It was easy to sign up, didn't get a bunch of phone calls, emails or other solicitations. Everything was able to be done in a couple mins online. The only thing I would have liked a screen with hey i... See more
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The ease of use was great. I figured it would take a long time and a lot of questions to fill out but you have made it simple, and the prices are VERY competitive. I also like the options of how to pa... See more
Company replied
It was quick and didnt ask too many difficult questions that required hours of research. Never spoke with anyone so it was an easy process start to finish.
The application process was straightforward. Any questions I had, the representative Brianna answered quickly. The prices were very reasonable. They didn't hassle or pressure me into getting a polic... See more
Company replied
Company details
About Ladder
Written by the company
We started Ladder because we fundamentally believe life insurance is good—for people and communities. But at some point, it was hijacked by high pressure sales tactics, expensive products, and slow processes.
It’s time for better life insurance. Ladder gives you a smart, secure, straightforward way to take care of your people, while saving you time, money, and (lots of) hassle.
It’s time for better life insurance. Ladder gives you a smart, secure, straightforward way to take care of your people, while saving you time, money, and (lots of) hassle.
Contact info
100 Forest Ave, 94301, Palo Alto, United States
- 844-533-7206
- help@ladderlife.com
- ladderlife.com
Apply today
4.6
Excellent
3k reviews
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Replied to 100% of negative reviews
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Reply from Ladder
Thank you for sharing your feedback, Dave. We'd like to hear more about your experience and assist you. Please contact our team at help@ladderlife.com.
A very long approval process
The initial application process was straightforward and relatively simple. The interface was easy enough to navigate. The review and approval process, however, took an exceptionally long time - almost three full months. Once my application was approved, there was swift and active pressure to confirm my policy immediately (multiple emails, phone calls, and text messages from Ladder within 12 hours), which felt very much like a high-pressure sales tactic and was particularly off-putting after a three-month wait.
Since I'm still alive, I can't speak to what the process will be like on the other end. I expect that it will take longer than my survivors will appreciate, but I'm sure it'll get sorted eventually.
23 March 2026
Reply from Ladder
Thank you for sharing your feedback, Katherine. We apologize for the unpleasant experience, and we will share your feedback with our team. To provide some context, underwriting times can vary, especially if we require additional information, and in those cases, we are subject to third-party processing times. If you have further questions, please contact our team at help@ladderlife.com.
Excellent service
29 March 2026
This is a task I’ve put off
This is a task I’ve put off. I shouldn’t have. This took less than 15 minutes and the peace of mind it provided is immeasurable. This process was simple, clear, and straightforward.
7 April 2026
Very simple to set up and i was covered…
Very simple to set up and i was covered in less than 15mins 2M in coverage,
Thanks again!
5 April 2026
No communication
There has been no communication! I would like to see the policy, a confirmation of having signed up and details about billing, something indicating this is confirmed. Maybe I missed an email?
29 March 2026
Reply from Ladder
Thank you for your feedback, Ilima. To clarify, we do send a congratulatory email indicating that you are covered once an offer is accepted.
If you would like more details regarding your policy, we encourage you to login to your account at ladderlife.com/login and you'll be able to access your policy information and documents there. For more assistance, please do not hesitate to reach out to our team at help@ladderlife.com.
It was easy to sign up
It was easy to sign up, didn't get a bunch of phone calls, emails or other solicitations. Everything was able to be done in a couple mins online. The only thing I would have liked a screen with hey if you replace your existing with a combined coverage option, this would be your new price it may have saved me money and may have switched my other ins over as well.
19 March 2026
Very easy application, was wonderful
Very easy application. Was wonderful. I’m very happy I chose this company. Honestly.
6 April 2026
Efficient
Very fast track application process. Although not the best monthly premium in the market.
6 April 2026
Fast and easy peace of mind.
6 April 2026
First life insurance policy it make the…
First life insurance policy it make the process easier
4 April 2026
Easy online application
Easy online application. Required some follow up but communication was clear while I waited for everything to clear. Great service.
10 March 2026
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