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Ladder Reviews


bestfor-icon Simple Life Cover Quickly

Written by Andrew Omalley

About Ladder | Read More


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Mon - Fri 8:00 AM 5:00 PM PT
Sat - Sun Closed
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  • help@ladderlife.com
  • (844) 533-7206
  • Headquarters: Ladder Financial Inc., PO. Box 456 Menlo Park, CA 94026
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Ladder Life Insurance Review

Ladder has its life insurance policies underwritten by some of the biggest companies in the space, giving policyholders good peace of mind. There is a very simple type of life insurance policy in place at Ladder, with no medical exam necessary for most policies.

Ladder Life Insurance Highlight


Coverage Amount

10, 15, 20, 25, 30 years

Coverage Term


BBB Rating

Not Required

Medical Exam


Optional Add-Ons

Pros & Cons

  • con-icon No medical exam (for coverage up to $3m)
  • con-icon Reputable policy underwriters
  • con-icon Flexible coverage options
  • con-icon Coverage ranges between $100,000 and $8 million
  • con-icon No riders or additional coverage
  • con-icon Limited states availability
  • con-icon Only available to customers between the ages of 20 and 60
  • con-icon Lacks customization options

Associated Fees

Ladder does not charge any type of service fee or cancellation fee. Any charges are built into the premium that you will be paying each month. The exact premium you get depends on numerous factors, including medical history and the size of coverage you are getting.

As there is usually no medical exam, the premiums you pay with Ladder tend to often be bigger than what you see with competitors.

Life Insurance Policies and Pricing

Ladder has a very simple life insurance offering. It only offers one type of policy to people, so there is not really any scope for customization depending on your needs. This is a term life policy. Here are some details about what you can expect if getting life insurance through Ladder:

  • Coverage ranges between $100,000 and $8 million
  • Terms are 10, 15, 20, 25, or 30 years
  • No medical exam needed for coverage up to $3 million
  • Premiums start at just $5 per month
  • No service fee charged

A feature called laddering is a part of the policies you get through Ladder. This allows you to change your level of coverage as time goes by. This can be done to reflect some sort of changing life circumstances that sees you increasing or decreasing your level of coverage.

How to Get Life Insurance Through Ladder

Getting life insurance through Ladder only entails you following three main steps. You first need to visit the Ladder website to start the application process. The whole thing only takes five minutes from start to finish and is all done online.

You need to answer certain questions, such as your date of birth, place of residence, and medical history. You’ll then get a quote on the monthly premium you will need to pay to get sufficient coverage.

If you are happy with the quoted premium, you can then proceed to enter some more detailed info. When everything has been filled out, you can submit the application. It usually does not take long to hear back about your application. As soon as you get approval, coverage will start. 

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Do you need to take a medical exam to get life insurance coverage from Ladder?

No, you do not need to get an in-person medical exam in order to get coverage from Ladder if you’re not looking for more than $3 million worth of coverage

Is there a money-back guarantee?

Yea, you are able to get a full refund within 30 days of activating your policy.

What ages does Ladder cater to?

Ladder offers life insurance policies to people who are between 20 and 60 years old, as of their nearest birthday. The max term lengths vary depending on your age.

Customer Support

The customer support team that works at Ladder is known for being very responsive and helpful no matter what type of issue you are experiencing. There is a dedicated help center that can answer most of the questions you could have about the Ladder life insurance offering.

If your question still needs answering, then you can use the customer support contact options to get an answer. Phone lines are open Monday to Friday during regular working hours. There is also live chat as an option as well as having the ability to send an email.

Privacy & Security

Ladder offers life insurance policies from two top-named insurance companies: Allianz Life Insurance Company of North America and Allianz Life Insurance Company of New York. The latter issues policies specifically in New York, while the former issues policies for all other states and DC.
Allianz Life Insurance Company of North America and Allianz Life Insurance Company of New York both have A+ ratings from AM Best, affirmed in October 2021. These are indicators of strong financial security. Additionally, Ladder upholds customer privacy and security using administrative, physical, and technological safeguards.

In Conclusion

Ladder brings a very simple life insurance offering to the market. While there is not going to be much customization that you can do, Ladder offers the basic types of policies without there being need to undergo any sort of medical examination for claims of $3 million or less. This means that you will quickly be able to get coverage.

Brand Disclaimer

Ladder Insurance Services, LLC (CA license # 0K22568; AR license # 3000140372) offers term life insurance policies: (i) in New York, on behalf of Allianz Life Insurance Company of New York, New York, NY (policy form # MN-26); and (ii) in all other states and the District of Columbia on behalf of Allianz Life Insurance Company of North America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to issue life insurance in the state of New York. Insurance policy prices, coverages, features, terms, benefits, exclusions, limitations and available discounts vary between these insurers and are subject to qualifications. Each insurer is solely responsible for any claims and has financial responsibility for its own products.