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Get same day coverage in minutes in 3 steps

Get life insurance 100% online with our (almost) instant application process.

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Life insurance you can't help but love

See if you qualify for same-day coverage by answering a few health questions.


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Will Ladder be around to pay 
my claim?

Our policies are issued by insurers with long, proven histories of paying claims. They’re rated A+ by A.M. Best and, like us, they’re not going anywhere*. Still, here’s when a policy may not pay out: death by suicide, and fraud.
Money back guarantee?

Yep! If, for whatever reason, you’re not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel at any time without any cancellation fees.
Is Ladder 100% digital?

We are 100% digital — no doctors or paperwork required — when you apply for $3 million in coverage or less; just answer a few health questions as part of the application. Anything greater and we may ask you to complete a quick, free, at-home health check. 
Who can i talk to if i need help?

Each member of Ladder's support team is a licensed life insurance agent who doesn’t work on commission. They’ll answer any question you may have and help you get the right policy for you. 
How much insurance do i need?

10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more.  
Why term life insurance vs whole life insurance?

Term insurance protects your family for the 10-30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is much more affordable than whole coverage, which can last as long as you pay for it. 

Frequently Asked Questions


We're your all-in-one insurance solution! It's smart, it's customizable, and ridiculously good.

See what real people are saying

*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 apply. 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



Life insurance you can't help but love

Affordable | 100% Online | No Medical Exams*

Top rated by customers and industry

*Allianz Life Insurance Company of New York and Allianz Life Insurance Company of North America have been rated A+ (Superior) based on an analysis of financial position and operating performance - affirmed October 2021, by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access