Ladder Insurance Reviews

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Overall satisfaction rating
(4.8 out of 5)
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  • Excellent customer service
  • High-value term life insurance policies
  • No medical exam (for coverage up to $3M)
  • Not for people over 60
  • No riders or supplementary coverages

Ladder is an American company founded in 2015 based in Palo Alto, California, that offers fully-underwritten, direct-to-consumer term life insurance online. The company offers consumers a streamlined process for applying for and buying term life insurance, without fees. Ladder provides instant decisions and instant coverage for those who qualify. Coverage is available from $100,000 to $8,000,000, with no medical exam required for coverage up to $3,000,000 -  ust health questions are asked as part of the online application.. Terms available are 10, 15, 20, 25, and 30 years.

To value customers’ time and money, Ladder focuses on three things, speed, ease, affordability. Ladder is a simple online portal that allows customers to purchase affordable life insurance coverage and adjust the policy.

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. 240404-3491727

Insurance Types

  • Life insuranceLife Insurance


4.8 Superb Based on 4 reviews
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juan. – June 4, 2019, 1:02 p.m.

very quick quote and easy to purchase. the only thing i want to complain is i cannot choose it from my employer

yke – May 25, 2019, 9:28 p.m.

super affordable price!!!

Jeffery – May 12, 2019, 5:24 a.m.

Simple... no phone calls and push for sells...

Alan – May 2, 2019, 9:54 a.m.

Best experience I have had so far for shopping life insurance

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