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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
This was the easiest life insurance I…
This was the easiest life insurance I have ever applied for. They do all the work! The process was painless. Do it, if you want great insurance.
October 10, 2025
To get feedback
Calling to the Ladder 2:30 pm Friday - nobody answered. It’s hard to get feedback.
June 12, 2025
Reply from Ladder
Thank you for the feedback, Farid. To clarify, our hours of operation for our phones are 9AM to 12PM PST, Monday through Friday, with the exception of holidays. That said, it seems like one of our staff members were able to assist you with your inquiry. If you have any further questions or concerns, please do not hesitate to reach out to our support team at help@ladderlife.com.
Extremely easy and fast approval!
October 9, 2025
Great working with a company that gets…
Great working with a company that gets you covered
October 3, 2025
I would rate it 0 if I could
I would rate it 0 if I could. They didn’t approve me at all. I have no health conditions whatsoever, I’m 38. BMI 27. I could lose 10-15 pounds to be at an optimal weight but I’m not obese or anything like that. They didn’t approve approve my husband, 43, high blood pressure and overweight, but then proceeded to cancel his policy about 5 months after and then took 2-3 weeks to refund the money. Stay away from this company.
February 2, 2025
Unprompted review
Reply from Ladder
Thank you for your feedback, Mary. To provide a little more insight into our process, we consider various factors when evaluating an application, such as health history, personal finances, driving history, and criminal history, among others. If you or your husband would like to discuss the decision you both received in more detail, please feel free to reach out to our team at help@ladderlife.com. We hope this helps clarify things.
It was fast
It was fast, easy, and affordable—I got covered in minutes while relaxing in bed.
October 3, 2025
Absolutely horrible and way overpriced
Absolutely horrible and way overpriced. He literally claim that I had skin cancer, and my doctor made it clear I did not. Horrible company. I did not get declined. I just got so fed up that I stopped moving forward.
September 24, 2025
Unprompted review
Reply from Ladder
Thank you for taking the time to share your feedback. We apologize to hear about your experience and the frustration you encountered during the process. We're happy to provide some context on the underwriting process. The underwriting process for life insurance often involves gathering more detailed information about an applicant's background. This can include reviewing various details such as their driving history, medical records, and travel information. Any differences in the information we receive could lead to delays as we aim to make the most accurate and just decision for you.
Since I am a long-time Geico Customer
Since I am a long-time Geico Customer, I reached out to Ladder Insurance and applied for life insurance. I found the process to be smooth and non-stressful.
September 8, 2025
Easy to answer their questions
Easy to answer their questions. There were not too many questions. Price was fair.
September 8, 2025
Unprompted review
The Help that I got for future plans
Jonathan Laporte got me amazing coverage for a great monthly rate. He made the process easy to understand. He listened to my needs and wants to provide for my family's future. He even talked to me about other things to help for future planning. I can't thank him enough.
September 6, 2025
Not a lot of back and forth
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.
September 5, 2025
Maybe too easy!
The web interface is clear and smooth, and easy to use. As I was purchasing life insurance, I can't speak to the quality of the product yet, but the dashboard seems inclusive and straightforward.
September 2, 2025
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.