Laddering Client Coverage

Adjust your clients' coverage as their needs change, without the fees.

Seriously, there are no fees.

Laddering Made Simple

As a client reaches key financial milestones, like a child graduating college or a mortgage being paid off, his or her policy values can be decreased. In turn, their premiums will decrease proportionally to the face value, yielding considerable savings over the life of the policy.

If a client wants to increase their coverage, he or she would simply apply with the same fast and easy application process.

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

Scenario 1: Family Growing Up
A client with two young children who owns a home, a modest investment portfolio, and a strong financial plan.

Income/Liability Assumptions

Initial Savings
$20,000
Initial Investment
$100,000
Mortgage
$420,000
Investment Return
9.8%

Term Policy Specs

Health Class
Preferred Plus
Face Value
$1,400,000
Term Length
20 years
48% saving with Ladder
vs industry average
Scenario 2: New Baby
A client with one young child and a modest investment portfolio has a second child and buys a home, requiring a second policy to meet coverage needs.

Income/Liability Assumptions

Initial Savings
$15,000
Initial Investment
$150,000
Mortgage
$420,000
Investment Return
9.8%

Term Policy Specs

Health Class
Preferred Plus
Face Value #1
$550,000
Face Value #2
$1,100,000
Term Length
20 years
54% saving with Ladder
vs industry average
Scenario 3: Inheritance
A client with two young children who owns a home, with little to no investments and savings, but experiences an unforeseen windfall during the term of her coverage.

Income/Liability Assumptions

Initial Savings
$15,000
Initial Investment
$15,000
Mortgage
$420,000
Investment Return
9.8%
Windfall
$500,000

Term Policy Specs

Health Class
Preferred Plus
Face Value
$1,500,000
Term Length
20 years
62% saving with Ladder
vs industry average

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