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Term Life Insurance Through Ladder

Help protect the ones you love with term life insurance.

Apply online in as little as 5 minutes and get an instant decision from a company we trust.

Life isn’t simple. Your life insurance should be.

Get your term life insurance through a company we trust and help protect those that matter the most.

Provide financial security for your family through Ladder.

Cell phone showing you’re approved for Ladder life insurance policy.

Applying online takes as little as 5 minutes and you'll get an instant decision on coverage for up to $8 million
Ladder is 100% digital with no medical exams and just a few health questions when you apply for up to $3 million in coverage
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.

Smart Financial Move Growing a Family Protecting Your Home

Now is the time to get covered

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 for your monthly premium. 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.

Crunch the numbers

How it works.

Ladder offers coverage from $100K - $8M on terms from 10 to 30 years, depending on the applicant’s age. 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.

Get Your Quote

It’s getting personal.

Real reviews from real people help us keep it real.

“Most Rewarding”

“This was the simplest most rewarding thing I’ve ever done.”

– Crystal T.

“Super Quick and Easy”

“Super quick and easy! I loved the ability to slide and adjust the terms after my initial quote.”

– Kathyrn S.

“Affordable Term Life Insurance”

Easy application process with affordable term life insurance. It makes me feel better knowing if anything untimely happened to me, my family will have someone looking out for them.”

– Kristy M.

Plus, Ladder is highly recommended.

NerdWallet's 2023 winner for Best Same-Day Term Life Insurance

Learn even more about life insurance.

Explore resources that’ll help secure your future.

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FAQs

We have answers.

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 bringing Ladder’s innovative technology and industry expertise to Ally customers.

With Ladder, you can apply for term 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.
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's licensed (but non-commissioned) agents are available to help. Just email ally@ladderlife.com or call 1-844-327-4358.
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.
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.
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 several highly rated carriers that have been supporting families and paying claims for decades. The insurers are rated by A.M. Best, an independent analyst and credit rating agency of the insurance industry. They score insurance companies based on their ability to meet their financial obligations.

A FEW THINGS YOU SHOULD KNOW

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) offers term life insurance products issued by multiple insurers. For details go to ladderlife.com . All insurance product terms are set and governed by the individual insurance policy. Each insurer has financial responsibility for its own products.