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.

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.

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.

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.