At Ladder, every customer is underwritten individually. That means that it is impossible to predict whether you will be asked to complete a health check or not.

What we can tell you is that any required health checks are free. A traveling technician will come to your home or office—wherever it’s convenient for you. During your appointment, the technician will ask you a few questions, measure your height and weight, take your blood pressure and pulse, and collect a urine and blood sample.