As you pay down your mortgage, as your kids become adults—you may not need as much coverage. Adjust your policy by “Laddering,” or keep it the same. The choice is yours.
Based on a healthy, 30-year-old male. Preferred plus. Prices vary. Not all prices will be reduced proportionally.
Smart questions you may be asking
Will Ladder be around to pay my claim?
Our policies are issued by highly rated insurers, and, like us, they’re not going anywhere. Still, here’s when a policy may not pay out: death by suicide, and fraud.
Our policies are issued by highly rated insurers, and, like us, they’re not going anywhere. Still, here’s when a policy may not pay out: death by suicide, and fraud.
Money back guarantee?
Yep! If, for whatever reason, you’re not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
Yep! If, for whatever reason, you’re not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
Is Ladder 100% digital?
We are 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Just answer some questions about your health in our application. Anything greater than $3M and we may ask you to complete a quick, free, at-home health check.
We are 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Just answer some questions about your health in our application. Anything greater than $3M and we may ask you to complete a quick, free, at-home health check.
Why term life insurance vs whole life insurance?
Term insurance protects your family for the 10–30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is typically more affordable than whole coverage, which can last as long as you pay for it.
Term insurance protects your family for the 10–30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is typically more affordable than whole coverage, which can last as long as you pay for it.
How much life insurance do I need?
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try our coverage calculator.
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try our coverage calculator.
Who can I talk to if I need help?
Our customer experience team is standing by to answer any questions and help you get the right policy for you. Contact us
Our customer experience team is standing by to answer any questions and help you get the right policy for you. Contact us
Stability and resilience for your family
Too many Americans need to crowdsource cash when their person dies. But with life insurance, you can give your family certain comforts like staying in their home, finishing school—money for things that’ll help them thrive.
Starting at $5/month
Good for the planet, too
Our digital application uses zero paper and we plant a tree for every policy. Here’s to a greener tomorrow.
