Ladder makes it easy to apply online for affordable term life insurance in about 5 minutes and get an instant decision.
To get started, you just visit LadderLife.com (non-referral link) and complete the simple online application.
If you get an offer for immediate life insurance coverage, you can accept it right away and be done with your search.
There are no application fees to get started with Ladder, and you can cancel at any time with a 30-day money-back guarantee.
Plus, if you live in California, you can get a $10 bonus from Ladder just for completing your application when you sign up through a referral link ($10 bonus is only available to California residents who sign up through a referral link).
About Ladder Life Insurance
- 5-Minute Online Application for Term Life Insurance with Instant Decision.
- Ladder Life offers Competitive Pricing that Saves You Money.
- Ability to Decrease or Increase Coverage as Your Needs Change.
- No Commissioned Life Insurance Brokers and No Upselling.
- Cancel Your Policy at Any Time.
- Price Lock Guarantee.
- No Policy Fees.
- Money-Back Guarantee.
- Customer Service Specialists Available (they do not get paid commissions).
- Anyone between 20 and 60 Years Old Can Apply with Ladder.
- Ladder has partnered with Fidelity Security Life Insurance Company to issue the LadderLife policies and Hannover Life Reassurance Company of America to reinsure the policies.
Get $10 to Apply for Ladder Life in California
Please note that Ladder has requested that we remove any referral links from within this article, but you may apply through a referral link from your friend or family member in order for you both to qualify for the bonuses (if you live in California).
While residents across the U.S.A. can apply for term life insurance with Ladder, you can only get a special $10 bonus if you live in California.
In order to qualify for the $10 bonus, you must apply through a Ladder Life referral link that is provided to you by a friend or family member.
You just need to complete the Ladder application, and when you get an offer for term life insurance coverage, you will also qualify for a $10 bonus.
You do not need to actually accept the life insurance policy in order to receive the $10 bonus.
The $10 bonus will be paid out to you via PayPal, and it typically takes 1 to 3 weeks to process the payments.
This $10 Ladder Life promotion is only available to residents of California at this time, but they are working to expand it to more states.
Ladder Life Insurance $50 Referral Program Bonuses
If you live in California, you can also participate in the Ladder Life Refer-A-Friend Program to share referral bonuses with your friends and family.
Just share your unique Ladder Life referral link with your friends, and when a friend gets an offer for coverage, you will get a $50 bonus (regardless of their location).
If your friends and family live in California, they will also get a $10 bonus when they get an offer from Ladder Life.
You can even refer a spouse to Ladder Life and get paid for it, so there are no limits to the people you can refer.
You can earn up to $1,000 in referral bonuses for sharing Ladder Life with your friends and family.
The $50 referral bonuses are paid when your friends receive an offer for coverage from Ladder, whether they choose to purchase a policy or not.
You do not need to have a Ladder Life insurance policy to refer somebody, as you just need to create an account and access your unique referral link to start referring.
All of your referral payments will be paid to you via PayPal within 1 to 3 weeks when you go to the “Get Paid” page and enter your PayPal information.
Check out Ladder to get instant access to term life insurance coverage at affordable prices.