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Ladder

Life insurance
made easy.

SoFi has teamed up with Ladder to
bring you term
life insurance that's
competitive, quick to set up, and
easy to understand.

Calculate my needs

We are directing you to Ladder to complete your application. SoFi will not be your host and is not responsible for content provided. You will be subject to Ladder’s Privacy Policy and Terms & Conditions. SoFi is compensated by Ladder for each issued term life policy.

Why Ladder?

Apply for life insurance coverage in minutes and get a decision instantly. As your life changes, you can always decrease or cancel your coverage with a couple of clicks. No fees, no hassle.

Flexible coverage

Get coverage that ranges from $100K to $8M and 10 to 30 years. Adjust at any time.

Great rates

Ladder offers competitive insurance rates for the coverage that’s right for you.

Quick application

Get your quote and apply in minutes. Medical tests are not required for eligible applicants.1

Trustworthy

Rated 4.8 out of 5 stars on Trustpilot on over 2,500 reviews.

How it works:

1

Get started

Select your coverage
amount and term.

2

Apply online

Complete your application in
minutes—eligible cases don’t require a medical test.1

3

Instant Decision

We value your time.
Check it off your list.

Easily create and manage your estate plan.

For a limited time get 20% off a trust, will, or guardianship through our partner, Trust & Will.*

Learn more

The service provides forms for your use, not legal advice. Using these documents is not a substitute for obtaining legal advice.

Ladder FAQs

Term life insurance is life insurance that provides coverage at a fixed price for a specific period of time. As such, it is often less expensive than permanent life insurance products that typically cover you for the entirety of your life. To find out more about term life insurance and other helpful articles, visit Ladder’s Knowledge Center. You can also reach out to their helpful experts with any questions at 1-855-622-0299.
Ladder is our trusted partner for term life insurance. Ladder is for people who value a streamlined process and who want to be able to easily adjust their coverage as their needs change over time. We’re excited to be combining innovative technology with industry expertise to provide top quality products for our members.
Life insurance needs vary from person to person. Calculate your needs by using this calculator.
You can speak with Ladder’s helpful experts by calling 1-855-622-0299. They are licensed, but not commissioned agents that can answer any questions you might have.

See All FAQs

Ready to get started?

Apply for a policy in minutes.