Term Life Insurance Through Ladder
Financial security for the people you love.
We recommend Ladder for affordable term life insurance. Protect those who matter most with a company we trust.
Life isn’t simple, but your life insurance can be.
Ladder’s digital, streamlined process allows you to get the term life insurance you need quickly and easily. Once you’re approved, you can get coverage within minutes.
Trusted.
With 2,800+ reviews, Ladder is rated 4.6 out of 5.
Flexible
Adjust your coverage any time you need.
Quick to set up
Get your quote and apply in minutes.
More about term life insurance.
Term life insurance can provide a tax-free death benefit to your loved ones if you pass away during the policy term. This can help your family cover things like funeral costs, debts or living expenses.
Lock in your coverage today.
Whether you’re starting life as an adult, growing a family or approaching retirement, securing a policy sooner rather than later could benefit you. Premiums are based on your health, age and other factors at the time you apply. The younger you are when you apply, the less money you’re likely to pay for your monthly premium. Plus, you can make changes to your policy any time with no penalties.
How it works.
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 at Ladder in minutes.
Ladder offers coverage from $100K-$8M on terms from 10 to 30 years on most products, depending on your age and location. No medical exams required, only a few health questions when you apply for up to $3M in coverage on most products. Anything greater, you may have to complete a quick, free, at-home health check.
Explore your coverage options.
Get an estimate on how much you’ll pay.
Want to calculate how much coverage you might need first? Use Ladder’s insurance calculator to crunch the numbers.
The reviews are in.
People like Ladder. We think you will, too.
“Fast Efficient Quoting Workflow”
“Fast efficient quoting workflow. Great experience. The process took very little time.” – Joseph H.
“Super Quick and Easy”
“Super quick and easy! I loved the ability to slide and adjust the terms after my initial quote.” – Kathyrn S.
“Great Onboarding Experience”
"Really helpful staff. Got exactly the amount of insurance to make me feel more secure at a reasonable price!” – Donovan
Plus, Ladder is highly recommended.
Best of 2024 Forbes Advisor and a 4.6-star rating on Trustpilot
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A few quick reads to help to secure your future.
FAQs
We have answers.
You can reach out to Ladder's support team who are happy to help. Call 1-844-327-4358 or send an email to ally@ladderlife.com. They'll answer any questions you may have and help you get the policy that’s best for you.
10x your salary is the quick math, which could be used to help cover things like a mortgage, debt, higher education, an emergency fund and more. Use Ladder's coverage calculator to get a more personalized estimate of how much coverage you need.
Oftentimes not — the life insurance coverage included in a company’s benefits package is typically only one or two times an employee’s salary. Keep in mind, it also doesn't typically carry over if you change jobs. Use Ladder's coverage calculator to get a more personalized estimate of how much coverage you need.
Yes. If you're not happy with your policy, you can cancel within the first 30 days on most products to get a full refund. After that, you can cancel anytime but may only get a partial refund with no cancellation fees.
Yes, in most cases. Ladder works with highly rated carriers that have been supporting families and paying claims for decades. The death benefit is paid when an insured loved one passes away during the policy term. There are two main instances when a claim might not be paid:
In the event of fraud
Death by suicide within the first two years (this time frame varies by state)
These exclusions are standard across the industry and apply to most term life insurance policies
You can log in to your Ladder account to review your policy, update your information or add beneficiaries.