Ladder provides term insurance seekers with an easy to use the online application with instant decision. You can have immediate term insurance in a matter of minutes instead of a matter of months like most insurance companies. With a one product catalog, Ladder simplifies term insurance which can save you time and money. The concept of 'Ladder' regarding your policy allows you to receive more coverage or downgrade your coverage depending on your life situation. For example, if you pay off your mortgage, you can decrease coverage and save on your monthly bill. Licensed insurance professionals at Ladder are salaried employees. Unlike commissioned agents, Ladder employees will answer all of your questions without trying to sell you a more expensive policy.