Insure your life, so your family can rest easy

50% of people overestimate the cost of term life insurance. Millennials, in particular, overestimate the cost by 213%. People often think that life insurance is too expensive, but that's actually not the case!

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

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What Our #Wafflites Often Say

"Best insurance company I’ve had in years! Great customer service! Professional and courteous every time I call in with an issue."
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"Very easy to get set up. Great coverage at a fair price. Everything was transparent. Received my documents immediately."
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"The prices are unbeatable and it provides the same amount of coverage as any other company does. Super easy and quick process to enroll as well."
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"Great insurance for a great price! The coverage is exactly what I need and it doesn’t break the bank. It’s perfect!"
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"Quickest company to get insurance! Great, modern insurance company! Easy and fast to set up - makes it a relief to get insurance so quickly!"
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"I needed renters insurance within 5 days. Waffle you did it for me! Spent less than 5 minutes filling out info on my phone browser and I was all set."
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"The best and the cheapest services available in the market for maximum benefits. An ideal fit for students who’ve just started working like me."
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"This is a great cost and perfect for my lifestyle of living. The response time is even better than a lot of the big competitors."
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"Best price! Called my company of 2 years to match Waffles price and they wouldn’t. So I switched to Waffle!"
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"I love that I feel safe with my belongings In my home because I have coverage with Waffle!!!!!"
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What Makes Us Different, You Ask?

Quite a few things separate term life insurance offered through Waffle. See the difference below!

(Almost) Instant Application
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(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.

100% Online, If You Want
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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.

No Medical Exams
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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.

Flexible Coverage
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Flexible 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.

What Can Life Insurance Help Pay For

If you're like most people, you probably don't think much about life insurance. After all, it's not something that you really need until later in life, right?

Wrong. In fact, there are many good reasons to purchase life insurance, even if you're young and healthy. Here are just a few examples of how having a life insurance policy can provide a financial safety net for your loved ones.

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Mortgage Payments

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Private Student Loans

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Monthly Car Payments

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Essential Expenses

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Children’s College Tuition

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And Much More!


We’ve got answers to your life insurance questions. Have additional questions? Contact our team below!

How much insurance do I need?
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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.

Is Ladder 100% digital?
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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.

Money back guarantee?
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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.

Will Ladder be around to pay my claim?
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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.

Life Insurance You Can't Help But Love

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Waffle, with offices located at 43 West 23rd Street, New York, New York 10010, USA is a licensed insurance producer and not an insurer. Waffle operates through Waffle Labs Inc (National Producer Number: 19499260). Waffle does business in California as Waffle Labs Insurance Agency. Coverage is subject to all the terms, exclusions and conditions of the insurance policy. Please see the sample policies for further information.
Waffle Labs Inc: CA License #6003240

*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