Coverage to meet your changing needs.
Buying a home. Children. Retirement. With flexible term life insurance through Ladder, you can customize your coverage to meet your changing needs as life moves forward.
- Ladder up: It’s free and easy to apply for more coverage when you need it.
- Ladder down: Don’t pay for coverage you may no longer need.
Reduce your coverage amount (and premiums) as your needs change, saving you money over time.
Ladder is completely digital. There are no doctors, no needles, and no paperwork when you apply for $3 million in coverage or less. And our members and their families may be eligible for a life insurance policy no matter where they live in the United States.
With Ladder, you can:
- Apply online in as little at 5 minutes.
- Enjoy the flexibility of decreasing your coverage or applying for more when you need it.
- Log on anytime to add beneficiaries, change your policy details, or even cancel coverage.
- Get started today and receive a no-obligation price estimate.
Get started with Ladder life insurance.