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Get life insurance 100% online with our (almost) instant application process.
Life insurance you can't help but love
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*Pricing based on a 20 year old female with a preferred plus rating for a $100K 10-year term policy. Ladder Insurance Services, LLC (CA license # 0K22568; AR license # 3000140372) offers term life insurance policies: (i) in New York, on behalf of Allianz Life Insurance Company of New York, New York, NY (policy form # MN-26); and (ii) in all other states and the District of Columbia on behalf of Allianz Life Insurance Company of North America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to issue life insurance in the state of New York. Insurance policy prices, coverages, features, terms, benefits, exclusions, limitations and available discounts vary between these insurers and are subject to qualifications. Each insurer is solely responsible for any claims and has financial responsibility for its own products.
Why people choose Waffle?
No medical exams
With the 100% digital process, you just need to answer some health questions and our partner will take care of the rest for up to 3 million in coverage. Forget about exams, tests, or even needles and get back to what you love the most.
(Almost) instant application
Through our partner, we make life insurance both affordable and easy to get. The application process takes about 5 minutes and most people are instantly approved. Yep. Help protect your family same day in minutes.
Affordable coverage
You choose the coverage that fits your needs. We know life changes in an instant which is why you can change your coverage amount at anytime with no penalties. It's affordable and flexible.
100% online, if you want
The process was designed to be done easily online. But sometimes talking to a human is best. Ladder’s team of non-commissioned licensed life insurance agents are ready to help with any questions along the way.
Answer a few health questions
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Life insurance you can't help but love
Affordable | 100% Online | No Medical Exams*
Top rated by customers and industry