got Easier.

Instant. Simple. Smart.

Our Simple Process.

You've Got This.


Get Started

Select your coverage amount and term. Use the calculator to help, if you wish.

Apply in 5 min

Answer a few more questions to complete your application.

Instant Decision

We value your time. Check it off your list.

Ladder is Different.

Easy to Get. Easy to Change.

As life unfolds, your life insurance needs may evolve. With Ladder, you can always decrease your coverage with a couple of clicks. No fees, no hassle.

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.
We are fully licensed. Ladder is secured by Fidelity Security Life Insurance Company.
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.
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.

Don't Believe Us. Believe Them

"Getting a policy was a piece of cake. I did it all on my iPad. Ladder is legitimately revolutionizing the industry."

Hugh L.

Cardiff, CA