Get your personalized quote in as little as 5 minutes with no medical exam for coverage under $3 million, just answer some health questions as part of the online application.
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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.
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.
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.
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.
*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.
*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 www.ambest.com.