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Ladder Life Insurance Review


ConsumersAdvocate.org Rating: 10 / 5 ()
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Founded in 2015, Ladder is a California-based insurtech company that allows customers to quickly and easily shop and apply for term life insurance. The company sets itself apart from competitors by waiving policy fees allowing policyholders to adjust coverage anytime and providing a streamlined application process, all online. Ladder distributes products issued by multiple highly-rated insurers.
 
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How Do We Rate Ladder?

Breakdown

5.0/5
Company Stability
5.0/5
Reputation
5.0/5
Policies & Coverage

Our Overall Rating: 5 / 5 (Excellent)

Ladder believes that applying for a good life insurance policy should be smart, safe, and straightforward. That's why they offer a life insurance product that saves their customers time, money, and effort. Their approach to life insurance is innovative and applying for a policy from them is quick. However, Ladder only offers term life insurance options. Policies are available in most states.

Financial Strength

Key Details

Underwriter
Additional Financial Information

Company Stability - 5 / 5

Customers who purchase insurance through Ladder can be confident in the companies' financial stability and creditworthiness. Ladder has partnered with multiple highly-rated insurers.

Reputation & Customer Experience

Customer Ratings

Trust Pilot Rating
4.8 out of 5
Date Collected
2026-10-16

Reputation - 5 / 5

Ladder has received mostly positive customer reviews and has a Trustpilot rating of 4.8 (Great). Clients praise the company's simple and efficient application process, competitive rates, and overall excellent user experience. Moreover, Ladder is accredited by the Better Business Bureau and received an A+ rating from the organization.

Ladder Policies

Ladder offers customers the following life insurance policies: Term.

Term Life Insurance

Minimum Age
20
Maximum Age
60
Minimum Death Benefit
$100,000
Maximum Death Benefit
$8,000,000
Available Terms
10 year
15 year
20 year
25 year
30 year

Policies & Coverage - 5 / 5

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 and Available Riders

Flexibility & Available Riders - 5 / 5

Despite their fresh approach to life insurance, Ladder doesn't offer any optional riders or supplemental coverages to customize its term life policies, which leaves the company at a slight disadvantage when compared with some competitors. However, Ladder does offer the flexiblity to adjust coverage over time, allowing customers to lower their coverage as their needs change, thus reducing their premium payments and saving money over the life of the policy.

Additional Company Information

Homepage URL
https://www.ladderlife.com/
Headquarters Address
Palo Alto, CA
Year Founded
2015

DISCLAIMER

*Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

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Customer Comments & Reviews

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T
Tammi S
9/18/2021
Did what I just read say that you only cover until age 60?

lanard.isaac
6/10/2021
Ladder makes it difficult to cancel life insurance. We decided to go a different direction with life insurance due to Ladder does not offer permanent life insurance policy. All policies offered are temporary and we obtained a permanent policy that builds cash value. During the process the new insurance company is required to notify Ladder of the policy replacement. Ladder's response as follows: Thanks for considering Ladder for your life insurance needs. Recently, we received notice that you're looking to replace your coverage with Ladder. Is there something that you wish was different about your experience with Ladder? Are you just looking for a lower price? If price is an issue, I want...Read More

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