Our Easy, Online Application & Instant Decisions

You can apply for life insurance coverage with Ladder right now via our online application. If eligible, you can get approved and have immediate coverage within minutes.

This represents a sea-change in the life insurance industry. With other companies, you typically need to find a sales agent, learn about all their various products, determine your needs, submit application paperwork, complete an in-person medical exam, have a phone interview with the insurer, then wait up to several weeks for an underwriter to approve your application.

The Ability to Ladder Your Policy, on Your Own

The insurance you need today may be quite different than what you’ll need five years from now. For this reason, we designed the ability for you to ‘Ladder’ easily: you can apply for more coverage or decrease your coverage, right on your Account.

So, for instance, if your child graduates from college or you pay off your mortgage, you can eliminate the amount of your coverage that was intended to provide for those things and subsequently lower your monthly price. In fact, regularly ‘Laddering’ your coverage down over the years can save you thousands of dollars.