Ladder

Ladder is a digital-first life insurance company that uses technology and design to make term life insurance simple, affordable, and fully online. Founded in 2015 and based in Palo Alto, Ladder offers flexible term life coverage from $100,000 to $8 million with 10–30 year terms. The application process is 100% digital with instant decisions for coverage up to $3 million — no doctors, no needles, no paperwork. Ladder's unique 'laddering' feature lets policyholders adjust their coverage amount as their financial needs change, reducing premiums over time. The platform is licensed in all 50 states and backed by investors including Allianz Life Ventures, RRE Ventures, Nyca Partners, Thomvest Ventures, and Northwestern Mutual Future Ventures.