Simple process purchasing my first life insurance policy at the ripe old age of 33 years old, haha! I intend to live until Iâm 100 years old but ya never know, so this life insurance policy has alread... ãã£ãšèŠã
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Credit Karma suggested and I was very skeptical it after doing my own researched itâs everything I hoped things would be and the process was smooth. One less thing to worry about when it comes to... ãã£ãšèŠã
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... ãã£ãšèŠã
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... ãã£ãšèŠã
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Ladder ã«ã€ããŠ
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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 donât, 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 â and your monthly premium â as your needs change. You can also apply for additional coverage directly through your Ladder account. (We call this âLadderingâ!)
Ladder has been recognized for both innovation and customer experience, including:
- USA TODAY â America's Best Customer Service in Financial Services (2026)
- NerdWallet â Best Flexible Term Life Insurance (2026)
- FinTech Breakthrough â Life Insurance InsurTech Solution of the Year (2026)
- Wealth & Finance â InsurTech of the Year (2026)
- Wealth & Finance â Customer-Centric Design Innovation Award (2026)
- The Financial Technology Report â Top Financial Technology Companies (2025)
- Forbes Advisor â Best No-Exam Life Insurance (2024)
- Great Places to Work â Best Workplaces in the Bay Area (2025 & 2026)
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved. 260805-5799066
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 donât, 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 â and your monthly premium â as your needs change. You can also apply for additional coverage directly through your Ladder account. (We call this âLadderingâ!)
Ladder has been recognized for both innovation and customer experience, including:
- USA TODAY â America's Best Customer Service in Financial Services (2026)
- NerdWallet â Best Flexible Term Life Insurance (2026)
- FinTech Breakthrough â Life Insurance InsurTech Solution of the Year (2026)
- Wealth & Finance â InsurTech of the Year (2026)
- Wealth & Finance â Customer-Centric Design Innovation Award (2026)
- The Financial Technology Report â Top Financial Technology Companies (2025)
- Forbes Advisor â Best No-Exam Life Insurance (2024)
- Great Places to Work â Best Workplaces in the Bay Area (2025 & 2026)
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved. 260805-5799066
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2261 Market Street #30833, 94114, San Francisco, ç±³åœ
- 844-533-7206â¬
- help@ladderlife.com
- ladderlife.com
Apply today
4.7
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Fast and easy peace of mind.
2026幎4æ6æ¥
First life insurance policy it make theâŠ
First life insurance policy it make the process easier
2026幎4æ4æ¥
Easy online application
Easy online application. Required some follow up but communication was clear while I waited for everything to clear. Great service.
2026幎3æ10æ¥
Fast and easy application online.
2026幎2æ27æ¥
The application experience was easy
The application experience was easy, but thorough. Automatic payment made the process easy as well.
2026幎2æ27æ¥
Ladder ããã®åç
Thanks for sharing about your experience!
Ladder is amazing
Ladder is amazing! Quick, easy, affordable. And no annoying agent trying to upsell every which way to Sunday! Thank you!
2026幎2æ23æ¥
Ladder ããã®åç
Thank you Chase, so glad to have you on board!
Quick and easy!
2026幎3æ5æ¥
The application process was easy and straightforward
The application process was straightforward. Any questions I had, the representative Brianna answered quickly. The prices were very reasonable. They didn't hassle or pressure me into getting a policy, like other brokers.
2026幎2æ24æ¥
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Ladder ããã®åç
Thanks for your review, we're so pleased to hear about your experience!
Questionnaire was very straightforwardâŠ
Questionnaire was very straightforward and simple to complete.
2026幎2æ16æ¥
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