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Apply online
Complete a digital application and receive a decision quickly in many cases.
Flexible term life insurance
Protection for the people who make life worth living.
Explore digital term life insurance through Ladder, with coverage designed to adapt as your responsibilities change.
You’ll be redirected to Ladder’s website. Approval, pricing, coverage and availability depend on underwriting, age, health, state and other eligibility factors.
✓100% online application
✓Flexible coverage
✓No added affiliate fee
Coverage options$100K–$8MGenerally offered in most states; eligibility varies.
Life insurance that fits real life
A streamlined way to explore term coverage without paperwork-heavy meetings or confusing product bundles.
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Adjust as life changes
Eligible policyholders may apply to increase coverage or reduce it as financial needs evolve.
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Built around family
Choose coverage intended to support income replacement, debts and future expenses.
From “maybe someday” to covered
The process is designed to be simple, but every application is subject to underwriting and eligibility.
1
Answer a few questions
Share basic information about your health, lifestyle and desired coverage.
2
Review your offer
If eligible, review available term lengths, coverage amounts and personalized pricing.
3
Activate coverage
Accept your policy and manage it online. Some applicants may need more health information.
Simple by design
Coverage for a defined chapter of life
Ladder generally offers 10- to 30-year terms in five-year increments, subject to age and state availability.
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Multiple term lengths
Align coverage with a mortgage, income needs or children’s education.
Align coverage with a mortgage, income needs or children’s education.
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Potentially no medical exam
Many eligible applications up to $3 million may not require an exam.
Many eligible applications up to $3 million may not require an exam.
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Digital management
Access and manage eligible policy options online.
Access and manage eligible policy options online.
Start with your needs
What could coverage help protect?
Explore coverage with Ladder →Educational only; not financial, tax or insurance advice.
Common questions
Plain-English answers before you continue to the provider.
Is LadderLife an insurance company?
No. LadderLife is an independent affiliate website. We may receive compensation when visitors click our links and obtain a policy. Policies are offered through Ladder and issued by applicable insurance carriers.
Does everyone qualify without a medical exam?
No. Ladder states exams generally are not required for policies up to $3 million, but requirements vary. Additional information or a health check may be required.
How much coverage is available?
Ladder states it generally offers $100,000 to $8 million in most states. Available amounts depend on underwriting, eligibility and location.
What term lengths may be available?
In most states, Ladder offers 10-, 15-, 20-, 25- and 30-year terms. Maximum term length is affected by age.
Take the next step
See what protecting your family could look like.
Continue to Ladder to review personalized options and eligibility.
Check my options →