Ladder is for people who value a streamlined process. Ladder is life insurance built to be instant, simple and smart. We offer direct-to-consumer, term life insurance online. You can apply for life insurance coverage with Ladder right now via our online application, get approved, and even be immediately covered within the next few minutes.

At Ladder, every application is underwritten individually. That means that it is impossible to predict whether you will be asked to complete a health check appointment or not. However, if you’re required to complete a health check appointment, it typically adds a few weeks to our process.