Online Life Insurance Companies

Ladder life insurance review

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About Ladder

  • Company address: 100 Forest Avenue, Palo Alto, CA 94301
  • Company website: https://www.ladderlife.com/
  • Company email: help@ladderlife.com
  • Company phone: 844-533-7206

Company background: The company was founded in 2015 by Jamie Hale, his wife Laura and two tech veterans, Jeff Merkel and Jack Dubie. The company offers flexible life insurance that allows people to adjust their coverage up or down as their lives change – such as when a child is born, a house is bought or children age. The company calls this process “laddering.”

Interesting tidbit: The father of Jamie Hale, one of the company’s founders and its chief executive, died unexpectedly when Jamie was 11. Hale credits his father’s life insurance policy for sustaining the family financially.

More details about Ladder life insurance

Policies offered:

  • Life products offered: Term life

Rates:

  • Term coverage starts at $5 a month.

Insurance partners:

  • The company’s policies are issued by Fidelity Security Life Insurance Co, Allianz Life Insurance Co. of New York and Allianz Life Insurance Co. of North America.

Other details:

  • Ages and coverage limits: The company offers insurance to those 20 to 60 years old. It offers up to $8 million in 10- to 30-year terms. U.S. citizens or lawful permanent residents who have lived in the U.S. for more than two years are eligible.
  • Waiting period: The policy is in force immediately after the first payment is made.
  • Medical requirements: Those applying for less than $3 million in coverage do not need to complete a medical exam.
  • Application time: The company promises an application that can be completed in minutes and can provide instant approval.

States where Ladder is available

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States where Ladder is available
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