Ladder for advisors FAQ

Ladder for advisors is a program built and designed for financial advisors that allows you to easily refer clients to Ladder for term life insurance. Instead of spending time searching for quotes and sending clients through the traditionally long process of purchasing a life insurance policy, financial advisors can partner with Ladder to provide their clients with easy life insurance and an instant decision.
Signing up is easy. Submit the information on this form, and you'll receive an email from Ladder with details to get started. We designed Ladder for advisors to make setup smooth and easy.
Upon signing up, you'll receive a welcome email from Ladder with your unique referral link to share with your clients, sample email language to help you initiate the conversation, and additional materials with more information about Ladder.
Our platform allows your clients to share policy information with you. Sign in to view your dashboard and easily incorporate your clients' term life policy into your clients' financial plan.
Ladder offers fully underwritten individual term life policies to residents of all 50 states including the District of Columbia. People ages 20-60 years old are eligible to apply.
At Ladder, every customer is underwritten individually. Because of each applicant's unique needs, a lab appointment may or may not be necessary. If a lab appointment is required, it's free. A traveling technician will visit their home or office - wherever is most convenient. The technician will measure the applicant's height and weight, take their blood pressure and pulse, and collect a urine and blood sample.
We're here to help. Please reach out to advisors@ladderlife.com with any questions, concerns, or feedback and we'll get back to you shortly.
Our support team is licensed and happy to help answer any of your clients' questions. They can be reached at help@ladderlife.com
Yes! Our policies are issued by Ladder Life Insurance Company, Menlo Park, CA, Fidelity Security Life Insurance Company® Kansas City, MO, Allianz Life Insurance Company of New York, New York, NY, Allianz Life Insurance Company of North America, Minneapolis, MN, and Amica Life Insurance Company, Lincoln, RI.
Amica Life Insurance Company has been rated A+ (Superior) affirmed February 8, 2023, Allianz Life Insurance Company of New York and Allianz Life Insurance Company of North America have been rated A+ (Superior) affirmed June 2022 and Fidelity Security Life Insurance Company® has been rated A (Excellent) based on an analysis of financial position and operating performance, by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, visit www.ambest.com. A+ is the second highest rating of 15.
Ladder doesn't charge advisors any fees. When your clients apply for and obtain a policy, they will get great rates and no policy fees.
  • Our easy, online application & instant decisions
    Your clients can apply for life insurance coverage with Ladder through your referral link via our online application, get approved, and even be immediately covered within the next few minutes.
  • The ability to "Ladder" Coverage
    Your clients' needs are ever-changing - shouldn't their life insurance adapt to them? For this reason, we designed the ability for your clients to 'ladder' easily: they can apply for more coverage or decrease their coverage, all online.
  • Customer service without a hidden agenda
    Your clients can always reach out to one of our licensed insurance professionals if they have questions at any point. Our support team are salaried employees, not commissioned sales agents, so you can trust they have your clients' best interests at heart - just like you do.
Learn
Start an applicationLife insurance guideInsurance calculatorFAQs
About
About usContact usCareersBlogClaims
More
Sign inLadder APILadder for advisorsLadder for affiliatesLadder for agentsLadder @ Work
Follow
Terms  |  Licenses  |  Privacy  |  CA Privacy Notice  |  Your Privacy Choices  |  Accessibility
Ladder Insurance Services, LLC (CA license 0K22568; AR license 3000140372) offers term life insurance policies: (i) in California, on behalf of its affiliate, Ladder Life Insurance Company, Palo Alto, CA (policy form number P-LL100CA); (ii) in New York, on behalf of Allianz Life Insurance Company of New York, New York, NY (policy form number MN-26); (iii) in the District of Columbia and all states except New York on behalf of Amica Life Insurance Company, Lincoln, RI (policy form number ICC23P-AM100 and P-AM100); (iv) Fidelity Security Life Insurance Company®, Kansas City, MO in the District of Columbia and all states except California and New York (policy form number ICC23-M-1069 and M-1069, varies by state); and (v) in the District of Columbia and all states except Connecticut and New York on behalf of S.USA Life Insurance Company, Inc., Roanoke, VA (policy form number ICC23P-PL100 and P-PL100), a Prosperity Life Group company. Only Allianz Life Insurance Company of New York is authorized to issue life insurance in the state of New York. Insurance policy prices, coverages, features, terms, benefits, exclusions, limitations and available discounts vary among these insurers and are subject to qualifications. Each insurer is solely responsible for any claims and has financial responsibility for its own products.
Prices start at $5/month based on a 20-year-old female rated Preferred-Plus for a $100K policy for a 10-year term. Individual rates will vary as specific circumstances will affect each customer’s rate. Rate valid as of 12/3/24.
From ForbesAdvisor.com, April 21, 2021 © Forbes Marketplace Operations, Inc. 2021.
2025 © LADDER FINANCIAL INC. All rights reserved.
We use cookies, APIs, and other similar technologies to understand and analyze your interactions with our site. By using our site, you consent to the use of these technologies as described in our Privacy Policy.