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 (in most states).

Age eligibility

In most states, Ladder offers coverage to people ages 20-60, as of their nearest birthday. If you're within six months of your next birthday, you'll be underwritten at the age you'll turn on that birthday.

For more information on age eligibility and term lengths, visit What term lengths do you offer?