# Ladder: Term Life Insurance — user reviews > 20 indexed App Store user reviews of Ladder by Ladder Financial Inc., rated 4.88/5 from 1,354 ratings. - Source: https://appshunter.io/ios/app/ladder-term-life-insurance/id1484146534/reviews - App overview in markdown: https://appshunter.io/ios/app/ladder-term-life-insurance/id1484146534.md - Rating breakdown: 5★ 1,269 · 4★ 47 · 3★ 15 · 2★ 1 · 1★ 21 ## 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 ## Most critical reviews (10 lowest-rated) ### 1/5 — Spammed me with texts *2024-06-05* Spammed me with texts and app doesn’t work ### 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 ### 1/5 — Payment due date *2022-08-26, version 2.6* Why can’t I see when my payments are due ### 1/5 — Waste of time *2022-04-26, version 2.5* Their underwriter asked me all kinds of questions for the Bells Palsy I got from Pfizer COVID vaccine, I immediately responded to their questions with all honesty and to their satisfaction. They still declined my application. What a waste of time!! ### 1/5 — Avoid this company *2022-01-20, version 2.3* IF you have even 1 tiny thing on your medical records that even Doctors say is normal and no big deal (doesn’t require treatment or medication) they will deny you. What a joke of a company and a complete waste of time. Go somewhere else and save your time and money. Btw, checked with other insurance co. And not only did they approve me they actually communicated with me within 2 weeks of underwriting. Took 2 months with ladder. ### 1/5 — Not user friendly app *2021-11-17, version 2.2* Not so user friendly app as I am trying to view my policy documents it’s very hard to retrieve. Not recommended at all ### 1/5 — Buggy *2020-07-24, version 1.0* Can't proceed past DOB. If they can't get a button right, I have doubts about their ability to provide a solid insurance product ### 1/5 — Freezes at birth date *2020-07-23, version 1.0* Bummer. Tried uninstalling and reinstalling, same issue. Bug? ## Most praised reviews (10 highest-rated) ### 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 ### 5/5 — Great app *2022-10-22, version 2.6* Very user friendly! Easy to get quote. ### 5/5 — Tyler *2022-04-29, version 2.5* This was a simple process. At first I struggled to complete everything online, I called a representative and she guided me through every step until I was completely done. Staff has patients with everyone and are willing to answer any questions and help anyone with the process. Get life insurance and make sure your loved ones are taken care of the day you leave this earth. This is by far the best life insurance company out there, simple process and can be finished pretty quickly. ### 5/5 — So easy!! *2021-04-27, version 2.0* Easily the best app for life insurance I’ve come across. I wasn’t that familiar with the process before getting started and I love that they have so many resources available on here. It’s not just an application, it also a learning tool which I really needed!! The application itself was easy too. ### 5/5 — Easy, reliable, affordable *2021-03-26, version 2.0* I got my policy through Ladder and found it to be a pleasantly delightful experience. Huge props to the team over there transforming the way you can get life insurance in this day and age ### 5/5 — So easy! *2021-03-25, version 2.0* Couldn’t believe how easy it was to get life insurance. I had put it off for so long, but came across Ladder, tried it, and now my family is covered. Boom! ### 5/5 — Easiest insurance platform on the market *2021-03-24, version 2.0* Applying for insurance is such a pain in the neck, with Ladder I was able to apply and get an offer in Legit 7 minutes. It’s like the Lemonade of Life Insurance! Definitely recommend for anyone ages 29-45 who needs insurance! ### 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!" --- *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.*