Ladder Term Life Insurance
What Ladder publishes: "Some prices start at $5/month based on a 20-year-old male or female rated Preferred-Plus for a $100K policy for a 10-year term." (source). That is the carrier's own phrase, not a quote for you.
Your premium is set by Ladder after you request a quote on its site. It depends on the coverage you pick, where you live, your history and the carrier's own underwriting, and can be higher than any starting figure the carrier advertises.
Term life insurance from $100,000 to $3,000,000 applied for fully online; for $3 million in coverage or less the site states the application is 100% digital with health questions instead of an exam. Coverage can be adjusted (laddered) as circumstances change.
| $100,000 to $3,000,000 coverage | Listed by Ladder |
| 10-year and 20-year terms mentioned | Listed by Ladder |
| No doctors, no needles, no paperwork for $3 million in coverage or less | Listed by Ladder |
| Adjust coverage over time (laddering) | Listed by Ladder |
| 30-day money-back guarantee, then cancel any time without cancellation fees | Listed by Ladder |
| Discounts named on the carrier page | None listed |
| Features stated on the carrier page | Online quote, No medical exam, Cancel anytime |
| States | 50 states (source) |
| Who can buy | Open to everyone the carrier serves |
| How you get a quote | Online: "Just answer some questions about your health in our application." |
| Provider type | Licensed agency |
Ladder provides term life insurance online with real-time underwriting. Policies are issued by Amica Life Insurance Company, Fidelity Security Life Insurance Company and S.USA Life Insurance Company, Inc.
Legal entity named on the site: Ladder Insurance Services, LLC.
| Checked | Sep 23, 2026 |
| Carrier product page | https://www.ladderlife.com/ |
| Source | https://www.ladderlife.com/about |
Everything on this page is copied from Ladder's public website on the date above. Banrox does not set, estimate or adjust insurance prices, and does not verify coverage terms beyond what the carrier publishes.
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Compensation
Banrox may receive compensation from some carriers when you click or request a quote through links on this page. Compensation does not affect what is shown, which is taken from each carrier's public website as of the date displayed.
Coverage and prices
Coverage descriptions, discounts, state availability and any "starting at" price are shown as published on the carrier's website on the date above and may change without notice. They are not an offer of coverage. Your premium, eligibility and policy terms are set by the carrier.
