Ladder

Ladder

Digital term life insurance provider

About

Ladder Life provides term life insurance through a digital platform aimed at individuals looking for an easy and efficient way to secure coverage. Customers can apply for up to $3 million in coverage without undergoing medical exams or dealing with extensive paperwork, making the process straightforward and accessible. For those seeking higher coverage amounts, a simple at-home health check may be required. This digital-first approach not only streamlines the application process but also helps lower costs, allowing Ladder Life to offer more affordable premiums compared to traditional life insurance providers. Additionally, Ladder Life features a coverage calculator that assists customers in determining the appropriate amount of life insurance needed, typically suggesting coverage equal to ten times the individual's salary to cover major expenses like mortgages and education. The goal of Ladder Life is to make life insurance more accessible and affordable for everyone.

Company Stage

Series D

Employees

51-200

Industries

Fintech, Financial Services

Total Funding

$190.7M

Headquarters

Palo Alto, California

Founded

2015


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Simplify's Take

What believers are saying

  • Partnership with AmeriSave taps into the home mortgage market, boosting customer acquisition.
  • Integration with Envestnet | MoneyGuide expands reach within the financial advisory community.
  • Partnership with WEA Member Benefits opens new growth channels in the education sector.

What critics are saying

  • Increased competition from digital-first startups like Modern Life pressures Ladder to innovate.
  • Shift towards online platforms increases competition, challenging Ladder's market position.
  • Integration of life insurance in financial planning software may increase competition.

What makes Ladder unique

  • Ladder offers up to $3M coverage without medical exams, simplifying the process.
  • Real-time underwriting makes Ladder's life insurance accessible and affordable.
  • Ladder's digital-first approach aligns with the growing trend of online insurance purchases.

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Growth & Insights
Headcount

6 month growth

2%

1 year growth

0%

2 year growth

0%

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Unlimited Paid Time Off

Stock Options

401(k) Company Match

Commuter Benefits

Parental Leave

Home Office Stipend

Phone/Internet Stipend

Company Social Events

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