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Life Insurance
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Last Updated: 12/01/2025

Ladder

in Life Insurance from Ladder

Last Updated: 12/01/2025

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Strongly recommended13 total votes
13 users recommend
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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

13
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Ladder Review

Ladder Pros & Cons

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.

Ladder 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.

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Message from Ladder

Ladder is life insurance for today’s consumer, for people who expect to be able to shop online, who maybe didn’t even know that the traditional process can take more than two months instead of 5 minutes. With affordable pricing and terms ranging from 10 - 30 years, Ladder offers $100K - $8M in coverage for people ages 20-60 through a streamlined, digital-first experience with no medical exams for coverage up to $3M.

It’s life insurance for people who want term coverage on their terms, who expect to be able to control their policy (and their payments) as their needs change over time. We know it's not always easy to protect your people—that's why we've created a painless way to get the life insurance coverage you need for those you care about most.

Contact

Headquarters

P.O. Box 456
Menlo Park, CA 94026
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Hours of Operation

Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day

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