How Much Does Life Insurance By Ladder Cost?



Advertising Disclosure:  Companies we recommend may pay us a referral fee. Learn more.

Two older adults sitting in the back of a SUV hatchback enjoying an apple orchard view

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

  • Product Name: Ladder Life Term
  •  Face Amount: $100,000 to $8,000,000
  • Issue Ages: 20 to 60
  • Level Period: 10 ,15, 20, 25, & 30 Years

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!

A middle aged couple are standing outside of their car enjoying the sunset view while holding each other.

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