First off, we're sorry we don't have better news.

Our underwriters consider many factors when underwriting your application. You should have received an email from Ladder detailing the specific reasons for your decline and, if applicable, the party you can contact to correct information on your record, if you find a discrepancy.

If you never received our email or need help contacting someone to correct your information, send us a message at help@ladderlife.com

Please note that every insurer underwrites risk and assesses applications differently. We encourage you to consider applying with other insurers as they may be able to offer you coverage.