Life insurance built for you, to protect those you love.
Life isn’t simple. Your life insurance should be.
As your financial ally, we’ve teamed up with Ladder to bring you affordable term life insurance. Get your life insurance through a provider we trust and protect those that matter the most. Apply in minutes and add security for your loved ones’ future instantly.
Provide financial security for your family with Ladder.
Applying online takes as little as 5 minutes and you could get an instant decision on coverage for up to $8 million
Ladder is 100% digital with no medical exams when you apply for up to $3 million in coverage
Ladder down your coverage (and premium) or Ladder up by applying for more. Make changes to your coverage any time, with no strings attached and no hidden fees.
Coverage options tailored to your needs.
The pathway to choosing the right coverage is personal. That’s why Ladder has personalized the process and experience, tailoring it to your needs. You can decrease or apply to increase coverage in a few easy clicks.
Getting life insurance sooner rather than later is a smart financial move. The younger you are when you apply, the less money you’re likely to pay. Now is the time to lock in your rate. You can make changes to your policy at any time with no penalties.
Check life insurance off your to-do list.
Life only gets busier as your family gets bigger. Ladder makes it impressively easy to give your family financial security and protection. Ladder believes in life insurance coverage that fits you like a glove, so you never end up paying for more than what you need.
Protect your investment.
As your life changes, the balance on your mortgage could change. How much coverage your family needs now may look different in the future. With the Flexible Coverage feature, you can reduce your coverage or apply for more online, as many times as you want during your term.
Calculate your coverage.
Figuring out how much coverage you need can feel complicated. Luckily, Ladder has the tools to help.
Ladder offers coverage from $100K - $8M on terms from 10 to 30 years, for ages 20-60. Ladder’s application is 100% digital – no doctors, no needles, no paperwork – when you apply for up to $3 million in coverage. Anything greater and they may ask you to complete a quick, free, at-home health check.
Tell us about yourself
Start by answering a few short questions.
Choose your terms
Select the coverage amount and term that best fits you.
Get an instant decision
Apply online in as little as 5 minutes and Ladder will provide an instant decision.
We chose Ladder because of their innovative approach to offering term life insurance. Ladder is for people who value a streamlined process and who want to be able to easily adjust their coverage as their needs change over time. We’re excited about offering Ladder’s innovative technology and industry expertise to Ally customers.
With Ladder, you can apply for life insurance coverage right now via their online application. If eligible, you can get approved and have coverage within minutes vs the traditional process, which typically takes 4-6 weeks.
Most of the time. There are a few situations when a life insurance claim wouldn’t be paid out such as fraud, and death by suicide within the first two years. These are common provisions consistent across most life insurance policies.
With the exception of the above instances, the death benefit is paid out on term life insurance policies upon the death of the insured, provided that the death occurs within the policy term.
Ladder offers term life insurance policies issued by Allianz Life Insurance Company of North America in all states except New York. In New York, policies are issued by Allianz Life Insurance Company of New York. Both have been supporting families and paying claims for decades.
Simply put, term life insurance provides protection for a specific, limited amount of time during which monthly payments are required. In the event of your death during the term of your policy, your beneficiary can file a claim to receive the predetermined payout. With that, your beneficiary may have enough funds to pay off a mortgage, have the means to support your family in your absence, or build savings.
Yes! If, you're not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
Ladder is 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Anything greater and they may ask you to complete a quick, free, at-home health check.
If you want to view your policy, update your personal or billing information, or add beneficiaries you can log in to your Ladder account here.
Oftentimes not. Many people are surprised to learn that the life insurance included as part of their benefits package is only one or two times their salary.
Visit Ladder's calculator to understand your needs. Most people need far more than 1-2x salary. Not only is life insurance through an employer often not enough, it also generally doesn't move with you if you change jobs.
10x your salary is the quick math. It may sound like a lot but think of everything it could be used to help cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try Ladder's coverage calculator.
You can contact a member of Ladder's support team. Each member of Ladder’s support team is a licensed life insurance agent who doesn't work on commission. They'll answer any question you may have and help you get the right policy for you.
Ladder Insurance Services, LLC (CA license # 0K22568; AR license # 3000140372) offers term life insurance policies: (i) in New York, on behalf of Allianz Life Insurance Company of New York; New York, NY (policy form # MN-26); and (ii) in all other states and the District of Columbia on behalf of Allianz Life Insurance Company of North America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to issue lifeinsurance in the state of New York. Insurance policy prices, coverages, features, terms, benefits, exclusions, limitations, and available discounts vary between these insurers and are subject to qualifications. Each insurer is solely responsible for any claims and has financial responsibility for its own products.