Ladder Life Insurance Review: Pros, Cons & FAQ’s

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Ladder Life Insurance Review


Take the time to read the fine print.  Restrictions and limitations apply.  It is important to know what you are getting into before you buy.  We are here to help you make an informed decision.

If you are looking for simple, affordable, online life insurance while young and healthy, Ladder Life might be the perfect place!

In this Ladder Life Insurance review, we'll help you dive into the pros and cons and frequently asked questions about Ladder (and show you sample quotes) so you can compare them to other companies and make a great decision.

 We recommend you start with a quick quote:

Who is Ladder life?  A Quick Review

An insurtech company, Ladder Life Insurance launched in 2017.  Ladder Life is not a life insurance company.  They are a licensed producer and third party administrator.  Founded in 2017, Ladder has developed an online platform that allows you to apply for life insurance and possibly get instant approval.  They have teamed up with Fidelity Security Life  in 49 states and in New York with Allianz Life Insurance Company of New York.  These are the companies that you are actually providing the life insurance you are buying, not Ladder. 


  • Ladder allows applicants seeking up to $3M in coverage to go through the process 100% online from start to finish - no medical exams required. Ladder still offers coverage up to $8M, and applicants seeking coverage above $3M may require additional underwriting.
  • Competitive level 10, 15, 20, 25, and 30 year term life insurance policies from $100,000 to $8,000,000 for people ages 20 -60 years old. Some applicants will receive an immediate decision.  Some applicants may need to take a medical exam before receiving an approval.
  • Ability to increase or decrease coverage online as your financial needs change.  "Ladder up" means the policy holder can increase their policy’s face value or extend the length of the term.   The added coverage is priced separately, so the policy holder will receive a different cost for the higher amount of coverage and/or longer term.  Ladder down means the policy holder can reduce their policy’s face value if they need less life insurance.  Premiums will decrease proportionately to the reduction in the policy’s face value.

Quotes are quick, easy, and free!

Ladder Life Insurance Pros and Cons - Are they a good company


  • High-value term life insurance policies
  • An easy-to-use online life insurance application and management system
  • Fast underwriting decisions. Ladder controls the underwriting and risk analysis.  The application takes around 20 minutes to complete.  When done, the applicant will either receive an approval, a rejection, or a request for a medical exam.
  • Ability to increase or decrease coverage online as your financial needs change
  • Ladder does have a live chat option (with actual people) as well as a phone number posted to call in.  Although the applicant could go through without having to communicate with anyone, there is a team available to help or answer questions if anything comes up.  They’re salaried, not commissioned, so their role is help, not sell.

Pop Quiz:  Who would you say is the ideal Ladder Life Insurance buyer?

This may come as a surprise to some people but Ladder doesn't want "everyone's" business.  They cater especially to younger people who are in great health and specifically want term life insurance.  They don't offer permanent policies such as whole life insurance.

Skip the Needles!

Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

Quotes are quick, easy, and free! 


  • Only represents one A- company –  Fidelity Security Life Insurance Company.  No ability to compare other company’s costs.
  • Not eligible if older than age 60.  (Your age plus the length of the term policy can not exceed 70).  Maximum issue age for the 30 year term is age 40.  Maximum issue age for the 25 year term is 45.  Maximum issue age for the 20 year is age 50. Maximum issue age for the 15 year is age 55.  Maximum issue age for the 10 year term is age 60.)
  • Only offer term life insurance policies.  Whole life insurance, universal life insurance or guaranteed life insurance are not available.
  • No life insurance riders or supplementary coverage

Over Age 60?  Need permanent insurance?:  As you can see, Ladder specializes in term for younger folks.  If you are over age 60 or want permanent coverage like whole life insurance or universal life insurance, we can help. Click here for a quote.

Ladder Term LIfe INsurance 

Sample monthly Quotes

Sample rates below assume excellent health and no smoking.

