Get QuoteSecure site · Updated July 2026
- Sample monthly premium
- From $14/mo
- Coverage amount
- $100K–$8M
- Term lengths
- 10–30 yrs
- No-exam option
- Yes
Why it stands out
Ladder highlights
- Increase or decrease coverage anytime without a new application
- Fully online with no policy fees at any point
- No-exam approval available on higher coverage tiers
- Backed by carriers rated A and A+ for financial strength
The verdict at a glance
Pros and cons
Pros
- Only major insurer that lets you ladder coverage down over time
- Reducing coverage instantly lowers your monthly premium
- Slick digital experience with fast underwriting
Cons
- Term only, with no permanent or cash-value products
- Not available in New York state
Our full review
Our take on Ladder
Ladder is the rare term insurer that lets you raise or lower coverage on your own, without reapplying, as a mortgage gets paid down or a new kid arrives. It is fully digital with no fees, and higher coverage amounts can be issued without an exam for qualified applicants.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Ladder’s own site before you apply.
The alternatives
How Ladder compares
Other top-rated insurers in Life Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Haven Life | From $17/mo | Healthy applicants who want term coverage fast | See Rates | |
| 2 | Ethos | From $12/mo | Buyers who want to skip the medical exam | Get Quote | |
| 3 | Bestow | From $11/mo | Young, healthy buyers on a tight budget | See Rates | |
| 4 | Fabric by Gerber Life | From $15/mo | Parents building a full safety net | See Rates |
- Haven Life4.9Best for Healthy applicants who want term coverage fast
- Ethos4.8Best for Buyers who want to skip the medical exam
- Bestow4.6Best for Young, healthy buyers on a tight budget
- Fabric by Gerber Life4.4Best for Parents building a full safety net