Ladder Life
Secure your family's future with fast, flexible term life insurance
About Ladder Life
Ladder Life offers streamlined term life insurance with no medical exams for policies up to $3 million. Adjust coverage as your needs change, or keep it steady. Get a quote in minutes and enjoy a 30-day money-back guarantee for peace of mind.
FAQ
No, for policies up to $3 million, you only need to answer a few health questions. For amounts greater than $3 million, a quick, free, at-home health check may be required.
You can cancel your policy within the first 30 days (or 10 days in New York for some products) and get a full refund if you're not satisfied. After that, you can cancel anytime without cancellation fees.
Yes, the policies are issued by highly rated insurers, ensuring stability and reliability. However, claims may not be paid out in cases of suicide or fraud.
A general rule is 10 times your salary. This can help cover expenses like a mortgage, debt, education, and emergency funds. Use the coverage calculator for a personalized estimate.
Yes, the application process is 100% digital for policies up to $3 million, with no doctors, needles, or paperwork required. You only answer health questions online.
You can adjust your policy through 'Laddering,' which allows you to reduce coverage as your needs change, such as paying down a mortgage or as children become adults.
Ladder's customer experience team is available to answer questions and help you choose the right policy. You can reach out to them for assistance.
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