Ladder Review
Visit site

Ladder Reviews

Andrew Omalley


Andrew Omalley

Simple Life Cover Quickly
Simple Life Cover Quickly
About Ladder

Ladder Life Insurance is a firm that has been fully in operation since 2017. It has its base in Palo Alto, California and caters to life insurance customers in every state. It uses the likes of Allianz and Fidelity to underwrite the policies.
To date, Ladder has provided customers with over $49 billion worth of coverage. It is a company best suited for people who are looking for a very simple policy that does not have many steps in order to activate.









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 Highlights


$100,000 - $8,000,000


10, 15, 20, 25, 30 years


Not required



Pros & Cons

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

Policy Types

  • Term insurance

Optional Add-Ons


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.

State Availability

Available in all states

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.

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.

Phone Support
(844) 533-7206
Mon - Fri
8:00 AM 5:00 PM PT
Sat - Sun

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.


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.

Ladder 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.


This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.


Andrew Omalley

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.