Insure your life, so your family can rest easy

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

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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!
What is Life Insurance

What is Life Insurance?

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).
Almost Instant Life Insurance Application

(Almost) Instant Application

Through our partner, we make life insurance both affordable and easy to apply for. 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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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 licensed and experienced life insurance agents are ready to help with any questions along the way.
Life Insurance No Medical Exams

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

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

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 & Monthly Car Payments
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Private Student Loans
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Children’s College Tuition
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Essential Expenses & Much More!
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Frequently Asked Questions

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

Is Your Partner Ladder 100% digital?

100% digital - no doctors or paperwork required - when you apply for $3 million or less; just answer a few health questions as part of the online application. Anything greater and a health check will be required but can be done in the comfort of your home or place of work.

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.

Will Ladder be around to pay my claim?

Ladder distributes term life insurance products issued by multiple highly rated insurers 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 # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com.  All insurance products are governed by the terms set forth in the applicable insurance policy.  Each insurer has financial responsibility for its own products.2303.7-LD, Rev. 3/2023