It was easy to sign up, didn't get a bunch of phone calls, emails or other solicitations. Everything was able to be done in a couple mins online. The only thing I would have liked a screen with hey i... See more
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Review summary
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The ease of use was great. I figured it would take a long time and a lot of questions to fill out but you have made it simple, and the prices are VERY competitive. I also like the options of how to pa... See more
Company replied
It was quick and didnt ask too many difficult questions that required hours of research. Never spoke with anyone so it was an easy process start to finish.
The application process was straightforward. Any questions I had, the representative Brianna answered quickly. The prices were very reasonable. They didn't hassle or pressure me into getting a polic... See more
Company replied
Company details
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
4.6
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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Fast and easy application online.
27 February 2026
The application experience was easy
The application experience was easy, but thorough. Automatic payment made the process easy as well.
27 February 2026
Reply from Ladder
Thanks for sharing about your experience!
Ladder is amazing
Ladder is amazing! Quick, easy, affordable. And no annoying agent trying to upsell every which way to Sunday! Thank you!
23 February 2026
Reply from Ladder
Thank you Chase, so glad to have you on board!
Quick and easy!
5 March 2026
The application process was easy and straightforward
The application process was straightforward. Any questions I had, the representative Brianna answered quickly. The prices were very reasonable. They didn't hassle or pressure me into getting a policy, like other brokers.
24 February 2026
Unprompted review
Reply from Ladder
Thanks for your review, we're so pleased to hear about your experience!
Questionnaire was very straightforward…
Questionnaire was very straightforward and simple to complete.
16 February 2026
Waste of a lot of time and the company…
Waste of a lot of time and the company didn’t ask for proof of death… when I explained that my mother’s death kept me from paying bills because I had to pay the mortgage so my family and I wouldn’t lose her house. However the agents involved tried to help…. I was trying to reinstate my policy for a month.. then was denied
13 February 2026
Unprompted review
Reply from Ladder
Thank you for sharing your feedback. We're sorry for your loss. Please note that once you miss a payment, you are granted a 60 to 61-day grace period. Additionally, if you exceed the grace period window, you would have the opportunity to be considered for reinstatement. However, reinstatement of a lapsed policy is subject to review, which can take some time, and is not guaranteed.
In the event that you are declined for a reinstatement, please keep in mind that it does not mean that you cannot apply for a new policy. For further assistance or to discuss your options in detail, please contact our team at help@ladderlife.com.
Got canceled after updating payment
Got canceled after updating payment, smh, also cant reach anyone to talk to, worse life insurance ever
17 January 2026
Unprompted review
Reply from Ladder
Thank you for sharing your feedback. We're sorry to hear about your experience. To clarify, Ladder offers a 60 to 61-day grace period, and if payments are not received within that time frame, the policy will lapse. If you are interested, please contact our support team at help@ladderlife.com, and we can help you start the reinstatement process.
Very efficient system and you are covered the same day.
Very efficient system. I am 58 and I signed up for a $500K policy for $4 a day.
9 February 2026
The ease of use was great
The ease of use was great. I figured it would take a long time and a lot of questions to fill out but you have made it simple, and the prices are VERY competitive. I also like the options of how to pay for insurance, very convenient, plus I can go and change beneficiary at any time and the percentage they receive. Nice Job !!
7 February 2026
Reply from Ladder
Robert, thank you for taking the time to share your feedback! We're so happy to hear about your experience with Ladder.
I'm a busy man and this was a convinent…
I'm a busy man and this was a convinent way to get setup with life insurance.
4 February 2026
Easy to navigate website interface
Easy to navigate website interface. Great user experience and interactive user interface. Simple to follow and straightforward
3 February 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
20 January 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.
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