TERM LIFE INSURANCE
The way life insurance should be
Apply online and get an instant decision from our partner Ladder.
on Ladder’s website
For illustrative purposes only
HOW IT WORKS
100% online. Fast and easy.
Ladder offers term life coverage from $100K - $8M, starting at $5/mo.**
- Answer a few (easy) questions
- Most people can fill out the form in about 5 minutes.
- See if you’re instantly approved
- Get up to $3 million in coverage.***
- Activate your policy
- You can adjust the coverage or cancel at any time.
BENEFITS
Peace of mind for the future starts today
- Lock in an affordable rate
- Life insurance isn’t just for older people. The younger you are, the more affordable your life insurance policy is likely to be.
- Protect the people you care about
- Mortgage, tuition, childcare costs, and more — these are all expenses you help to ensure are covered if something happens to you.
- Adjust as you need it
- As you pay down your mortgage and your kids grow up (it really does happen), you may not need as much coverage.
WHY LADDER
Life may not be simple. But applying for life insurance can be.
Affordable, flexible coverage that you can get all online.
- Quick and easy.
- Takes as little as 5 minutes to get an instant decision on coverage of $3 million or less.
- 100% digital.
- Fill out the form online. Cancel any time without cancellation fees.
- Flexible policies.
- Adjust your coverage as time passes, so you pay for exactly what you need.
on Ladder’s website
FAQ
Frequently asked questions about life insurance
Ladder offers flexible term life insurance. This is the simplest and typically most affordable type of life insurance. It provides a lump sum to your beneficiaries if you were to die during a certain period of time, known as the “term.” Terms can be 10, 15, 20, 25, or 30 years, depending on your age.
With Ladder, you can do the entire application online and in many cases get an instant decision. Ladder also stands out for its flexibility. You’ll have the ability to adjust your coverage as your needs change. For example as your kids get older or your mortgage is paid off, you may need less coverage.
Most likely, yes. It’s not a topic most people are eager to think about. But if you have a partner, children, or parents who depend on you, life insurance provides a financial safety net if something unexpected happened to you. With life insurance, you’d have the peace of mind of knowing that your mortgage and other bills would be taken care of if you were to pass away during the policy term.
It depends, but Ladder makes the process as quick and easy as possible. The online application takes just a few minutes and some customers can get approved in about 5 minutes. In other cases, Ladder may need more time to review the application or get medical records.