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

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.
Apply online by answering a few questions.
Choose your coverage
Choose the policy amount and term that best meets your needs.
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.*
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.*

FAQs
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