Ladder Life Insurance Review

Rating: 7.7 / 10 (Very good)
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Founded in 2015 in California, Ladder Insurance Services, Inc. offers term life insurance online. Ladder helps customers quickly and easily get a quote and obtain term life insurance, if they qualify. The company sets itself apart from competitors by waiving policy fees, foregoing commissioned agents and providing a streamlined application process. Ladder's term life policies are underwritten by Fidelity Security Life Insurance Company and re-insured by Hannover Life Reassurance Company of America.

How is Ladder rated?


Financial Strength
Customer Experience

Overall Rating: 7.7 / 10 (Very good)

Ladder believes that obtaining a good life insurance policy should be smart, safe, and straightforward. That's why they offer a life insurance product that saves their clients time, money, and effort. Their approach to life insurance is innovative and obtaining a policy from them is quick. However, Ladder only offers term life insurance options. Policies are available across 44 states, and the company aims to be nationwide by early 2018.

Financial Strength

Key Details

Fidelity Security Life Insurance Company
AM Best Financial Rating
Additional Financial Information
Ladder Insurance Services, Inc.'s product is also re-insured by Hannover Life Reassurance Company of America. Hannover carries a grade of A+ with AM Best, and an AA- with Standard and Poor's.

Financial Strength - 8 / 10

Customers who purchase insurance through Ladder can be confident in the company's financial stability and creditworthiness. Ladder works in partnership with Fidelity Security Life Insurance Company, which holds an A.M. Best rating of A- (Excellent). All Ladder policies are also reinsured by Hannover Life Reassurance Company of America, which holds ratings from Standard & Poor’s (AA-, Very Strong) and A.M. Best (A+, Superior).
*The above information reflects the financial strength of the underwriter of the Ladder life insurance policies: Fidelity Security Life Insurance Company.

Reputation & Customer Experience

Customer Ratings

BBB Rating
Date Collected

Customer Experience - 8 / 10

Ladder has received mostly positive customer reviews and has a Trustpilot rating of 7.4 (Great). Client feedback praises the company's simple and efficient application process, competitive rates, and overall excellent user experience.

Ladder Policies

Ladder offers customers the following life insurance policies: Term. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the Ladder Term Life policy.

Term Life Insurance

Minimum Age
Maximum Age
Minimum Death Benefit
Maximum Death Benefit
Available Terms
10 year
15 year
20 year
25 year
30 year

Policies - 7 / 10

Ladder offers 10 to 30-year term life policies for customers between the ages of 20 and 60. Despite the fact that their offering is limited in its policy options, the company does provide a good range of term life coverages as well as a streamlined application process.

Flexibility & Available Riders

Flexibility - 7 / 10

Despite their fresh approach to life insurance, Ladder doesn't offer any optional riders or supplemental coverages to customize their term life policies, which leaves them at a slight disadvantage when compared with similar competitors.

Additional Company Information

Homepage URL
Headquarters Address
Palo Alto, CA
Year Founded

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