From $25/month· #4
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Ladder Life
Adjust your coverage as your family's needs change
Ladder's ability to adjust coverage up or down is genuinely unique and valuable for young families whose financial picture will change significantly over the next two decades. Had a second child? Increase coverage. Paid off the mortgage? Ladder down and save.
✓ Pros
- Unique ability to increase or decrease coverage at any time
- Coverage up to $8M — highest maximum among online-first insurers
- Competitive rates with fully online application
✕ Cons
- Laddering coverage up requires new underwriting review
- No riders or supplemental products
Scores
Overall
8.8
Safety
9.4
Value
9.1
Ease
9.3
Quality
9
Specifications
am Best RatingA
max Coverage$8M
term Lengths10, 15, 20, 25, 30 years
medical ExamSometimes required
instant Approvaltrue