Resident Status Eligibility

Ladder offers coverage to U.S. citizens or lawful permanent residents who have lived in the United States for more than 2 years.

Age Eligibility

Ladder offers coverage to people who are between the ages of 20 and 60 as of their nearest birthday. (For example, if you were born on March 11, 1985, and today was November 21, 2016, your application age would be 32 since you are closer to your next birthday than your last birthday).

There are some restrictions related to the length of term you can purchase based on your age. Your current age plus the term length cannot exceed 70 years. For example, if you are 55 years old, the longest term we can offer you is for 15 years.

Here’s a simple chart to demonstrate.