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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.