By using Ladder for Advisors, advisors are able to take a formerly static term life insurance product and make it a dynamic part of the financial planning process. Our unique policy structure allows policy holders to decrease coverage as their needs change or easily apply for more if more coverage is needed (using the same simple application process) -- all online and without fees. That, coupled with our streamlined application experience, helps an advisor meet the evolving needs of clients by providing a product that pairs a high standard for fiduciary duty with a simple customer experience. Insurance coverage ranges from $100,000 to $8 million and terms of 10, 15, 20, 25 and 30 years. We are licensed and trusted with billions in coverage. Our fully underwritten policies are issued by Fidelity Security Life Insurance Company.