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 Fidelity Security Life Insurance Company to issue LadderLife™ policies and with Hannover Life Reassurance Company of America to reinsure the policies.