About Ladder
Data updated- Website
- ladderlife.com
- Category
- Money & Insurance
- Location
- United States · San Francisco
- Status
- Unclaimed
- Last 12 months
- 101 reviews
- Replies to negative
- 100% (9/9)
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Is Ladder legit?
Ladder (ladderlife.com) has a 4.6 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 88% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
Great easy process.
Fast and efficient
The application process was easy and straightforward
The application process was straightforward. Any questions I had, the representative Brianna answered quickly. The prices were very reasonable. They didn't hassle or pressure me into getting a policy, like other brokers.
Reply from Ladder2026-02-25
Thanks for your review, we're so pleased to hear about your experience!
Questionnaire was very straightforward…
Questionnaire was very straightforward and simple to complete.
Easy and fast
Super fast and easy
Super fast and easy. Great rates too!
Waste of a lot of time and the company…
Waste of a lot of time and the company didn’t ask for proof of death… when I explained that my mother’s death kept me from paying bills because I had to pay the mortgage so my family and I wouldn’t lose her house. However the agents involved tried to help…. I was trying to reinstate my policy for a month.. then was denied
Reply from Ladder2026-02-13
Thank you for sharing your feedback. We're sorry for your loss. Please note that once you miss a payment, you are granted a 60 to 61-day grace period. Additionally, if you exceed the grace period window, you would have the opportunity to be considered for reinstatement. However, reinstatement of a lapsed policy is subject to review, which can take some time, and is not guaranteed. In the event that you are declined for a reinstatement, please keep in mind that it does not mean that you cannot apply for a new policy. For further assistance or to discuss your options in detail, please contact our team at [email protected].
Got canceled after updating payment
Got canceled after updating payment, smh, also cant reach anyone to talk to, worse life insurance ever
Reply from Ladder2026-02-13
Thank you for sharing your feedback. We're sorry to hear about your experience. To clarify, Ladder offers a 60 to 61-day grace period, and if payments are not received within that time frame, the policy will lapse. If you are interested, please contact our support team at [email protected], and we can help you start the reinstatement process.
Very efficient system and you are covered the same day.
Very efficient system. I am 58 and I signed up for a $500K policy for $4 a day.
The ease of use was great
The ease of use was great. I figured it would take a long time and a lot of questions to fill out but you have made it simple, and the prices are VERY competitive. I also like the options of how to pay for insurance, very convenient, plus I can go and change beneficiary at any time and the percentage they receive. Nice Job !!
Reply from Ladder2026-02-10
Robert, thank you for taking the time to share your feedback! We're so happy to hear about your experience with Ladder.
I'm a busy man and this was a convinent…
I'm a busy man and this was a convinent way to get setup with life insurance.
Easy to navigate website interface
Easy to navigate website interface. Great user experience and interactive user interface. Simple to follow and straightforward
Yes I apply for this insurance and yes…
Yes I apply for this insurance and yes I was turned down and I was forwarded to another insurance company because I am 65 years old that to me is discrimination people should not be allowed to do what they do and this company does it so if there's anybody out there looking for insurance and you are 65 or 60 and older don't apply here because they turn you down or they push you into somebody else that is to me is discrimination to the elderly and the reason being is they figure if you're young they can get many many years of money from you but when you're older they probably figure you're going to kick the buck and you're not going to get anything
Reply from Ladder2026-01-20
Hi Annette, we're sorry to hear you didn't have a great experience. We transparently offer fully underwritten term life insurance to applicants ages 20-65, and recommend other life insurance products to anyone who is not a fit for Ladder's term insurance. We hope you were able to find coverage through one of our partners. If you need any help finding coverage please don't hesitate to reach out to us at [email protected].
Simple, Easy & Quick.
My experience was very easy and simple. I was approved within a hour.
Reply from Ladder2026-01-17
Thanks for sharing, Steven! We're glad you're covered.
Quick and easy
Made it very simple to get coverage
On point
Fast, no gimmicks, easy, satisfied
Fast and easy!
easy process with reasonably priced…
easy process with reasonably priced coverage and no medical exam.