Ladder offers life insurance that is fast, easy, and affordable.

No doctors, no needles, no paperwork when applying for $3 million in coverage or less - just answer a few health questions as part of the application.

100% Digital

Ladder has adjustable coverage. Clients can decrease coverage, or apply for more, as often as their needs change.

Flexible Coverage

Everywhere

Ladder is available in all 50 states and mirrors your great reputation

Key value propositions

Product offered: Term

Wide range of coverage available from 100K to $8M.

Term offerings for 10, 15, 20, 25 and 30 years for clients ages 20-60

Broad eligibility, with rating tables from substandard to preferred plus.

Coverages

State availability

Appointment process

~12 days

Appointment requested

Background check

Files review and submission

Onboarding form link sent to agency

~2 days

~7 days

~2 day

Form completed

Action required from agency

Appointment email

~1 days

Integrations

Commission statements

Agentero integrations

Agent Contact

agents@ladderlife.com

Client Contact

help@ladderlife.com
(844) 533-7206

More info

Demotech Rating: A

Financial Strength Rating

Additional resources

Agent Client Overview

Agent Overview

Ladder Portal Overview

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. 2204.3-LD, Rev. 5/22