Ladder offers an easy online application. You can apply in minutes and, in some cases, get covered instantly! Get started at ladderlife.com/apply

We also understand that your coverage needs change over time. With Ladder, you can easily increase or decrease your coverage at any time (we call this Laddering). Decreasing your coverage will actually lower your monthly premium. To increase your coverage, you can apply for an additional policy in your Ladder account. Learn more at How do I increase or decrease my current coverage? The availability of Laddering varies by product.