• 100% online process from start to finish for coverage up to $3M.
• Instant coverage available for ages 20 to 60 if approved
• Policies available with 10- to 30-year terms
• Save money on premiums over time with Ladder’s flexible coverage feature
• No policy fees, 30-day money-back guarantee, cancel anytime
• Licensed and experienced customer service reps available to answer questions

• Plans for every budget - cash value available
• Easy online application - no medical exams
• 4.8 Google rating and A+ Better Business Bureau rating
• Quickly pre-qualify for lifelong coverage with personalized recommendation out of many insurers and products

• Approval in less than 15 minutes for as little as $7 a month
• Term periods ranging from 10 to 40 years
• Policies available to adults 20 to 75
• Coverage available in all 50 states
• 1.3 million policies written in the US
• Highly-rated for financial stability

Best for long-term financial growth and protection

• Age eligibility: 18 to 85 years old
• Builds cash value with potential dividend payments
• Access to flexible policy loans and withdrawals