Offer what other advisors don’t

Add term life insurance to your clients’ robust financial plans. Our online, fully-underwritten application is impressively easy and covers up to $8 million.

How it works


Sign up via email to get your referral link and onboarding info


Send your clients the email template or physical brochure we provide


Track clients’ progress in our bespoke advisor dashboard

Our differentiator? Flexible coverage.

When you meet with clients whose needs have changed, you can add even more value by highlighting their ability to adjust their coverage. That way, they never pay for more life insurance than they actually need.

Team up with

industry giants

Our policies are issued by Allianz Life Insurance Company of New York (rated A+) by A.M. Best Rating, and Fidelity Security Life Insurance Company® (rated A) in all other states.

Satisfied clients, happy advisors

Ladder has industry-leading customer satisfaction and reviews. With us, you’ll have a partner who mirrors your great reputation.
"Ladder makes it easy, straight forward, and fun (Seriously!). They’re truly about the client and it shows every step of the way"
Nick J.
"This process was amazing. If utilized right, it takes out a lot of the middle people, and allows you to build on your financial plan ASAP."
Casey H.
"Seamless experience from the start. Love how everything is online, but you can still have the human interaction if/when you need it."
Hannah H.
"No hassle. No prolonged process. Clear cut in every sense."
Elyse H.
"You made the process informative, convenient and quick to complete. I got peace of mind in no time."
Weniford L.