Digital Term Life Insurance

Ladder can help you offer simple and affordable term life insurance to your customers or members, with coverage ranging from $100K to $8M in terms of 10 to 30 years.
Empower customers and members to protect their loved ones with term life insurance that's easy, with a 5 minute online application, no medical exams up to $3M in coverage, and instant decisions.

Features & Benefits

100% online application process and instant decisions

Customers or members can apply online in 5 minutes for an instant coverage decision, with no medical exams on up to $3M in coverage - just answer some health questions as part of the application.

Coverage that's flexible over time

Your customers or members can adjust their coverage (and premium) online at any time with life's changes, like paying down their mortgage or welcoming a new child.

Competitive, transparent pricing

Ladder offers affordable pricing with no hidden fees. Customers can cancel anytime for any reason, or get a full refund within the first 30 days.

Embedded insurance to help customers and members protect what matters most

Make targeted, timely and relevant offers for customers and members to protect their loved ones. Offer a seamless way to calculate coverage needs, get tailored quotes, and even manage a policy –– all online.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. 231221-3295990