Ladder Life Insurance Review

Rating: 7.9 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. Learn more.
How is Ladder rated?
Financial Strength
Customer Experience
Help and Support
Online Presence

Underwritten by Fidelity Security Life Insurance Company, Ladder Financial Inc. operates an online portal that was designed to offer simple, straightforward term life insurance coverage as quickly as possible. Some customers using the online application can get approved and covered within minutes. Any required medical examinations and labs are free and conducted by a traveling technician. The company does not charge fees, and is able to provide fast and inexpensive policies largely because they do not employ commissioned agents. 

Ladder Financial Inc. is so named because of their policy of letting existing customers "ladder" their life insurance policies. Meaning you are allowed to easily decrease or increase your coverage during the term as your life situation changes, i.e. you pay off your mortgage and no longer need as much coverage. 

Company Reputation

Ladder's term life insurance policies are underwritten by Fidelity Security Life Insurance Company. Founded in 1969 and based in Missouri, the company sells a variety of insurance products through a nationwide network of distributors, agents, and brokers. Fidelity is a BBB accredited business with a grade of A+. Ladder itself has been featured in the Wall Street Journal, Yahoo, and Fortune. 

Fidelity Security Life Insurance Company FSR

Standard and Poor’s


Moody’s Rating


A.M. Best FSR


Fitch Ratings



Ladder is not an online aggregator but offers it's own policies backed by Fidelity Security Life. The company offers only term policies of 10, 15, 20, 25, and 30 years. There are no associated fees, and sales and customer support are staffed by salaried employees that do not work on commission. Also, as mentioned previously, Ladder is unique in that it lets you change the coverage amount on your policies at will. To start off your quote, Ladder will need the following information:

  • Gender
  • Birthdate
  • Height and weight
  • Smoker
  • Zipcode
  • Coverage Amount
  • Term Length

To obtain a quote you will then be prompted to give your email and create an account

Sample Ladder Policy:


  • 41 year old male
  • 6 ft 
  • 220 lbs
  • Non-Smoker


10, 15, 20, 25, and 30 years

Coverage Limits

$100,000 - $8,000,000

Guaranteed level premiums

Yes, for the initial term

Affordable Coverage


Savings based on Health


Death Benefit


Medical Exam

Depends on customer

Help and Support

Ladder offers first class support from licensed life insurance professionals. Ladder's employees are salaried, and not there to talk you into coverage you might not necessarily need. Representatives are reachable via email, chat, and social media.

Life Insurance with Ladder Financial

Ladder was designed to get quick, generic term life insurance coverage with a fully online experience. If you live in the state of California, and this is the kind of coverage that fits your needs, Ladder is an optimal choice. The ability to change coverage amounts is truly useful. After all, one will definitely find one's financial obligations to their family changing, especially over the course of a 25 or 30 year term. Mortgages get paid off, children graduate, etc. Changing coverage amounts cause premiums to fluctuate and could potentially save someone a lot of money. However, if you are in need of a policy that's more substantial, with investment components or additional riders, you are going to have to go the more traditional, agent-driven route. 

Start your review for Ladder Life Insurance