Summary:
Your actual life insurance rates may be different that the sample quotes shown and will depend on your...
- Age
- Health
- Hobbies
- A smoker or not
Keep in mind you WILL NOT know your exact cost until you complete the application and are underwritten and approved by the life insurance company.
See our full review, Ladder Life Insurance Review - Pros and Cons - Frequently Asked Questions, to get all the details about Ladder Life.
Quotes are quick, easy, and free!
LADDER PRICING AND FEES
Ladder Life pricing is good to average relative to the competition in the life insurance market place. There are no hidden fees and it does not cost you anything to apply for coverage. The only money coming out of your pocket is the premium for the policy if you actually decide to buy.
HOW MUCH DOES Ladder TERM LIFE INSURANCE COST?
Ladder Term Life can cost as little as pennies per day if you are young and healthy and as much as hundreds of dollars per month if you are older and in average health. You can run a personalized quote on the Ladder website to see what your estimated cost will be. Your actual cost will come after you apply and are approved by the company.
Quotes are quick, easy, and free!
QUICK VIEW
Ladder UNDERWRITING CLASSES
- Preferred
- Standard
- Substandard
- Tobacco
Ladder ADDITIONAL RIDERS
- Ladder offer NO additional riders such as a child rider or wavier of premium. ***BUYER BEWARE*** There are NO LIVING BENEFITS in case you become terminally ill and need to access your death benefit to pay for medical expenses. This is an important rider to have in these uncertain times of COVID-19.
Conversion: Ladder offers no permanent life insurance product such as whole life or universal life to convert into. ***BUYER BEWARE*** Conversion may be a necessary feature to have if you become sick and uninsurable and are faced with an expiring term life insurance policy.
Shortcut: Our #1 choice for life insurance with health issues is AIG Direct. If you have any history of heart disease, diabetes, cancer, stroke, or obesity, click here for a free quote.
Ladder TERM LIFE INSURANCE PROS
- Competitive prices at younger ages and easy to purchase. Most people do not have to take a medical exam.
CONS OF Ladder TERM LIFE INSURANCE
- Not available over age 60.
- Term only. No permanent products to purchase or convert into.
- No riders including NO LIVING BENEFITS.
Ladder SAMPLE MONTHLY QUOTES
Quotes assume the best available underwriting class. Actual prices may be different. Click here to get your personalized quote.
Monthly Term Life Insurance Quotes (Age 30 - Male)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $11 | $12 | $14 | $19 |
$250,000 | $14 | $17 | $19 | $26 |
$500,000 | $20 | $24 | $25 | $42 |
$1,000,000 | $32 | $37 | $44 | $74 |
Monthly Term Life Insurance Quotes (Age 30 - Female)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $11 | $12 | $13 | $17 |
$250,000 | $13 | $16 | $19 | $26 |
$500,000 | $19 | $22 | $22 | $34 |
$1,000,000 | $28 | $35 | $36 | $58 |
Quotes are quick, easy, and free!
Monthly Term Life Insurance Quotes (Age 40 - Male)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $12 | $13 | $17 | $25 |
$250,000 | $17 | $20 | $27 | $43 |
$500,000 | $26 | $32 | $37 | $67 |
$1,000,000 | $40 | $51 | $66 | $122 |
Monthly Term Life Insurance Quotes (Age 40 - Female)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $12 | $13 | $15 | $21 |
$250,000 | $17 | $19 | $24 | $37 |
$500,000 | $25 | $30 | $32 | $54 |
$1,000,000 | $38 | $50 | $56 | $95 |
Quotes are quick, easy, and free!
Monthly Term Life Insurance Quotes (Age 50 - Male)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $32 | $27 | $32 | N/A |
$250,000 | $36 | $48 | $59 | N/A |
$500,000 | $60 | $81 | $105 | N/A |
$1,000,000 | $103 | $146 | $197 | N/A |
Monthly Term Life Insurance Quotes (Age 50 - Female)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $18 | $21 | $26 | N/A |
$250,000 | $30 | $36 | $47 | N/A |
$500,000 | $50 | $60 | $78 | N/A |
$1,000,000 | $86 | $106 | $142 | N/A |
Quotes are quick, easy, and free!
Monthly Term Life Insurance Quotes (Age 60 - Male)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $42 | N/A | N/A | N/A |
$250,000 | $84 | N/A | N/A | N/A |
$500,000 | $155 | N/A | N/A | N/A |
$1,000,000 | $290 | N/A | N/A | N/A |
Monthly Term Life Insurance Quotes (Age 60 - Female)
Coverage | 10 Year | 15 Year | 20 Year | 30 Year |
|---|---|---|---|---|
$100,000 | $32 | N/A | N/A | N/A |
$250,000 | $61 | N/A | N/A | N/A |
$500,000 | $105 | N/A | N/A | N/A |
$1,000,000 | $192 | N/A | N/A | N/A |