Term Life Insurance
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About this Product
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
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.
More info about us
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.
References to third parties on this site (whether such parties are vendors participating in a service of PTI or independent advisors using a service of a participating vendor) are not an endorsement or recommendation of, or an opinion (favorable or unfavorable), or advice about, or a referral to any product or service of any third party. Advisors are solely responsible for evaluating, selecting, and purchasing products and services offered by third party vendors. Unless indicated otherwise, third parties are independent and not affiliated with PTI or its affiliates.
Schwab Advisor Services includes the custody, trading, and support services of Charles Schwab & Co., Inc. ("CS&Co"), a registered broker-dealer and member SIPC, and the technology products and services of PTI. PTI and CS&Co are separate companies affiliated as subsidiaries of The Charles Schwab Corporation, but their products and services are independent of each other. PTI’s integration solutions integrate data about accounts custodied at CS&Co.
Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.