# Ladder: Term Life Insurance — Smart, Affordable and Instant > Mobile term life insurance application and management. (iPhone/iPad app by Ladder Financial Inc..) - Source: https://appshunter.io/ios/app/ladder-term-life-insurance/id1484146534 (this page in markdown: same URL + `.md`) - Developer: [Ladder Financial Inc.](https://appshunter.io/developer/1484146533) - Category: Finance, Health & Fitness - Price: Free - Rating: 4.88/5 from 1,354 App Store ratings · 20 written reviews indexed - Age rating: 12+ - Requires: iOS 12.0 · 76 MB - Languages: English - Released: 2020-05-24 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ladder-term-life-insurance/id1484146534/reviews.md ## What is Ladder? Ladder offers term life insurance from your phone. Get a free price estimate in under two minutes, use our coverage calculator, or apply for coverage and activate your policy right away. We’ve made it easy to apply for life insurance from a reputable company — and, thanks to our real-time underwriting and Apple Health integration, we’ve made it fast, too. You could earn cash by referring your friends. COVERAGE DETAILS AND ELIGIBILITY Ladder offers $100,000-$8 million in coverage, for 10-30 year terms to people between the ages of 20 and 60 in all fifty states. “Easiest application process I have encountered. Competitive rate and the only TRUE instant decision I’ve been dealt.” - Gregory, 35, Pennsylvania FEATURES COVERAGE CALCULATOR This straight-forward tool helps you find out how much life insurance you need. Just tell us a bit about yourself, and we’ll crunch the numbers for you. You can even share your calculator results, without leaving the app. GET A FAST, FREE PRICE ESTIMATE In under two minutes, you’ll see a completely personalized price. Simply answer a few quick questions about your lifestyle and health. Then, you can continue your application to see if you’ve been instantly approved. LIFE INSURANCE GUIDE Most people find life insurance intimidating. What is life insurance? What’re the different types of life insurance? Which one’s right for me? How much does it cost? Find answers to these questions, and more, within our handy life insurance guide. REFER FRIENDS, EARN CASH We’d much rather pay you to spread the word about Ladder than buy ads. Share your unique referral link through the app, and get $50 for each person that gets an offer. Eligibility varies (see terms for details). QUICK FACTS ABOUT LADDER - No hidden fees and no cancellation fees - 30-day money back guarantee - Real-time underwriting allows for on-the-spot coverage - Ladder offers flexible coverage: you can decrease your coverage (and premium) when your mortgage gets paid or your kids grow up. It also means you can easily apply for more coverage if you need it. - Our customer support team doesn’t work on commission. Rather, it focuses on providing clarity and answering any questions you may have. - Our policies are issued by Fidelity Security Life Insurance Company® Kansas City, MO rated A (Excellent), Allianz Life Insurance Company of New York rated A+ (Superior) and Allianz Life Insurance Company of North America rated A+ (Superior).* All three insurers have been supporting families and paying claims for decades. LEGAL STUFF - Terms of service: https://www.ladderlife.com/terms - Privacy policy: https://www.ladderlife.com/privacy - Ladder Referral Program Terms: https://www.ladderlife.com/friends/terms - Notice to California residents: See our CA Notice of collection: https://www.ladderlife.com/privacy#Privacy-Information-for-California-Residents - Prices vary and are subject to underwriting - *Allianz Life Insurance Company of New York and Allianz Life Insurance Company of North America have been rated A+ (Superior) affirmed in September 2020 and Fidelity Security Life Insurance Company® has been rated A (Excellent). Ratings are based on an analysis of financial position and operating performance, by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com. - Ladder offers term policies in New York (policy form # MN-26) that are issued by Allianz Life Insurance Company of New York, New York, NY. Term policies are issued in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis, MN (Policy form # ICC20P-AZ100 and # P-AZ100) and Fidelity Security Life Insurance Company®, Kansas City, MO (policy form No. ICC17-M-1069, M-1069 and Policy No. TL-146). Ladder California license number OK22568. Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York. © LADDER FINANCIAL INC. All rights reserved. ## Key features - Coverage calculator - Fast price estimates - Life insurance guide - Referral program - Instant underwriting - Flexible coverage options ## What do users think of Ladder? Overall sentiment: neutral **Pros** - 👍 Easy to purchase life insurance - 👍 User-friendly application process - 👍 Helpful customer service - 👍 Affordable coverage **Cons** - 🐛 Slow loading times for some screens - 🐛 Buggy app with crashes and freezes - 🚫 Strict underwriting leading to denials - 💰 Perceived high prices **Commonly reported bugs** - App freezes at date of birth input - Difficulty retrieving policy documents **Most requested features** - Ability to view payment due dates - Improved app performance and stability ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/ladder-term-life-insurance/id1484146534/reviews.md ### 1/5 — Spammed me with texts *2024-06-05* Spammed me with texts and app doesn’t work ### 2/5 — Some screens take forever to load *2023-10-28* Like pulling up my policy details. There's a guy on a bike that's probably halfway to California by now as long as it's been. It's the screen that says, "Curating the best content for you!" ### 5/5 — 5 star *2023-07-09* Ladder is easy to purchase your desired life insurance that’s a real online digital market not like the others to keep bag you all week . ### 5/5 — It was really simple to get started and easier to complete. *2023-05-24* Impressed by how quickly I got quoted and covered. ### 5/5 — Easy and simple *2023-05-15* For what I’ve been hearing about life, insurance companies and policies, I was a little bit uneasy when I saw this particular one. But to my surprise, it was great. I got to pick something that works great for me and the monthly payments are perfect. I answered all the questions and a week later I was approved and everything was and is still going good. I have recommended this one to other people and I will recommend continuously ### 1/5 — Very long review process *2023-04-28* I’ve got several offers from other places so much faster , would be nice to hear back soon. ### 1/5 — Waste of time *2023-01-18, version 2.6* Not worth the time ### 1/5 — Price *2023-01-06, version 2.6* The price is too high I think it is scamming price ### 5/5 — Great app *2022-10-22, version 2.6* Very user friendly! Easy to get quote. ### 1/5 — Payment due date *2022-08-26, version 2.6* Why can’t I see when my payments are due ## Frequently asked questions about Ladder ### What does Ladder offer? Ladder provides term life insurance policies that can be applied for and activated directly from your phone. It offers coverage amounts from $100,000 to $8 million for terms of 10 to 30 years. The app also includes tools like a coverage calculator and a life insurance guide. ### How do I get a price estimate? You can get a personalized price estimate in under two minutes by answering a few quick questions about your lifestyle and health within the app. This estimate is free and allows you to see if you can be instantly approved for coverage. ### Is there a cost to use Ladder? The app itself is free to download and use for obtaining estimates and accessing information. The cost associated with Ladder is for the term life insurance policy itself, which varies based on individual factors and underwriting. There are no hidden fees or cancellation fees. ### Who is eligible for coverage? Eligibility for coverage is for individuals between the ages of 20 and 60 in all fifty states. Coverage amounts range from $100,000 to $8 million, with term lengths of 10 to 30 years. Eligibility and pricing are subject to underwriting. ### Can I refer friends to earn cash? Yes, Ladder has a referral program where you can earn cash by referring friends. You share your unique referral link through the app, and you can receive $50 for each person who gets an offer. Specific eligibility criteria apply to this program. ## Version history (last 5 releases) ### 2.6 — 2022-07-27 Bug fixes and minor UI enhancements have been made ### 2.5 — 2022-03-15 Bug fixes and minor UI changes have been made. ### 2.4 — 2022-02-11 Bug fixes and minor UI changes have been made. ### 2.3 — 2021-11-17 Bug fixes and small UI changes have been made. ### 2.2 — 2021-08-30 This version makes it easier to access your Ladder account and manage your policy details. Additionally, bug fixes and performance improvements have been made. ## Apps similar to Ladder | App | Rating | Price | Category | | --- | --- | --- | --- | | [Landa: Invest in Real Estate](https://appshunter.io/ios/app/landa-invest-in-real-estate/id1455248672) | 4.4 (6,700) | Free | Finance | | [Fundrise: Invest in Alts](https://appshunter.io/ios/app/fundrise-invest-in-alts/id1435387568) | 4.8 (37,256) | Free | Finance | | [Gabi - Car & Home Insurance](https://appshunter.io/ios/app/gabi-car-and-home-insurance/id1343478075) | 4.5 (1,365) | Free | Finance | | [Ethos - Insurance & Wills](https://appshunter.io/ios/app/ethos-insurance-and-wills/id1178116846) | 4.6 (6,682) | Free | Finance | | [Fabric by Gerber Life](https://appshunter.io/ios/app/fabric-by-gerber-life/id1472411752) | 4.8 (500) | Free | Finance | | [Cambio: Rebuild today](https://appshunter.io/ios/app/cambio-rebuild-today/id1558140531) | 4.4 (823) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*