Ladder is life insurance built to be instant, simple and smart. We offer direct-to-consumer, term life insurance online. We do not charge fees, and we do not employ commissioned sales agents. Ladder is for people who value a streamlined process - you can apply online in minutes and receive an instant decision.

Ladder has partnered with Allianz Life Insurance Company of New York to issue policies in New York (Form #: MN-26) and partnered with Fidelity Security Life Insurance Company to issue LadderLife policies in the other states including DC.