We have built a tool to help our customers estimate the cost of a policy.

After you get your estimate, if you want to go a step further to see what your actual monthly price would be, you can fill out an application online. It only takes a few minutes and there’s no obligation to accept an offer — the choice to proceed is always up to you. We’ve designed our application process with the customer in mind so that it is easy, straightforward, and delightful. You can apply for life insurance coverage with Ladder right now via our online application and receive an instant decision within the next few minutes.

This represents a sea-change in the life insurance industry. With other companies, you usually need to find a sales agent, learn about all their various products, determine your needs, submit application paperwork, have a phone interview with the insurer, then wait a number of weeks for an underwriter to approve your application. With Ladder, the process can take as little as 5 minutes.

If you have questions, you can always reach out. The licensed life insurance agents on our customer experience team are here to help.