We get it, you’re busy.

If you qualify we’ll cover you instantly, end of story. No sales calls, no waiting period, no shenanigans.

1.Complete our quick application

2.Get an instant decision3.Accept your offer

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Our prices are super affordable — and straightforward.

We don’t have commissioned sales agents. We have smart algorithms that work in real time to give you the best price we can.

We don’t charge fees (unfortunately most companies still do).

You can cancel anytime.

If you cancel within 30 days, you’ll even get a full refund.

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Our coverage fits you like a glove.

Kids, mortgages, careers… your coverage needs will change over time. No sweat, we keep up.Lock in your best rate today, adjust it tomorrow.Decrease your coverage (and price!) as often as you need.Apply for more coverage in a few clicks.

Life Insurance You'll Love (Really)

Built To Last.

We’re here to help you navigate life insurance. Whether you are just starting to think about coverage or you are a long-time happy customer, we plan to be here for you far into the future. Ladder has partnered with Fidelity Security Life Insurance Company to issue LadderLife™️ policies and Allianz Life Insurance Company of New York to issue policies in New York.

Get Started Today!