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Jonathan
William
Ashlie
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Meaghan
Kent
Jasiel
Gauri
Marvin
Amanda
Brittany
Life insurance is a policy that pays out a sum of money to your loved ones in the event of your death. At Waffle, we offer term life insurance through our partner Ladder. Term life insurance provides coverage for a set period of time (usually 10-30 years).
Quite a few things separate term life insurance offered through Waffle. See the difference below!
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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.
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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.
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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.
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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.
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We’ve got answers to your life insurance questions. Have additional questions? Contact our team below!
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.
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*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.