Instant coverage decisions, flexible and tailored term life insurance policies for your needs. Great $1M policies available from only $25/month. 

Our Rating: Perfect 5/5

Insurmate's #1 pick for life insurance

Most recommended life insurance company from all of the companies we've reviewed.

great value In extremely LOW rates

Ladder offers competitive rates for excellent term life insurance policies with face value of $100K to $8M a year to people between 20 to 60 years of age, in all states. While rates may vary, they have great $1M policies available for only $25/month.

Allows you to get down the ladder

Ladder lets you decrease or increase your coverage amount (and price!) easily online as your needs change throughout life.

trusted and financially strong

Ladder is backed by Fidelity Security Life Insurance Company, Hannover Re US and Allianz Life Insurance Company, and provides fully underwritten term life insurance policies that are issued by them. All have A+ (Superior) AM Best rating, which means that Ladder has enough cash reserves to pay out your claims.

fully digital instant coverage

Ladder offers a great online experience with easy application and instant coverage decisions that gets you quoted and insured within seconds if you qualify. Their policies are sold and managed fully online with no agents involved, no policy fees and sometimes even without a medical exam!!

money back guarantee

Offering refunds within your first 30 days as their client if you are unhappy for any reason, no questions asked.

cancel anytime

Allows you to cancel your policy at any given time, for any reason, without asking any questions.

excellent customer service

Provides excellent, professional customer service through support specialists that are licensed agents that earn no fees over you and are helping with every customer needs.

locked premium rates

Your premium rate does not increase for the whole period of your policy, even when your health decreases!