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See what reviewers are saying
Verified
I have had no issues with getting the original policy and then adding a second policy. Ladder has made covering my family affordable and given me a better piece of mind. I can get more coverage at a l... See more
Verified
I had some questions prior to completing my application. My questions where addressed timely and the customer service rep (BEN, I believe...?) was great. Once my questions were answered, approval and... See more
Verified
I’ve helped a lot of people get life insurance. This was a ridiculously easy and smooth experience, especially compared with the hassle it has been other places - for me personally and for clients I’v... See more
Company details
- #33 of 107 best companies in Insurance Agency
- #57 of 184 best companies in Financial Consultant
About Ladder
Written by the company
We started Ladder because we fundamentally believe life insurance is good—for people and communities. But at some point, it was hijacked by high pressure sales tactics, expensive products, and slow processes.
It’s time for better life insurance. Ladder gives you a smart, secure, straightforward way to take care of your people, while saving you time, money, and (lots of) hassle.
It’s time for better life insurance. Ladder gives you a smart, secure, straightforward way to take care of your people, while saving you time, money, and (lots of) hassle.
Contact info
100 Forest Ave, 94301, Palo Alto, United States
- 844-533-7206
- help@ladderlife.com
- ladderlife.com
Apply today
4.8
Excellent
3K reviews
Replied to 100% of negative reviews
Typically replies within 48 hours
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See how their reviews and ratings are sourced, scored, and moderated.
Verified
Easy to navigate website interface
Easy to navigate website interface. Great user experience and interactive user interface. Simple to follow and straightforward
February 3, 2026
Yes I apply for this insurance and yes…
Yes I apply for this insurance and yes I was turned down and I was forwarded to another insurance company because I am 65 years old that to me is discrimination people should not be allowed to do what they do and this company does it so if there's anybody out there looking for insurance and you are 65 or 60 and older don't apply here because they turn you down or they push you into somebody else that is to me is discrimination to the elderly and the reason being is they figure if you're young they can get many many years of money from you but when you're older they probably figure you're going to kick the buck and you're not going to get anything
January 20, 2026
Unprompted review
Reply from Ladder
Hi Annette, we're sorry to hear you didn't have a great experience. We transparently offer fully underwritten term life insurance to applicants ages 20-65, and recommend other life insurance products to anyone who is not a fit for Ladder's term insurance. We hope you were able to find coverage through one of our partners. If you need any help finding coverage please don't hesitate to reach out to us at help@ladderlife.com.
Verified
Verified
Verified
Simple, Easy & Quick.
My experience was very easy and simple. I was approved within a hour.
January 12, 2026
Reply from Ladder
Thanks for sharing, Steven! We're glad you're covered.
Verified
Verified
Verified
Fast and easy!
January 11, 2026
Verified
easy process with reasonably priced…
easy process with reasonably priced coverage and no medical exam.
January 9, 2026
Verified
I agreed to a certain coverage then you…
I agreed to a certain coverage then you gave a completely different policy. The option to edit the policy was not available and did not fit my needs. I also did not confirm the policy before being charged.
January 7, 2026
Reply from Ladder
Thank you for your feedback. Happy to clarify. When an applicant qualifies for an offer, we may present you with an offer that has a monthly premium closer to your quoted price, which can result in your coverage being lowered. That said, you may have the option to adjust your coverage back to your original requested coverage amount. If you would like more guidance, please do not hesitate to reach out to our team at help@ladderlife.com.
Verified
Verified
Quick and easy
Great price for coverage to protect those you love. Highly recommend using Ladder Life Insurance
January 6, 2026
Verified
It’s a quick and easy process
January 9, 2026
Verified
Quick and straightforward to complete
Quick and straightforward to complete. More customizable than others regarding term length and coverage amount
January 1, 2026
Verified
This was very easy
This was very easy to set up and the premiums were affordable . Would highly recommend Ladder to everyone.
November 4, 2025
Verified
Great Experience!
Getting a life insurance policy was on my to do list for so long! Ladder made it painless and efficient! Don't wait!!
December 15, 2025
Verified
The Easiest Life Insurance Experience Ever
Ladder made getting life insurance incredibly fast, easy, and affordable. The entire process was seamless—from the application to approval—and I felt supported every step of the way. Highly recommend to anyone looking for a simple, stress-free experience!
December 10, 2025
Reply from Ladder
Thank you for this review, we're happy to hear you had a great experience!
Verified
It was an amazing process and got a…
It was an amazing process and got a great rate with no issues at all. Thank you very very much for this peace of mind.
December 8, 2025
Reply from Ladder
Thank you for choosing Ladder, we're happy to have you on board!
Verified
Verified
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