Home Life Insurance Ladder Insurance Review 2018

Ladder Insurance Review 2018


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates.

Ladder Insurance

At a glance

  • Offers term life insurance in most states to people ages 20 to 60
  • Customers apply for and manage policies directly online; there are no commissioned sales agents
  • Life insurance medical exams aren’t required for everyone; coverage can begin within minutes after applying

Get a quote


Ladder is an insurance startup offering term life insurance to people ages 20 and 60. The company launched in California in January 2017 and expanded to most other states by the end of the year. The company promotes a streamlined experience, with policies sold and managed online without the use of agents, and instant coverage decisions that allow customers to get insured minutes after applying.   

Ladder lets customers decrease their coverage amount when their needs change. (You can also apply for more coverage as needed.)

Ladder life insurance coverage information

Products offeredTerm life insurance

Term options10, 15, 20, 25 or 30 years

Age availability20 to 60, as of nearest birthday when applying

Medical exam required?Varies by applicant

Can be rejected?Yes

Available inAll states except Florida, Georgia, Idaho, Indiana, Kansas and New York

Financial strength

Ladder has partnered with Fidelity Security Life Insurance Co., which has an A- (Excellent) score from ratings agency A.M. Best.

Financial strength is important because it indicates how likely is is that a claim will be paid. It’s especially important when choosing a life insurance company because claims might not be made until decades after a policy is purchased.


Please enter your comment!
Please enter your name here