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Bottom Line: For Life Insurance shoppers prioritizing fully online application process, Ladder is hard to overlook. Compare rates carefully before committing.
Overview
Ladder offers a fully online process for coverage up to $3M with no policy fees and the ability to cancel anytime. They have a 9.8/10 Trustpilot rating.
Ladder specializes in providing services in online term life insurance, quick application process, flexible coverage.
On the plus side: fully online application process, no policy fees, flexible coverage options. The trade-offs? limited to term life insurance, no permanent life options.
Key Features
- Apply 100% online in 5 minutes
- Fully online process for coverage up to $3M
- No policy fees, cancel anytime
- Save money over time on premiums with customizable coverage
- 9.8/10 Trustpilot rating as of 6/4/2025
Rates & Fees
Breaking down the costs.
- Plans start at $15/mo
- Fees: No policy fees
Insurance pricing varies by coverage level, age, and location. Get a personalized quote to see your actual rates.
Who Is This For?
Ladder is geared toward those looking for fully online process. Particularly strong for anyone in the market for online term life insurance, quick application process, flexible coverage.
This might not be the best fit if limited to term life insurance is a dealbreaker for you.
Application Process
Quick online application — about five minutes to complete. Decisions come back fast, often the same day.
How Ladder Compares
Ladder competes as a value player in life insurance. Rates are competitive, though the feature set is more streamlined than some alternatives.
With a rating of 9.4/10, it ranks among the stronger options available.
Best For: Fully online process
Response Time: 5 minutes
