Life Insurance Just
Got Easier.

Instant. Simple. Smart.

Customers Love Us.

Don’t take our word for it. Check out what some of our customers have to say.
Based on 327 reviews

"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

A Fast, Easy Application.

If you've been meaning to get life insurance for a while, consider this: with Ladder you can apply in 5 minutes and get an instant decision. If you get an offer for immediate coverage you can accept right away and be done. People have gotten covered in the time it takes to wait for coffee. Seriously.

We Can Save You Money.

Ladder’s pricing is very competitive for two reasons.
Our online application questions and real time underwriting enable us to calculate the best price for you.
Because we're online, we don't have a fleet of commissioned life insurance agents.
These savings allow us to stay lean and offer you stellar prices. (And don’t forget that your ability to ladder over time can save you money, too.)
Our prices start at $35 a month.
Your financial obligations may change when your children graduate from college or after you have paid off your mortgage.

Our Life Insurance is Flexible.

Your financial obligations change over time. Your life insurance coverage should change with them. Why pay for more coverage than is needed? With Ladder you can decrease your coverage anytime with a few clicks, say for example, if you have paid off a major financial commitment. We also make it easy to apply for more coverage, like perhaps if you have a new addition and want to make sure they are protected.

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.
Trustworthy.
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.
Flexible.
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.

Built To Last.

We’re here to help you navigate life insurance. Whether you are just starting to think about coverage or you are a long-time happy customer, we plan to be here for you far into the future. Ladder has partnered with Fidelity Security Life Insurance Company to issue the LadderLife™ policies and Hannover Life Reassurance Company of America to reinsure the policies.

Ask Us Anything.

Our customer service specialists are here to help, not to sell. They are licensed agents who can help you figure out what you need. They don’t get paid commissions. Our goal is to help you get comfortable with life insurance and get your people covered.