Ladder has streamlined the entire life insurance buying process from application, to underwriting, to policy issuance and delivery. Our fastest customer has moved through all the steps from application to a fully underwritten life insurance policy, accepted and delivered, in just 4 minutes. And the majority of our customers take less than 15 minutes to move through all the steps from application to a policy being offered. This stands in sharp contrast to others in the industry who say you can ‘apply’ or ‘sign-up’ in as little as 10 minutes. The reality is that for their customers, usually that’s just the start. They’ll often want to get you on the phone for a 45-minute telephone underwriting interview, and then take days or weeks to give you a final decision.

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