Digital Term Life Insurance

Ladder offers simple and affordable life insurance to the financial institution’s account holders. Ladder offers term life insurance coverage ranging from $100K to $8M on terms of 10 to 30 years.


Ladder helps build resilient communities with life insurance that's easy, affordable, and flexible with life's many changes. Empower customers and members to protect their loved ones with a 5 minute online application for coverage from $100k to $8M, with a 100% digital process up to $3M.

Features & Benefits

Totally online application process and instant decisions

Apply online in 5 minutes for an instant coverage decision. Ladder’s process is 100% digital for up to $3M in coverage.

Flexible coverage the user can change over time for life events

Adjust your coverage (and premium) with life’s changes, like having a child, buying a home, paying down your mortgage or starting a business.

Competitive, transparent pricing

Affordable pricing with no hidden fees. Cancel anytime for any reason, no questions asked.

Partner-centric technology that brings the best insurance providers into a consistent, modern interface

Make targeted, timely and relevant offers for coverage, then empower your customers to protect their loved ones by calculating their coverage needs, getting tailored quotes, and even managing their policies, all natively from within your own online and mobile experiences.