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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

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過去12か月のレビュヌ数: 137件

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5぀星のうち5の評䟡

The Easiest Life Insurance Experience Ever

Ladder made getting life insurance incredibly fast, easy, and affordable. The entire process was seamless—from the application to approval—and I felt supported every step of the way. Highly recommend to anyone looking for a simple, stress-free experience!

2025幎12月10日
Ladder ロゎ

Ladder からの回答

Thank you for this review, we're happy to hear you had a great experience!

5぀星のうち5の評䟡

My application was processed in a


My application was processed in a professional manner and they kept me updated each step of the way until approval. They provided me a package that suits my family needs and affordable.

2025幎11月12日
自発的なレビュヌ
Ladder ロゎ

Ladder からの回答

We're so glad you had a good experience, thank you for sharing your feedback!

5぀星のうち1の評䟡

3 months of waiting, just for a generic, useless denial

I applied for life insurance with this company and waited almost 3 MONTHS for a decision, only to get an extremely vague email saying my application was denied due to "medical records". No proper explanation, no transparency, and no respect for my time. Everything they wanted I provided quickly, and gave extremely personal information on the application.

They referenced data from ExamOne and my doctor, but refused to tell me specifically what led to the denial.

They wasted months of my time and left me with no real answer. Would not recommend them to anyone seeking transparency, or professionalism.

2025幎11月10日
自発的なレビュヌ
Ladder ロゎ

Ladder からの回答

Thank you for sharing your feedback, Michael. To provide some context, the underwriting process involves a careful review of various factors, including medical history. To ensure accuracy, it is sometimes necessary for insurers to request and wait for additional records, which can occasionally lead to delays.

If you have any questions regarding your application, please feel free to contact our team at help@ladderlife.com, and we will be happy to assist you.

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