Tired of the old school life insurance experience? Learn more about Ladder Life Insurance on Your Terms. No Agents Required. Up to $8MM in Term Life. No Agents Required. Apply Today Online. Instant Decision. Ages 20 to 60. Up to $8MM of Coverage. No Policy Fees.

Ladder is life insurance built to be instant, simple and smart. We offer direct-to-consumer, term life insurance online. We do not charge fees.

Ladder offers term life insurance for those between 20 – 60 years old. The simplest and most cost-effective policy, term life offers coverage for less cost.

Ladder down means the policy holder can reduce their policy’s face value if they need less life insurance. Premiums will decrease proportionately.

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