Ladder

Ladder offers direct-to-consumer life insurance policies that give you control over your coverage amount, years of coverage, monthly costs and more. Ladder allows you to “ladder” down your life insurance over time as your needs change, a process that can save you money. You can also apply for more coverage anytime.

To find out if you qualify for insurance through Ladder, visit its website and fill out the online application. You receive an estimated cost of coverage and information about potential health checks or tests that Ladder may need before you receive an offer for coverage.

Ladder partners with Allianz Life Insurance Company of New York to issue policies in New York and Fidelity Security Life Insurance Company, Kansas City, Missouri, to issue policies in all other states and Washington, D.C.

Ladder offers coverage amounts that range from $100,000 to $8 million. Ladder’s term lengths range from 10 to 30 years. It’s important to note that the larger your death benefit amount, the more you’ll pay for coverage each month.

Ladder offers coverage amounts that range from $100,000 to $8 million. Ladder’s term lengths range from 10 to 30 years. It’s important to note that the larger your death benefit amount, the more you’ll pay for coverage each month.

To get an accurate quote, Ladder asks for the following information:

• Your gender
• Your height
• Your weight
• Your nicotine and tobacco history
• Your birthday
• Your family’s health history
• Your annual income
• How many children you have
• Your remaining mortgage balance

For a 5-foot-6-inch, 40-year-old woman of average weight with no history of tobacco or nicotine use and no family history of disease, the estimated monthly coverage is about $56 for a $1 million death benefit.

Yes, Ladder is a legitimate and reputable life insurance option. The life insurance policies offered by Ladder are straightforward, and the company doesn’t charge fees for canceling or altering your coverage. While it’s more difficult to qualify for Ladder’s coverage if you have existing health conditions, we recommend Ladder for anyone searching for simple term-life insurance plans.