Ladder: Term Life Insurance 2.6

Ladder Financial Inc – Freeware – iOS
out of 1347 votes

Ladder offers convenient term life insurance options that can be accessed right from your phone. With a streamlined application process and real-time underwriting, getting coverage is easy and fast. The coverage calculator helps you determine how much life insurance you need, and you can even share the results without leaving the app. Ladder offers coverage ranging from $100,000 to $8 million, with terms of 10-30 years. Eligibility extends to individuals between the ages of 20 and 60 in all fifty states.

Don't let the complexity of life insurance intimidate you. Ladder provides a comprehensive life insurance guide that answers common questions and helps you understand the different types of coverage available. And if you refer your friends, you can earn cash rewards for each person who gets an offer.

Here are some quick facts about Ladder:

No hidden fees or cancellation fees
30-day money back guarantee
Real-time underwriting for immediate coverage
Flexible coverage options that can be adjusted as your needs change
Customer support team focused on providing clarity and answering questions
Policies issued by reputable insurers with excellent ratings

For more information, you can review Ladder's terms of service and privacy policy on their website. Keep in mind that prices vary and are subject to underwriting. Also note that Ladder offers term policies in New York through Allianz Life Insurance Company of New York, while policies in other states are issued by Allianz Life Insurance Company of North America and Fidelity Security Life Insurance Company®.

Overall, Ladder offers a user-friendly experience for obtaining reliable term life insurance. Their mobile app and range of coverage options make it convenient to protect yourself and your loved ones.

Overview

Ladder: Term Life Insurance is a Freeware software in the category Business developed by Ladder Financial Inc.

The latest version of Ladder: Term Life Insurance is 2.6, released on 10/18/2023. It was initially added to our database on 10/18/2023.

Ladder: Term Life Insurance runs on the following operating systems: iOS.

Users of Ladder: Term Life Insurance gave it a rating of 5 out of 5 stars.

Pros

Flexible coverage options that can be easily adjusted as life circumstances change.
User-friendly online platform for getting quotes and managing policies.
Quick application process with the ability to get coverage in a matter of minutes.
No medical exam required for healthy applicants, making it accessible and convenient.
Ability to 'ladder' policies, allowing users to get multiple term lengths to align with specific needs and goals.

Cons

Limited available term lengths compared to some competitors.
Not available in all states or for all age groups, which may restrict access for some potential customers.
Policies primarily focus on term life insurance, lacking additional products like permanent life insurance or whole life options.
Customer service may face delays during peak times or high demand, affecting responsiveness for inquiries and claims.
Ladder's unique model may not appeal to individuals looking for traditional insurance agency services or personal agent interactions.

FAQ

What is Term Life Insurance?

Term Life Insurance is a type of life insurance that provides coverage for a specific period of time, usually between 10 to 30 years. If the insured passes away during this term, the beneficiaries receive a death benefit.

How much coverage can I purchase with Ladder?

With Ladder, you can purchase term life insurance coverage between $100,000 and $8 million, depending on your eligibility and needs.

Can I adjust my coverage amount later?

Yes, with Ladder, you can adjust your coverage amount up or down as your needs change over time.

What happens if I outlive my term?

If you outlive your term, the policy will expire and you will not receive any payout. However, you may have options to convert your term policy to a permanent policy or renew it.

Is the application process easy?

Yes, Ladder offers a fast and simple online application process that can often be completed in just a few minutes without needing a medical exam for many applicants.

Are there any exclusions in the policy?

Yes, like most life insurance policies, Ladder's Term Life Insurance may exclude coverage for certain causes of death such as suicide within the first two years or death resulting from illegal activities.

Can I get a quote online?

Yes, you can get an instant quote online on Ladder's website by entering basic information about yourself.

How are premiums calculated?

Premiums are calculated based on various factors including age, health status, lifestyle habits (like smoking), and the amount of coverage desired.

What payment methods do you accept?

Ladder accepts various payment methods including credit cards and bank transfers for premium payments.

Is there a grace period for late payments?

Yes, Ladder provides a grace period for late payments to prevent immediate lapse of coverage.

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