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Ladder レビュヌ 

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TrustScore 5段階評䟡の4.5

4.7

保険代理店
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5぀星のうち5の評䟡

Simple process purchasing my first life insurance policy at the ripe old age of 33 years old, haha! I intend to live until I’m 100 years old but ya never know, so this life insurance policy has alread... もっず芋る

5぀星のうち5の評䟡

Credit Karma suggested and I was very skeptical it after doing my own researched it’s everything I hoped things would be and the process was smooth. One less thing to worry about when it comes to... もっず芋る

5぀星のうち5の評䟡

It was easy to sign up, didn't get a bunch of phone calls, emails or other solicitations. Everything was able to be done in a couple mins online. The only thing I would have liked a screen with hey i... もっず芋る

5぀星のうち5の評䟡

Such an easy process to add beneficiaries and create extra policies. I initially purchased life insurance after experiencing what it was like to go through the sudden death of a loved one without a li... もっず芋る

䌁業情報

  1. 保険代理店
  2. ・
  3. 金融コンサルタント

Ladder に぀いお

圓該䌁業による蚘述

At Ladder we believe life insurance should be flexible, affordable, and accessible to all. Ladder offers a simple digital experience that makes applying for life insurance faster and easier than traditional insurance. Our mission is to help more people protect the people they love by making the application process straightforward and convenient.

Our CEO founded Ladder after experiencing firsthand the impact life insurance can have on a family. After losing his father at age 11, the life insurance policy his family had in place helped provide financial stability during an incredibly difficult time. That experience inspired Ladder's mission to make life insurance more accessible for families everywhere.

Ladder helps people apply for life insurance online through a fully digital application experience. We offer coverage amounts up to $8 million, including no-medical exam options for eligible applicants seeking up to $3 million in coverage. We work with trusted insurance providers with decades of experience serving customers and paying claims.

Our application process is simple and straightforward. Answer a few questions about your health and lifestyle through our online application, and most applicants receive a decision as soon as their online application is submitted. For those who don’t, underwriting through Ladder or one of our partners typically takes under two weeks.

Life changes over time, and your coverage can too. Depending on your policy, you may be able to reduce your coverage amount — and your monthly premium — as your needs change. You can also apply for additional coverage directly through your Ladder account. (We call this “Laddering”!)

Ladder has been recognized for both innovation and customer experience, including:

- USA TODAY – America's Best Customer Service in Financial Services (2026)

- NerdWallet – Best Flexible Term Life Insurance (2026)

- FinTech Breakthrough – Life Insurance InsurTech Solution of the Year (2026)

- Wealth & Finance – InsurTech of the Year (2026)

- Wealth & Finance – Customer-Centric Design Innovation Award (2026)

- The Financial Technology Report – Top Financial Technology Companies (2025)

- Forbes Advisor – Best No-Exam Life Insurance (2024)

- Great Places to Work – Best Workplaces in the Bay Area (2025 & 2026)

©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved. 260805-5799066

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4.7

優良

TrustScore 5段階評䟡の4.5

3039件のレビュヌ

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4.7

すべおのレビュヌ

(3,039)

過去12か月のレビュヌ数: 137件

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5぀星のうち2の評䟡

Gives you a different price after


Gives you a different price after completing everything or just flat out denies without info on why

2026幎5月9日
Ladder ロゎ

Ladder からの回答

Thank you for sharing your experience, Joseph. To clarify our process, the initial quote you see is just a rough estimate based on a few factors and therefore, is subject to change as we receive more information throughout the application process. Please note that your quote changes based on information such as driving records, medical history, family health history, activities you participate in, and more. If you have any additional questions, please do not hesitate to reach out to our team at help@ladderlife.com.

5぀星のうち1の評䟡

ZERO CUSTOMER SERVICE

Don't waste your time. I applied for a basic life insurance policy in January 2026. It is almost May 2026 and I still do not have an answer. They have been giving me the run around for four months, and still no answer.
Multiple requests for records, multiple questions asked about the same thing over and over. They even started asking the same questions from 4 months ago because it has been so long that they forgot they asked me 4 months ago.

A complete disaster. God forbid you need a policy ASAP for a business transaction like me. GO SOMEWHERE ELSE.

2026幎4月25日
自発的なレビュヌ
Ladder ロゎ

Ladder からの回答

Thank you for sharing your feedback, Angie. We sincerely apologize for the delay. To provide some context, the underwriting process involves a comprehensive evaluation of various factors, including, but not limited to, driving history, activities you may participate in, personal and family health history, financial information and more. To ensure an accurate decision, we may need to request records and reports from third parties, and as such, we are subject to their processing times and any required details from their end. We hope this explanation is helpful.

5぀星のうち1の評䟡

Terrible service

Terrible service, really poor experience

2026幎1月14日
Ladder ロゎ

Ladder からの回答

Thank you for sharing your feedback, Dave. We'd like to hear more about your experience and assist you. Please contact our team at help@ladderlife.com.

5぀星のうち3の評䟡

A very long approval process

The initial application process was straightforward and relatively simple. The interface was easy enough to navigate. The review and approval process, however, took an exceptionally long time - almost three full months. Once my application was approved, there was swift and active pressure to confirm my policy immediately (multiple emails, phone calls, and text messages from Ladder within 12 hours), which felt very much like a high-pressure sales tactic and was particularly off-putting after a three-month wait.
Since I'm still alive, I can't speak to what the process will be like on the other end. I expect that it will take longer than my survivors will appreciate, but I'm sure it'll get sorted eventually.

2026幎3月23日
Ladder ロゎ

Ladder からの回答

Thank you for sharing your feedback, Katherine. We apologize for the unpleasant experience, and we will share your feedback with our team. To provide some context, underwriting times can vary, especially if we require additional information, and in those cases, we are subject to third-party processing times. If you have further questions, please contact our team at help@ladderlife.com.

5぀星のうち3の評䟡

No communication

There has been no communication! I would like to see the policy, a confirmation of having signed up and details about billing, something indicating this is confirmed. Maybe I missed an email?

2026幎3月29日
Ladder ロゎ

Ladder からの回答

Thank you for your feedback, Ilima. To clarify, we do send a congratulatory email indicating that you are covered once an offer is accepted.

If you would like more details regarding your policy, we encourage you to login to your account at ladderlife.com/login and you'll be able to access your policy information and documents there. For more assistance, please do not hesitate to reach out to our team at help@ladderlife.com.

5぀星のうち5の評䟡

It was easy to sign up

It was easy to sign up, didn't get a bunch of phone calls, emails or other solicitations. Everything was able to be done in a couple mins online. The only thing I would have liked a screen with hey if you replace your existing with a combined coverage option, this would be your new price it may have saved me money and may have switched my other ins over as well.

2026幎3月19日

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