In most states, Ladder offers term lengths from 10-30 years. Term lengths are in increments of 5 years (10 years, 15 years, 20 years, 25 years, and 30 years). Your age plus your term length cannot exceed 70. For example, if you are 55 years old, the longest term length we can offer is 15 years. Keep in mind that if you're within six months of your next birthday, you'll be underwritten at the age you'll be at that birthday.