Business Details
9 Years
experience
Term Life Insurance Made Simple | Ladder Insurance Services Insurance Services Insurance
Ladder Insurance Services Insurance Services is a digital-first life insurance provider dedicated to simplifying access to term life coverage. Founded in 2017, we specialize in offering no-exam policies up to $3 million, with streamlined online applications requiring only basic health questions. Our innovative laddering approach allows policyholders to adjust coverage as life circumstances evolve, ensuring financial protection aligns with changing needs. We partner with top-rated insurers like Amica Life and Wysh Life to deliver reliable, affordable solutions. Our 100% digital process eliminates traditional barriers like medical exams and paperwork, while our 30-day money-back guarantee underscores our commitment to customer satisfaction.With over $98 billion in coverage provided and recognition from Forbes Advisor and NerdWallet as a leader in no-exam life insurance, we combine technological efficiency with industry expertise. Our team prioritizes transparency, offering clear pricing structures and personalized support through every stage of the policy journey. By focusing on term life insurance, we help clients secure their families' futures without the complexity of whole-life products. Our digital infrastructure ensures rapid policy issuance, often within minutes, while maintaining rigorous compliance with state-specific regulations across all 50 states and Washington, D.C.
Services
Term Life Insurance
No-Exam Policies
Coverage Laddering
Online Application
Coverage Calculator
Details
- Year established: 2017
Highlights and features
- No medical exams required for policies up to $3M
- Adjustable coverage through our laddering policy approach
- 30-day money-back guarantee on new policies
- Instant online application with immediate decisions
- Partnered with top-rated insurers for policy issuance
What people say
Best no-exam life insurance
Quick application process
Money-back guarantee
Adjustable coverage options
Excellent customer service
Services
Term Life Insurance
Our term life insurance policies provide financial protection for 10-30 years, with coverage amounts up to $3 million. These plans help families maintain financial stability through mortgage protection, debt coverage, and future education funding. Policies feature fixed premiums during the term period.
No-Exam Policies
Apply for coverage up to $3 million without medical exams or lab tests. Our streamlined process uses health questionnaires to determine eligibility, enabling rapid policy issuance within minutes of application completion.
Coverage Ladder Insurance Services Insurance Servicesing
Customize coverage amounts as life circumstances change. This approach allows policyholders to reduce coverage when paying off mortgages or increase protection during major life events like marriage or childbirth.
Online Application
Complete the entire application process digitally through our secure platform. The system guides users through health questions and coverage selection, with instant decisions for qualified applicants.
Coverage Calculator
Use our interactive tool to determine appropriate coverage amounts based on income, debts, and future financial obligations. The calculator recommends policy terms and coverage levels tailored to individual circumstances.
Questions
What is term life insurance vs whole life insurance?
Term life covers you for 10-30 years with affordable premiums, while whole life provides lifelong coverage at higher costs. Term payments end when the policy term concludes.
How much life insurance do I need?
A general guideline is 10x your annual salary. Our coverage calculator helps determine personalized amounts based on debts, income, and future financial obligations.
Is Ladder Insurance Services Insurance Services completely digital?
Yes, policies up to $3 million require no medical exams or paperwork. Applications complete online in minutes with just health questions.
Can I cancel my policy?
Cancel anytime with no fees. Get a full refund within 30 days (10 days in New York) of purchase if unsatisfied with your coverage.
Who underwrites Ladder Insurance Services Insurance Services policies?
Policies issue through top-rated insurers including Amica Life, Wysh Life, and Fidelity Security Life. Each insurer handles claims and maintains financial responsibility for their products.
Does Ladder Insurance Services Insurance Services offer 24/7 service?
Our digital platform operates 24/7 for policy management. Customer support available during standard business hours for personalized assistance.
Reviews (6)
Savtanter Gadoo
Dec 24, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
The best term life insurance with a solid team behind it.
The best term life insurance with a solid team behind it.
Zara Macalllan
Dec 07, 2021
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Don't put yourself in the hands of their crudely designed algorithm. In an effort to automate, they don't bother differentiating between real health conditions and false positives. It's a frustrating experience that makes you feel your privacy has been invaded and your insurance application record blemished for no reason. Stay away.
Shanna Robinson
Oct 19, 2021
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Denied insurance because instead of dealing with my sisters sudden death on my own, I decided to voluntarily check myself into a mental health program.
Chelsea Nowlin
Mar 06, 2021
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A joke honestly. Just like what everyone was saying, major ripoff that charges outrageously high premiums even to healthy individuals. It would have had 5 stars due to the easier process but failed once I saw the price I was getting. Literally anyone else would give me a much lower rate than Ladder. But thats okay that just helps me negotiate even better prices elsewhere! Thanks LadderLife! ;)
Adam J.
Jun 18, 2020
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Ladder Life is a joke and a major rip-off. I have requested a quote from 4 different life insurance companies. (Ladder being one of them). The 3 other major companies requested a physical with blood and urine test - Ladder just sent a "spit kit" that I sent back in the mail. The 3 major companies produced an underwritten quote within 2 weeks of the physical and lab exams.
Ladder took 5 weeks and came up with a monthly premium (5) FIVE TIMES higher than the other 3. I don't see the point of using this company on any level - unless you don't want a physical exam and prefer paying astronomical
Ladder took 5 weeks and came up with a monthly premium (5) FIVE TIMES higher than the other 3. I don't see the point of using this company on any level - unless you don't want a physical exam and prefer paying astronomical
Brady Simpson
Dec 28, 2019
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Ladder would have been a 5 star review, because the process to apply was simple, easy and fast. From Ladder's own words "Ladder gives you an instant, simple, and smart way to take care..."
They instantly quote you a super low price. However, be wary -- and this is where the 2 stars come in -- this is not the price that you will likely get offered. My offer more than DOUBLED without any explanation.
I'm an incredibly healthy, active 30 year old male without any history of disease or any health issues. I can only imagine what the quotes would look like for someone with asthma or any slight condition
They instantly quote you a super low price. However, be wary -- and this is where the 2 stars come in -- this is not the price that you will likely get offered. My offer more than DOUBLED without any explanation.
I'm an incredibly healthy, active 30 year old male without any history of disease or any health issues. I can only imagine what the quotes would look like for someone with asthma or any slight condition
