Adjustable term life insurance issued by partner insurers
Term / Plan Type
10–30 year term
Key Features
✓
100% digital with no medical exam when applying for $3 million in coverage or less
✓
“Laddering” lets you decrease coverage as needs fall
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Full refund if you cancel in the first 30 days; no cancellation fees after that
Pros & Cons
✓ Pros
No exam up to $3 million in coverage
Coverage can be reduced over time
30-day money-back guarantee
– Tradeoffs
Policies are issued by partner insurers (e.g., Amica Life, Fidelity Security Life, S.USA Life), not Ladder itself
Applications over $3 million may need an at-home health check
Term coverage ends when the term ends
Best for: Applicants who want a fully digital term policy they can scale down later
Premiums shown are illustrative national averages as of 2026 and vary by state, coverage limits, and personal risk factors — get a personalized quote directly from the provider.