Is Ladder the right fit for you?
Last Updated: 12/01/2025
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Highlights
Community Rating
Strongly recommended
Term Life Death Benefit Range
$100,000 - $8,000,000
Term Options
Term Life
Financial Strength Rating
A(Verified 12/01/2025)
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Number of Reviews
Ladder Review
Ladder Pros & Cons
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Ladder is a life insurance carrier based in Menlo Park, CA. The company was founded in 2015 and offers life insurance products in 50 states (and Washington, DC).
Ladder FAQ
What types of life insurance products does Ladder offer?
Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.
Here is a brief description of life insurance options Ladder offers.
- Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Ladder offers term lengths ranging from 10 to 30 years. Death benefit amounts range from $100,000 to $8,000,000.
What is SuperMoney's financial rating of Ladder?
The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Ladder an A or excellent, which is SuperMoney's second highest available score for life insurance companies.
SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.
Provider Disclosure: Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Ladder
Hours of Operation
SundayAll DayMondayAll DayTuesdayAll DayWednesdayAll DayThursdayAll DayFridayAll DaySaturdayAll Day
Other Services by Ladder
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Ladder Community Reviews
Would you recommend Ladder to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
Ladder is a life insurance agency.
ladder has been in business for 6 years they started in 2015.
There are some highlights they are,
1.- community rating strongly recommended
2.- financial strength rating A
MA
Muhammad A.
Jul 23, 2022
Would Recommend
Ladder is a life insurance agency.
ladder has been in business for 6 years they started in 2015.
There are some highlights they are,
1.- community rating strongly recommended
2.- financial strength rating A
OM
Okera M.
Jul 23, 2021
Would Recommend
I think Ladder is fantastic. Anybody interested should try it. A very high-value time product, probably the best on the market.
Michael B.
Jul 20, 2021
Would Recommend
I have never been so pleased by a life insurance company. Unlike almost every other company my family and I have dealt with, Ladder Life Insurance doesn't play any tricks. They are direct and straight to the point. Their customer service is simply extraordinary. You will not once feel as if you are being sold something. They are their to sail your ship in the most suitable way they can.
FC
Florencia C.
Jul 16, 2021
Would Recommend
Ladder controls the underwriting and risk analysis, which means they are able to return quickly with a decision. Excellent customer service that focuses on helping you rather than selling to you. It also provides great financial security.
AW
Aven W.
Jun 21, 2021
Would Recommend
Though policy selections with Ladder life insurance company are rather restricted, this insurer takes a novel approach to flexible coverage: your death benefit can be increased or lowered as needed. This means that you may simply make fee-free changes to your policy if you ultimately need more coverage (when you get married, purchase a house, or have children) or less coverage (when you pay off your home, reach retirement age, ...Show More
Shane T.
Jun 9, 2021
Would Recommend
Ladder is a life insurance agency.
ladder has been in business for 6 years they started in 2015.
There are some highlights they are,
1.- community rating strongly recommended
2.- financial strength rating A
Ladders hours of operation are every day all day.
You can contact Ladder by E mail or mail or visit there web site
So if you need life insurance Ladder should be checked out.
AA
Adam A.
Jun 3, 2021
Would Recommend
The thing I love about this company is that they keep everything very simple, unlike some other insurance companies who get everything twisted and cause more problems, Ladder definitely got to be the opposite of that.
RP
Rene P.
May 29, 2021
Would Recommend
Sitting down and talking about life insurance is one of those things you don't want to have to do with your spouse. Ladder was one of the last companies I looked at before committing to a policy. Given my occupation and state, it made the most sense to use them to ensure my family is taken care of. The application took some time to complete like any other life insurance ...Show More
SA
Samuel A.
May 18, 2021
Would Recommend
Ladder life insurance has to be the best insurance company i have used so far, i feel great knowing Ladder Life got my family and I covered. The agent my family worked with was friendly and simple. I strongly recommend.
Imoleayo L.
May 5, 2021
Would Recommend
Getting life insurance has never been so easy with Ladder Life Insurance. The transparency in their policies gave me confidence in what I was getting and their customer service is top notch.
U
Anonymous
Mar 15, 2021
Would Recommend
Fast, easy, and better prices than the other online options I looked at.
AS
Andrew S.
Oct 23, 2020
Would Recommend
The entire application process was a breeze to get through and wasn't stressful, like other companies I had dealt with in the past. I am satisfied with their customer support, and the policy quote came faster than I imagined. I recommend their service to anyone who needs affordable life insurance.
Showing 13 of 13 reviews
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