Ladder: Term Life Insurance 12+

Smart, Affordable and Instant

Ladder Financial Inc

    • 4.9 • 1.3K Ratings
    • Free

iPhone Screenshots


Ladder offers term life insurance from your phone. Get a free price estimate in under two minutes, use our coverage calculator, or apply for coverage and activate your policy right away. We’ve made it easy to apply for life insurance from a reputable company — and, thanks to our real-time underwriting and Apple Health integration, we’ve made it fast, too. You could earn cash by referring your friends.

Ladder offers $100,000-$8 million in coverage, for 10-30 year terms to people between the ages of 20 and 60 in all fifty states.

“Easiest application process I have encountered. Competitive rate and the only TRUE instant decision I’ve been dealt.”
- Gregory, 35, Pennsylvania


This straight-forward tool helps you find out how much life insurance you need. Just tell us a bit about yourself, and we’ll crunch the numbers for you. You can even share your calculator results, without leaving the app.

In under two minutes, you’ll see a completely personalized price. Simply answer a few quick questions about your lifestyle and health. Then, you can continue your application to see if you’ve been instantly approved.

Most people find life insurance intimidating. What is life insurance? What’re the different types of life insurance? Which one’s right for me? How much does it cost? Find answers to these questions, and more, within our handy life insurance guide.

We’d much rather pay you to spread the word about Ladder than buy ads. Share your unique referral link through the app, and get $50 for each person that gets an offer. Eligibility varies (see terms for details).

- No hidden fees and no cancellation fees
- 30-day money back guarantee
- Real-time underwriting allows for on-the-spot coverage
- Ladder offers flexible coverage: you can decrease your coverage (and premium) when your mortgage gets paid or your kids grow up. It also means you can easily apply for more coverage if you need it.
- Our customer support team doesn’t work on commission. Rather, it focuses on providing clarity and answering any questions you may have.
- Our policies are issued by Fidelity Security Life Insurance Company® Kansas City, MO rated A (Excellent), Allianz Life Insurance Company of New York rated A+ (Superior) and Allianz Life Insurance Company of North America rated A+ (Superior).* All three insurers have been supporting families and paying claims for decades.

- Terms of service:
- Privacy policy:
- Ladder Referral Program Terms:
- Notice to California residents: See our CA Notice of collection:
- Prices vary and are subject to underwriting
- *Allianz Life Insurance Company of New York and Allianz Life Insurance Company of North America have been rated A+ (Superior) affirmed in September 2020 and Fidelity Security Life Insurance Company® has been rated A (Excellent). Ratings are based on an analysis of financial position and operating performance, by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access
- Ladder offers term policies in New York (policy form # MN-26) that are issued by Allianz Life Insurance Company of New York, New York, NY. Term policies are issued in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis, MN (Policy form # ICC20P-AZ100 and # P-AZ100) and Fidelity Security Life Insurance Company®, Kansas City, MO (policy form No. ICC17-M-1069, M-1069 and Policy No. TL-146). Ladder California license number OK22568. Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York.

© LADDER FINANCIAL INC. All rights reserved.

What’s New

Version 2.6

Bug fixes and minor UI enhancements have been made

Ratings and Reviews

4.9 out of 5
1.3K Ratings

1.3K Ratings

Kyris0804 ,


This was a simple process. At first I struggled to complete everything online, I called a representative and she guided me through every step until I was completely done. Staff has patients with everyone and are willing to answer any questions and help anyone with the process. Get life insurance and make sure your loved ones are taken care of the day you leave this earth. This is by far the best life insurance company out there, simple process and can be finished pretty quickly.

Miminoucheka ,

Easy and simple

For what I’ve been hearing about life, insurance companies and policies, I was a little bit uneasy when I saw this particular one.
But to my surprise, it was great. I got to pick something that works great for me and the monthly payments are perfect. I answered all the questions and a week later I was approved and everything was and is still going good. I have recommended this one to other people and I will recommend continuously

LAC_2020 ,

So easy!!

Easily the best app for life insurance I’ve come across. I wasn’t that familiar with the process before getting started and I love that they have so many resources available on here. It’s not just an application, it also a learning tool which I really needed!! The application itself was easy too.

App Privacy

The developer, Ladder Financial Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Health & Fitness
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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