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SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

14 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Term Life Death Benefit Range $100,000 - $8
Term Options Term Life
Financial Strength Rating A
Number of Reviews 14

Ladder Review

Ladder Pros & Cons

Pros Cons
  • Fully online application process for up to $3M in coverage.
  • Option to adjust your coverage whenever you want. Don't pay for more coverage than you actually need.
  • No medical exam is required for coverage up to $3M; just health questions are asked. Affordable; prices start at $5/mo.
  • Money back guarantee if you cancel in the first 30 days.
  • Offers life insurance policies that don't require medical exams.
  • Life policy terms of up to 30 years.
  • Strong financial rating
  • Available in all 50 states.
  • Does not offer a wide selection of life insurance policy types.

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.

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

Hours of Operation

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

About Ladder

View Ladder Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Max. Coverage $8
Financial Strength Rating A
Fully Online Enrollment Process
Life Insurance Features
  • Online Quotes
  • No Medical Exam Policies
  • Fully Online Enrollment Process
Term Length 10 - 30
Term Life Age Range 20 - 60
Term Life Death Benefit Range $100,000 - $8
Term Options Term Life
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 20

Ladder Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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