Ladder

4.7/5 stars
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Ladder launched in 2017 and offers term life insurance to people between 20 and 60 years of age. Ladder understands how important it is to connect customers to the right life insurance coverage. Using a customizable, personalized, and efficient application process, Ladder allows customers to apply for life insurance coverage and get a decision in minutes. If approved, customers may be offered immediate coverage which reduces the application time by days, if not weeks. Ladder offers competitive rates and specializes in helping customers looking for high value policies between $100k and $8m. What makes Ladder unique is that they allow customers to adjust the policy size to fit their budget and coverage needs. Customers can “Ladder Up” to increase a policy’s value or term length, something not offered by most of the competitors. On the other hand, Ladder makes it possible for customers to “Ladder Down” and reduce the policy’s value by decreasing premium payments in relation to coverage amount.

How It Works

Ladder believes that the application process does not need to be a lengthy one, and many customers will get an offer for coverage in less time than it takes to order a cup of coffee. To start the process of getting life insurance through Ladder, visit ladderlife.com. Ladder’s
application process is one of the quickest in the industry. Use the convenient coverage calculator to select the desired amount of coverage and term length. Next, answer questions regarding general personal information, personal heath history, and family health history. After
customers have secured basic coverage, Ladder gives customers the ability to adjust their policy at anytime. Ladder provides customer service without hidden agendas; support personal is salaried and not incentivized to pressure customers to increase coverage. Keep in mind that beneficiaries will only receive benefits if the insured passes away within the term detailed in the policy; this is standard procedure for the life insurance industry.

What Customers Are Saying

Ladder has received excellent ratings in three major categories including reputation, company stability and coverage. Ladder has completely changed the life insurance industry by making it extremely easy to apply for and manage your life insurance policy online. No other company has such a quick process and the ease of use is unparalleled. The entire process, from start to finish, takes about as much time as it takes to write a short email. The absence of time consuming and costly medical examinations saves customers valuable time that can be spent on the most important things in life. Many customers feel that the best thing about Ladder is the ability to actually change your policy to meet the immediate needs of your budget. The “Ladder Up” and “Ladder Down” options put the power in the hands of the customer. The fact that Ladder is backed by the most reputable insurance companies in the industry give me the peace of mind to know that no matter what happens, my family will have a financially secured future. Ladder connects customers with policies that are underwritten by Fidelity Security Insurance Company; having a policy backed by a financially strong institution should be a top priority for anyone shopping for life insurance.

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