Affordable, 100% digital term life insurance from $100k to $3 million with the ability to adjust your coverage as life changes. Issued by carriers with excellent ratings.

Ladder ranked among the top in a Forbes Advisor analysis of the best instant life insurance companies, especially for shoppers seeking high coverage amounts. For those who qualify, Ladder’s...

Dec 17, 2025 · Ladder offers same-day term life insurance online. Learn more about its pros, cons and coverage now.

Sep 19, 2024 · Ladder Life Insurance has some of the most affordable life insurance rates. It offers great coverage for younger applicants, but terms start waning for older applicants, starting at 40 years...

Jan 1, 2025 · Ladder is a digital-first term life insurance company that lets you adjust your coverage as often as you want and at no extra charge. That can be a game-changer as you cross life milestones...

Jan 2, 2026 · Ladder is a digital life insurance company that offers term life insurance policies. Customers can choose from terms ranging from 10 to 30 years, and death benefits from $100,000 to …

Jan 5, 2026 · Ladder offers flexible term life insurance with coverage you can increase or decrease anytime, no medical exam required for up to $3 million, and fast online approval.

Dec 29, 2025 · Read our comprehensive Ladder life insurance review to learn about available policy options, pros, and cons in 2026.

Ladder is using technology and design to make the kind of life insurance we want for ourselves: Easy, intuitive, affordable and human. Term life insurance online made easy.

Get covered today, have peace of mind for decades to come. Ladder is life insurance built to be instant, simple and smart. We offer direct-to-consumer, term life insurance online. We do not charge fees, …