The short answer is: it depends, but Ladder strives to make the process as quick and easy as possible.

You can complete our online application in just a few minutes. Some customers can get approved and begin their life insurance coverage in about 5 minutes. We've even heard stories from customers who applied and started their life insurance policy while in line at the grocery store!

But every application is underwritten individually, so we might need more time to review your application and get medical records from your doctor. This can take a few days or a few weeks. We'll keep you posted along the way and you can always email help@ladderlife.com for a status update.