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.
I agreed to a certain coverage then you gave a completely different policy. The option to edit the policy was not available and did not fit my needs. I also did not confirm the policy before being charged.
Reply from Ladder2026-01-12
Thank you for your feedback. Happy to clarify. When an applicant qualifies for an offer, we may present you with an offer that has a monthly premium closer to your quoted price, which can result in your coverage being lowered. That said, you may have the option to adjust your coverage back to your original requested coverage amount. If you would like more guidance, please do not hesitate to reach out to our team at [email protected].
J
Jun Rey P. · 1 review · Verified · Experienced 2026-01-10 ·
Getting a life insurance policy was on my to do list for so long! Ladder made it painless and efficient! Don't wait!!
R
Ryan · 2 reviews · Verified · Experienced 2025-12-10 ·
★★★★★
The Easiest Life Insurance Experience Ever
Ladder made getting life insurance incredibly fast, easy, and affordable. The entire process was seamless—from the application to approval—and I felt supported every step of the way. Highly recommend to anyone looking for a simple, stress-free experience!
Reply from Ladder2025-12-12
Thank you for this review, we're happy to hear you had a great experience!
Ella · 3 reviews · Verified · Experienced 2025-12-05 ·
★★★★★
Very easy 👌its straight foward
B
Bruce E. · 1 review · Verified · Experienced 2025-12-03 ·
★★★★★
It was fast and convenient
It was fast and convenient. I just hope I have coverage.
D
David Girtz · 2 reviews · Experienced 2025-11-24 ·
★★★★★
Life Insurance Application That Doesn’t Take A LIFETIME!!
Applying for supplemental life insurance with Ladder was incredibly easy and fast! Every detail is covered and we got approved almost immediately! Great experience!
P
Paul Philitas · 1 review · Experienced 2025-11-12 ·
★★★★★
My application was processed in a…
My application was processed in a professional manner and they kept me updated each step of the way until approval. They provided me a package that suits my family needs and affordable.
Reply from Ladder2025-11-24
We're so glad you had a good experience, thank you for sharing your feedback!
M
Michael · 18 reviews · Experienced 2025-11-10 ·
★★★★★
3 months of waiting, just for a generic, useless denial
I applied for life insurance with this company and waited almost 3 MONTHS for a decision, only to get an extremely vague email saying my application was denied due to "medical records". No proper explanation, no transparency, and no respect for my time. Everything they wanted I provided quickly, and gave extremely personal information on the application.
They referenced data from ExamOne and my doctor, but refused to tell me specifically what led to the denial.
They wasted months of my time and left me with no real answer. Would not recommend them to anyone seeking transparency, or professionalism.
Reply from Ladder2025-11-20
Thank you for sharing your feedback, Michael. To provide some context, the underwriting process involves a careful review of various factors, including medical history. To ensure accuracy, it is sometimes necessary for insurers to request and wait for additional records, which can occasionally lead to delays.
If you have any questions regarding your application, please feel free to contact our team at [email protected], and we will be happy to assist you.
B
BP · 1 review · Verified · Experienced 2025-11-14 ·
★★★★★
The website was easy and everything was…
The website was easy and everything was super fast!
R
Rob · 2 reviews · Verified · Experienced 2025-11-13 ·
