Why Ladder
Modern term life insurance without the paperwork, salespeople, or long waits.
Coverage up to $8M
Choose the amount your family actually needs — from $100K up to $8 million.
Terms 10–30 years
Lock in 10, 15, 20, 25, or 30 years of level premium coverage.
No medical exam for most
Many applicants qualify with no needles and no in-person exam.
Instant decisions
Get approved in minutes — not weeks — with Ladder's fully digital underwriting.
Laddering flexibility
Raise or lower your coverage as life changes, without a new application.
A-rated underwriting
Policies issued by highly rated carriers, including Allianz Life of NY and Fidelity Security Life.
How it works
From quote to coverage in minutes — no agent required.
- 1
Get a free quote
Answer a few quick questions to see your personalized rate — takes about 60 seconds.
- 2
Apply online
Complete the full application in minutes. No paper, no agents, no pressure.
- 3
Get an instant decision
Most applicants get an approval decision immediately — no waiting weeks.
- 4
Protect your family
Coverage can start the same day. Adjust it up or down anytime as life evolves.
Who Ladder is built for
New parents
Replace lost income and cover child-care costs if the worst happens.
Homeowners
Make sure your family can keep the house if you're not around to pay the mortgage.
Business owners
Protect co-founders, key partners, and business debts with key-person coverage.
Anyone with dependents
If someone counts on your paycheck, term life is one of the cheapest ways to protect them.
Ladder vs. traditional life insurance
Frequently asked questions
Peace of mind, in about 60 seconds.
Get a personalized term life quote from Ladder — no obligation, no phone calls, no pressure.