Ladder - Reviewed & Compared

Summary

Ladder offers term life insurance in a fully online process from start to finish, simply fill out an online application that takes a few minutes and get an instant decision with up to $3M in coverage. The service is available to consumers in all 50 states, including Washington D.C, so wherever you move - take your coverage with you! The process is so seamless, and the website is very intuitive and easy to use that you have to check it out.

The Good

Ladder also offers unique flexible policies - you can easily reduce or apply to increase your coverage whenever you need, without any fees. As your financial situation changes, you can adjust your policy accordingly - so when you take on a mortgage or have young kids, you can opt for a more expensive policy with higher payout, or “Ladder up.” But can also later scale it back or “Ladder down” when your mortgage is paid off and your kids are all grown up. This makes Ladder unique in the industry!

With Ladder, you can easily apply online, eliminating the need to meet with an agent. However, if you have any questions or need assistance, Ladder employs licensed and experienced representatives who are happy to help.

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

The Bad

Ladder offers only term life insurance, for people ages 20 to 60 years old, so isn’t suitable for individuals who want whole life insurance or to add supplemental insurance.

What to Expect

  • Fully online application
  • Flexible policies can be adjusted over time to match your financial needs
  • Available in all 50 states and D.C.
  • Offers up to $8 Million in coverage, with up to $3 million available 100% online with no medical exam needed, just some health questions are asked as part of the online application
  • Affordable pricing on their term life policies
  • Choose from 10 to 30 year policy terms
  • 30-day trial means if you’re not happy with your policy, you can cancel within the first 30 days for a full refund
  • 4.8 out of 5 stars on TrustPilot (over 1,750 reviews)!
MORE: What's the Best Life Insurance Policy for You?

Our Final Verdict: 9.6/10

Ladder makes life insurance easy and can be a great fit for younger audiences. We loved how easy and 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.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. Coverage amounts vary by state. 230404-2829080.

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FAST FACTS
  • Simple, fast, and flexible term life coverage that’s affordable
  • A website that makes applying for life insurance easy and, dare we say, fun!
  • Affordable Life Insurance with prices starting at just $5 a month
  • Their Laddering tool lets you adjust your coverage, up or down, whenever (application required to ladder up)
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