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LEARN

Life insurance guide
Understand the basics of life insurance
Laddering
Discover the perks of adjustable coverage
Insurance calculator
Find out how much coverage you need
FAQs
Get answers to common questions
Sign in

LEARN


Life insurance guide
Understand the basics of life insurance
Laddering
Discover the perks of adjustable coverage
Insurance calculator
Find out how much coverage you need
FAQs
Get answers to common questions

SIGN IN


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LIFE INSURANCE
SO FLEXIBLE,GOOD,
FAST,
IT TAKES YOU BY FLEXIBLE,SURPRISE


Get my quote
Start applying

STARTING AT $5/MONTH


As featured in




$100K – $3M in coverage for people ages 20 – 60.
No medical exam.
*
About 5 minutes, start to finish.
*Just answer a few questions about your health.

Get my price

Done in 3 easy steps

01 Tell us about yourself
Get my price


YOU'RE IN CONTROL OF YOUR COVERAGE

As you pay down your mortgage, as your kids become adults—you won’t need as much
coverage. Adjust your policy by “Laddering,” or keep it the same. The choice is
yours.
Learn more
Based on healthy, 30 year old male. Preferred plus. Prices vary.
This has been the easiest life insurance process I have ever been quoted on and
best rate by far.
Alex G. // Policyholder since 2020
4.8/5 on Trustpilot


SMART QUESTIONS YOU MAY BE ASKING

Is Ladder financially rated?
Yes, and proudly so. As the first fully digital life insurance company, we’ve
earned a Financial Stability Rating® of A, Exceptional, from Demotech Inc.
Is Ladder financially rated?
Yes, and proudly so. As the first fully digital life insurance company, we’ve
earned a Financial Stability Rating® of A, Exceptional, from Demotech Inc.
Money back guarantee?
Yep! If, for whatever reason, you’re not completely happy with your policy,
cancel in the first 30 days and get a full refund. After that, you can cancel
any time without any cancellation fees.
Money back guarantee?
Yep! If, for whatever reason, you’re not completely happy with your policy,
cancel in the first 30 days and get a full refund. After that, you can cancel
any time without any cancellation fees.
Is Ladder 100% digital?
We are 100% digital — no doctors, no needles, no paperwork — when you apply for
$3 million in coverage or less. Just answer a few questions about your health in
our application. For coverage over $3 million, we may ask you to complete a
quick, free, at-home health check.
Is Ladder 100% digital?
We are 100% digital — no doctors, no needles, no paperwork — when you apply for
$3 million in coverage or less. Just answer a few questions about your health in
our application. For coverage over $3 million, we may ask you to complete a
quick, free, at-home health check.
Why term life insurance vs whole life insurance?
Term insurance protects your family for the 10-30 years they depend on you most.
When your term ends, your monthly payments end too. Term coverage is much more
affordable than whole coverage, which can last as long as you pay for it.
Why term life insurance vs whole life insurance?
Term insurance protects your family for the 10-30 years they depend on you most.
When your term ends, your monthly payments end too. Term coverage is much more
affordable than whole coverage, which can last as long as you pay for it.
How much life insurance do I need?
10x your salary is the quick math. It may sound like a lot, but think of
everything it could be used to cover: a mortgage, debt, higher education, an
emergency fund and more. For a personalized answer to this question, try our
coverage calculator.
How much life insurance do I need?
10x your salary is the quick math. It may sound like a lot, but think of
everything it could be used to cover: a mortgage, debt, higher education, an
emergency fund and more. For a personalized answer to this question, try our
coverage calculator.
Who can I talk to if I need help?
Each member of our support team is a licensed life insurance agent who doesn’t
work on commission. They’ll answer any question you may have and help you get
the right policy for you. Contact us
Who can I talk to if I need help?
Each member of our support team is a licensed life insurance agent who doesn’t
work on commission. They’ll answer any question you may have and help you get
the right policy for you. Contact us


STABILITY AND RESILIENCE FOR YOUR FAMILY

Too many Americans need to crowdsource cash when their person dies. But with
life insurance, you can give your family certain comforts like staying in their
home, finishing school—money for things that’ll help them thrive.
Get my quote
Start applying
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Terms  |  Licenses  |  Privacy  |  CA Privacy Notice  |  Accessibility
Ladder Insurance Services, LLC (CA license # 0K22568; AR license # 3000140372)
offers term life insurance policies: (i) in California, on behalf of its
affiliate, Ladder Life Insurance Company, Menlo Park, CA (policy form #
P-LL100CA); (ii) in New York, on behalf of Allianz Life Insurance Company of New
York, New York, NY (policy form # MN-26); (iii) in the District of Columbia and
all states except New York on behalf of Allianz Life Insurance Company of North
America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100); and (iv)
Fidelity Security Life Insurance Company®, Kansas City, MO in the District of
Columbia and all states except California and New York (policy form #
ICC17-M-1069, M-1069 and policy # TL-146). Only Allianz Life Insurance Company
of New York is authorized to issue life insurance in the state of New York.
Insurance policy prices, coverages, features, terms, benefits, exclusions,
limitations and available discounts vary among these insurers and are subject to
qualifications. Each insurer is solely responsible for any claims and has
financial responsibility for its own products.
From ForbesAdvisor.com, April 21, 2021 © Forbes Marketplace Operations, Inc.
2021.
2021 © LADDER FINANCIAL INC. All rights reserved.