Ladder Life Insurance Review 2025

Ladder offers a range of term life insurance policies you can modify based on your changing financial needs and situation. This kind of flexibility is ideal for people who are unsure about how much coverage they need or those in a position where their family’s needs may change in the future.

A Ladder policy would not be a good fit for those looking for lifetime coverage. North American is worth checking out if you're looking for the best whole life insurance and best universal life insurance options.

We reviewed Ladder's financial ratings, complaint records and policy flexibility to assess its value for term life shoppers.

Although Ladder only offers term life insurance, it's a good option for many and is better than no coverage at all.

Term life insurance works well for people who can't afford permanent coverage or are unsure about how long they’ll need coverage. For instance, if you're in your 30s and don't have children, it might not make sense to buy a whole life or universal life policy as these options cost more. A term policy can also be a good option if you plan on taking out another type of permanent insurance later on.

Ladder also offers a feature called “Laddering," which provides flexibility not usually available on term life policies. Laddering allows you to adjust your coverage depending on your needs. You can either "ladder up" to increase your coverage (your premium will also increase accordingly) or "ladder down" to decrease your coverage and premium. Use Laddering as often as needed, or not at all.

Your beneficiaries can initiate the process of filing a claim online through Ladder's claims page or by emailing claimhelp@ladderlife.com.

To file a claim, beneficiaries need:

• Your policy number
• Policyholder's full name and date of birth
• A certified copy of the death certificate
• Contact information for all beneficiaries

After submitting the initial claim notification, Ladder's claims team will send forms and guide beneficiaries through the next steps.

Ladder offers term life insurance with adjustable coverage limits and a fully online process. It has flexibility, and you don't need a medical exam. It offers coverage up to $3 million.

The company's “Laddering” feature stands out for allowing policyholders to increase or decrease coverage as needed.

Here are answers to the most frequently asked questions about Ladder life insurance.

We designed our Ladder insurance review to help you understand how this insurer works and determine if it's the right choice for your family.

Our Ladder life insurance reviews focused on financial stability, product offerings and customer satisfaction to determine profiles that may benefit from what the company offers. We also looked into offers that make Ladder stand out.

Ladder's adjustable coverage sets it apart from traditional term life policies, but that flexibility only matters if the company delivers on its promises. Our analysis focused on Ladder's unique positioning: fully digital term life insurance with mid-application coverage adjustments. This review helps you understand whether Ladder's flexibility justifies choosing it over other term policies that lock you into one coverage amount.