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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.

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. Now is the time to lock in your rate. You can make changes to your policy at any time with no penalties.

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, 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.

More Resources

FAQs

We have answers.

A FEW THINGS YOU SHOULD KNOW

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.