Help clients adjust their coverage

Your clients can decrease their coverage, or apply for more, as often as their needs change. No hassle, no hidden fees.

Easy for you and for them

As your clients reach key financial milestones, like a child graduating college or a mortgage being paid off, they can decrease their face amount. In turn, their premiums will decrease proportionally. The result? Potential for considerable savings over the life of their policy.

On the flip side, if your clients want to increase their coverage, they’d simply apply using the same fast and easy application.

I was able to do it all from the comfort of my own home. I don’t know how you can get any easier than that.

Kevin, 36, San Leandro, CA

See how Ladder’s flexible coverage helps your clients save money

In this example, a hypothetical client has two young children, owns a home, has a modest investment portfolio and decreases their coverage every three years.

Term policy specs

Health class
Preferred Plus
Term length
20 years
Face value
$1,400,000
46% savings*
*Savings in premium compared with the same client maintaining their full coverage amount for the policy term. Savings attained by decreasing coverage over the policy’s full term. The potential assets in this example are purely illustrative and do not represent any particular investment return.

Make life insurance an interactive part of the financial planning process.

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