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.
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!