As you pay down your mortgage, as your kids become adults-you won't need as much coverage. Adjust your policy by "Laddering, " or keep it the same. The choice is yours. Yep! If, for whatever reason, you're not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
We are 100% digital - no doctors, no needles, no paperwork - when you apply for $3 million in coverage or less. Anything greater and we may ask you to complete a quick, free, at-home health check. Term insurance protects your family for the 10-30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is much more affordable than whole coverage, which can last as long as you pay for it.
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try our coverage calculator.
We are 100% digital - no doctors, no needles, no paperwork - when you apply for $3 million in coverage or less. Anything greater and we may ask you to complete a quick, free, at-home health check. Term insurance protects your family for the 10-30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is much more affordable than whole coverage, which can last as long as you pay for it.
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more. For a personalized answer to this question, try our coverage calculator.
Services
We know it's not always easy.
That's why we've created a painless way to get the life insurance coverage you need for those you care about most.
At age 11 our CEO, Jamie, lost his dad and learned firsthand how life insurance can keep a family afloat during difficult times.
Now, he's on a mission to help others set their families up for success the way his father did for him.
Revolutionizing an age-old industry takes focus, and at Ladder we focus on three things - all because we value our customers' time and money.
That's why we've created a painless way to get the life insurance coverage you need for those you care about most.
At age 11 our CEO, Jamie, lost his dad and learned firsthand how life insurance can keep a family afloat during difficult times.
Now, he's on a mission to help others set their families up for success the way his father did for him.
Revolutionizing an age-old industry takes focus, and at Ladder we focus on three things - all because we value our customers' time and money.
Laddering is a tool that lets you adjust your coverage, up or down, whenever.
People say it sets us apart-and they love how, with Ladder, their coverage can match their needs.
Use it often or not at all, it's entirely up to you.
Savings attained by decreasing coverage to the next available lower face value every subsequent year from policy issue date.
As often as you'd like!
There's no limit to how many times you can Ladder down or Ladder up by applying for more coverage.
The process of Laddering is completely free.
People say it sets us apart-and they love how, with Ladder, their coverage can match their needs.
Use it often or not at all, it's entirely up to you.
Savings attained by decreasing coverage to the next available lower face value every subsequent year from policy issue date.
As often as you'd like!
There's no limit to how many times you can Ladder down or Ladder up by applying for more coverage.
The process of Laddering is completely free.
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