Ladder - Reviewed & Compared


Life insurance isn’t supposed to be fun. So why did I enjoy my experience with Ladder so much? Maybe it was the great, easy to use website. Maybe it was the superb price, or the flexibility. Whatever it was (and it was all of those), keep your eye on this company – they have it going on.

The Good

Excellent term life coverage, with an easy to use, intuitive website. The policies can be very flexible. Great fit for younger audiences. Your life is going to change – marriage, kids, career changes, new house, retirement, etc, so you need life insurance that changes with you. Ladder makes this a specialty.

MORE: What's the Best Life Insurance Policy for You?

The Bad

They are an online-only company, but if you’re ok with that (I am), then there are no drawbacks.

What to Expect

  • An online insurance buying process that's simple.
  • Excellent pricing on their term life policies.
  • Great flexibility. Your policy can change with your needs.
  • The backing of established partners makes them a safe choice.
  • Licensed and trusted, with billions in coverage written.
  • Five Stars on TrustPilot. Nice!
MORE: What's the Best Life Insurance Policy for You?

Our Final Verdict: 8.8/10

Ladder makes life insurance easy and is a great fit for younger audiences. We loved how comfortable their website made us feel, and how easy they are to use. If you don’t mind buying insurance online, definitely check them out.

  • Simple, fast, and flexible term life coverage that’s very affordable
  • A website that makes buying life insurance easy and, dare we say, fun!
  • Policies issued in NY by Allianz Life Insurance Company of New York and in all other states and DC by Fidelity Security Life Insurance Company, Kansas City, MO.
  • Backed by outstanding investors, such as Lightspeed and Northwestern Mutual