Online Websites Reviews Reviews [July] Know its Legitimacy Here! Reviews Reviews [July] Know its Legitimacy Here! -> This article throws light on an online insurance company that promises to offer a cost-effective policy to its customers.

Does the thought of entailing in the long and tiring process of life insurance intimidate you? You do not need to worry anymore. is the solution, an innovative and digital-friendly insurance company. is the United States-based insurance company located in California. It was launched in 2017. This company guides and supports its customers through its modern and professional services.

In the following article, we have summarized Reviews to help you know the company better. These reviews will let you understand Is Legit or not?

What is is an online portal that helps you navigate term life insurance. This user-centric company provides you a dynamic coverage to make you comfortable with life insurance.

You can choose your term and coverage amount at a premium that is affordable for you. has collaborated with Fidelity Security Life Insurance Company and Allianz Life Insurance Company to issue Ladder Life policies. does not employ any commissioned sales agents. It has smart algorithms that work in real-time to give you the best price. 

They have excellent customer service and boast of professional specialists who are there to help. updates its customers with newsletters and blogs. Their insurance tips and advice on personal finance are very informative.

Specifications of

  • Products- Term life insurance coverage
  • Website- 
  • Address- Ladder Financial Incorporation, Menlo Park, P.O. Box 456, CA 94026
  • Email-
  • Contact for press inquiries-
  • Policy fee- Free
  • Cancellation policy- You can cancel anytime
  • Refunds- Full refund if you cancel within 30 days
  • Age limit- 20 to 60 years
  • Policy length- 10, 15, 20, 25, or 30 years
  • Methods to claim- Online or through phone 
  • Mode of payment- you can pay your insurance premium online through credit card.

Pros of

  • Very streamlined, efficient, and quick process
  • The process is fully online and provides instant coverage once the premium is paid.
  • It offers you the flexibility to increase or decrease your coverage.
  • Very affordable insurance premium
  • A user-friendly website
  • Very positive customer reviews
  • No middlemen or brokers are involved.
  • They have licensed and well-trained customer specialists.
  • No medical exam is required for most of the customers.

Cons of

  • The customers are required to print the policy documents on their own
  • Not eligible for someone older than 60 
  • Offers only term life insurance policy
  • The process is purely online, hence lacks the human touch.
  • It is not for people who are not comfortable managing their policy online. 

Is legit?

Digital marketing and eCommerce are booming industries. As the world becomes more techno-savvy, most of the businesses are transforming into an online mode. 

There is no doubt that web shopping/services are the great saviours of time and money.

But here is a word of caution. One has to be very alert while venturing into online sites as there is plenty of clever fish among the lot. Most of the signs are positive of this company. Reviews will tell you if is created to help or dupe innocent customers. 

Let’s find Is legit or a fraudulent company?

What are people saying about

Their website is rife with promising reviews from their customers. 

You can find more than 1000 verified reviews for on the internet, and most of them are positive.

Customers are very appreciative of their easy application process, fast approval, and reasonable pricing. You can connect with them on Facebook, Twitter, and Instagram.

Most of your queries are answered through their FAQ section. If you have more questions, you can contact their knowledgeable staff through online chat, email, or text. Such prompt service gives them a soaring reputation.

Their review on YouTube by a trusted source is another feather on their cap.

Final verdict: enjoys a reputable standing in the market, which is supported by very positive reviews.

They have the backing of eminent investors such as Canaan, NYC, Lightspeed, 8VC, Thomvest, and Northwestern Mutual Future Ventures. The article by “The Wall Street Journal” on the journey and about reinventing life insurance is worth a read. enjoys a 4.8-star rating, and its app also boasts of a 5-star rating.

It provides the most convenient and painless way to buy insurance from the comforts of your home. is indeed a futuristic insurance company, which is here to stay.

Hence, the company is legit and we highly recommend to the readers of this article. 

If you have any experience with, please share it here. 

It will go a long way in helping people who are looking for an online insurance company.

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Abigail Hazel
Greetings, I’m Abigail Hazel. I’m a web developer living in Australia. I am a fan of travel, reading, and writing. I’m also interested in fitness and running.You can read my articles on my website. Thanks!