Term Life Insurance

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About this Product

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Ladder is term life insurance built to be instant, simple, and smart

  • Competitively priced, fully underwritten term policies
  • Apply online in 5 minutes and get an instant decision
  • Easily deploy and manage across your client base

About Ladder

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.

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Other, Practice Management
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API integration is available through Schwab OpenView Gateway®, which is provided by Performance Technologies, Inc. (“PTI”). Single sign-on is provided by PTI. Daily data files and trading integration are available through Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC. Not all third party providers listed on this site have integration agreements with Schwab. Schwab OpenView Gateway® and Schwab OpenView MarketSquare™ are services of PTI.

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