Affordable life insurance you can’t afford to be without

  • No medical exam for coverage up to $3M*
  • $500k in coverage starts as low as $18/month**
  • Flexible coverage
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Help protect your loved ones

You can better secure your family’s financial future with affordable term life insurance through our partnership with Ladder. Ladder can help determine the right coverage, so your loved ones have the resources they need to maintain their standard of living. There are no hidden fees or doctor visits. Everything is handled online, so you can get coverage in as little as five minutes.

Age matters

Life insurance typically gets more expensive as you age. So even if you don’t think you need it today, it's smart to consider your options early and get started as soon as possible.

Know your coverage

Life insurance through work is usually not enough and you can't take it with you. Ladder's quick and easy insurance calculator can help determine what’s right for your family

Tailored for you

Ladder's coverage is flexible, giving you the power to adjust your coverage as your goals and needs change. For example, save money over time by decreasing your coverage (and premiums) as you pay down your mortgage.

How It Works

Tell us about yourself

Apply online by answering a few questions.

Choose your coverage

Choose the policy amount and term that best meets your needs.

Get an instant decision

Apply in as little as five minutes, start to finish, and find out if you’re instantly approved.*

Term life insurance made simple

It’s quick, affordable, and easy. Our online application process takes about five minutes and you’ll find out immediately if you’re approved for coverage.

  • Easy step-by-step online application
  • Has a team of licensed agents who are ready to help
  • No hidden fees
  • Cancel anytime
  • 30-day money back guarantee
  • Manage your policy online

Find the right life insurance for you.

Click below to view Ladder’s 2022 Guide to Life Insurance.

No doctors, lab work, or paperwork

Ladder offers coverage from $100K - $8M on terms from 10 to 30 years, for ages 20-60. Ladder’s application is 100% digital – no medical appointments necessary – when you apply for up to $3 million in coverage. Anything greater and they may ask you to complete a quick, free, at-home health check.*

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Term life insurance is coverage that can be purchased to provide financial support for your family should you pass away during the term of your policy. There’s no cash value accumulation and term insurance is often the lowest cost approach for most coverage. Terms range from 10- 30 years in five-year increments.

The cost of term life insurance can be substantially cheaper than other types of life insurance because you're only paying for the years that you need it.

You can cancel your policy whenever you want to, for any reason. No questions asked and there are no cancellation fees or penalties.

Yes. The application takes five minutes from start to finish and is 100% digital.

Most people need far more life insurance than what’s included in their benefits package, which is typically only one or two times their salary. And if you change jobs, the life insurance coverage doesn’t follow you. So even if you don’t think you need it now, it’s smart to consider your options early as life insurance gets more expensive as you age.

It depends on your specific family needs. But there are few general rules that could be helpful in determining coverage, such as how much financial support you’d like to provide for your loved ones and how much debt you have.

Ladder has a team of licensed agents who are happy to help with your questions. Just call 844-533-7206 Mon.-Fri. from 8 a.m. to 5 p.m. Pacific Time. Or email them at

You can see and manage your policy by logging in to your account at

With term policies, the death benefit is paid upon the death of the insured provided that the death occurs within the policy term. However, if the insured outlives the term policy, and dies after the term has ended, there is no death benefit. To file a claim if the policyholder passes away, the beneficiary can go to the claims page and follow the instructions provided. After Ladder has been notified a support team member will reach out to the beneficiaries to gather additional information and explain the next steps. For more information, go to

Don’t see what you’re looking for? Check out our Knowledge Center for more resources.

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*While medical exams may not be required for coverage, certain health information is required as part of the application to determine eligibility for coverage. **Based on a 30-year-old female rated Preferred-Plus for a $500K policy with a 10-year term. Individual rates will vary as specific circumstances will affect each customer’s rate. Rate valid as of 11/1/2022.

Life insurance offered by AmeriSave Insurance, LLC and fulfilled through Ladder Insurance Services, LLC. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. AmeriSave Mortgage Corporation and AmeriSave Insurance, LLC are affiliated companies under common control and common ownership. Ladder is a non-affiliated full stack digital life insurance company.

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. 230104-2663029

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