Ladder Review

Founded in 2015, Ladder prides itself on bringing an intuitive, human approach to life insurance. It accomplishes this through easy online applications, the flexibility to adjust coverage on a need-be basis, and a no-commission support team. The company also uses real-time underwriting to provide near-instant decisions. Additionally, Ladder prides itself on offering affordable coverage with no hidden fees.

In order to help you decide if Ladder’s right for you, let’s take a closer look at everything the life insurance company offers.

Pros and Cons of Ladder



What Does Ladder Offer?

Ladder offers term life insurance with up to $8 million in coverage. If you’re looking for an entirely digital experience, though, you can apply for up to $3 million in coverage without a medical exam. At a glance, you can expect the following with Ladder:

What To Expect on the Site

One of Ladder’s biggest advantages is how easy it makes it to get customized coverage. This is thanks to Ladder’s online application that only takes minutes to complete. After filling out the application, you may get an offer for immediate coverage. The application asks questions about you and your lifestyle. See below in order to understand the types of questions:

Finally, after confirming your U.S. citizenship (Ladder is only available to U.S. citizens or permanent residents who have been in the U.S. for more than 2 years), you’re asked to verify your identity by providing the last four digits of your Social Security Number. After submitting your application, based on your eligibility, you may get approved and have coverage within minutes.


Ladder says its term life insurance starts at $5 per month. However, pricing for life insurance varies based on factors like age and health, plus the term and coverage amount. You can use Ladder’s estimate tool to get a good idea of what you’ll pay. By simply providing your age, sex, height, weight, zip code, and the amount of desired coverage, Ladder will give you an estimate of how much you can expect to pay for different term lengths.

What People Are Saying About Ladder

Ladder may be a relatively new life insurance provider, but it’s quickly established a good reputation. As of September 2021, Ladder has an excellent Trustpilot score. Based on more than 1,600 customer reviews, Ladder has 4.7 out of 5 stars:

The Bottom Line

Convenience, flexibility, and affordability sum up the Ladder experience. Whether you’re completely new to life insurance or know exactly what you need, Ladder can make the process easy. The site has a handy estimate tool that provides estimates in a few clicks. And if you’re not sure about how much coverage you need, then the site’s insurance calculator can help you decide. All in all, there are many reasons to include Ladder in your comparison of top life insurance companies.

*Policies starting at $5/month are based on a 20-year-old female for a 10-year term, preferred plus health class.

Ladder Insurance Services, LLC (Cal. license # 0K22568; Ark. license # 3000140372) offers term life insurance policies: (i) in New York, on behalf of Allianz Life Insurance Company of New York, New York, NY (policy form # MN-26); and (ii) in all other states and the District of Columbia on behalf of Allianz Life Insurance Company of North America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100). 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.