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, New York, NY and partnered with Fidelity Security Life Insurance Company® Kansas City, MO, and Allianz Life Insurance Company of North America, Minneapolis, MN to issue policies in all other states and DC.