Ladder Term Life Insurance

Sample Monthly Quotes


Age 30

Age 40

Age 50

$100,000 - 10 Year Term

Male - $11

Female - $12

Male - $32

$250,000 - 15 Year Term

Female - $16

Male - $20

Female - $36

$500,000 - 20 Year Term

Male - $25

Female - $32

Male - $105

$1,000,000 - 30 Year Term

Female - $58

Male - $122

Female - N/A

*Please note rates vary considerably based on your age, gender, tobacco use, health condition, state of residence, and even driving history.  We recommend getting a quote directly from Ladder where you can fill in your personal details to get an accurate quote.

Quotes are quick, easy, and free!

Looking for more sample quotes for Ladder?  We have an entire article for this!

Click "How Much Does Life Insurance By Ladder Cost?" to get the most recent sample quotes for Ladder Life.


  1. Are Ladder’s rates competitive? – YES.  Ladder’s term life insurance rates aren’t the lowest available, but they are consistently better than average when compared to those of the top insurers.  In addition, Ladder’s applicants may qualify for more coverage without a medical exam and pay significantly lower premiums verses a typical no exam policy.
  2. Will I need a medical exam or lab appointment?  It’s possible.  Every customer is underwritten on an individual basis making it difficult to predict whether you will need to have a medical exam. That said, in most cases, applicants don’t need to get a medical exam. If you do, it can be done conveniently at no expense to you.
  3. Can I still get coverage even if I’ve has some health problems?  Possibly.  Every customer is underwritten individually and receives a price based on many factors – (medical history, current health, age, and gender).  It is possible to be denied coverage due to health issues.
  4. Will applying to Ladder Life Insurance hurt my credit score? – No. Insurers look at the data behind your credit score – timeliness of payments or if you’ve filed for bankruptcy – but not your credit score itself.  The request for this data is only a soft credit inquiry and doesn’t impact your credit.
  5. What does Ladder Life Insurance Reviews say about their customer service? – The reviews tend to be positive.   Their website portal is very efficient in handling the life insurance application / underwriting process.  They have live chat and a phone number to call if you need or want to speak to someone.
  6. Are there any customer complaints about Ladder Insurance Life? – YES & NO.  Check the reviews on Trustpilot.
  7. Is the Ladder website good, safe and reliable to use when buying life insurance?  YES.  The Ladder Insurance platform appears to be safe and secure.  However, caution should be taken before entering your personal information on Ladder’s or any website.
  8. Is Ladder life a good company to use for estate planning? - YES.  Ladder life insurance, like all life insurance, can be an essential part of your estate plan.
  9. What is life expectancy? Life expectancy is the statistical expectation of how long someone will live at birth based on a number of factors such as socioeconomics, demographic, geographic, thermographic, stenographic, idiographic, and historiographics.


Select Your State for an Instant Quote


Ladder Life Insurance has good prices if you are young and health.

However, it is unlikely you will be approved by the Ladder Life Insurance algorithm if you are not in perfect health.  Even with mild "health conditions" you may be told you do not qualify.

 So if you are not perfect health, or not the ideal Ladder Life Insurance applicant, let us help you get quotes from multiple carriers that are more suited to your health profile.

Ladder Life Insurance Alternatives

Many of the following companies have better products and cheaper prices versus Ladder Life Insurance.  Some even offer no medical exam policies.

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AAA Life Insurance Review

Term, whole & universal life insurance are three types of life insurance products offered through AAA Life.

Bestow Life Insurance Review

Bestow Insurance offers term life insurance for people between the ages of 18 and 60, and in generally good health.  You can get coverage online in about 10 minutes starting at $10 a month.

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Ethos is not a life insurance company.  They are a licensed producer and third party administrator.  Founded in 2017, Ethos has developed an online platform that allows you to apply for life insurance and possibly get instant approval. 

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Fabric Life Insurance Review

Fabric Life offers affordable life insurance with easy, online quotes and application available 24/7.  The company uses algorithms to speed up the underwriting process, with well-qualified applicants getting approved without a medical exam.

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 SelectQuote Life Insurance Review

Since 1985, SelectQuote has saturated the advertising market with multiple TV, radio, & print adds per day.  This is the reason they are the #1 direct to consumer insurance agency.  BUT....

For more company information, please visit our Life Insurance Company Reviews Page.   If you’re searching for life insurance by term length or dollar amount, please visit this page

Written by:  Chris Lalor

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