Ladder Life Overview Ladder allows policyholders to adjust (or “ladder”) their coverage up or down at any time, with no penalty for doing so and no limit on how often you can adjust your benefits.

Additionally, note that Ladder does not underwrite its own life insurance policies. Instead, they are issued by Fidelity Security Life Insurance Company, Amica Life Insurance and Allianz Life Insurance Company, all of which have high financial strength ratings with AM Best.

Founded in 2015, Ladder sells term life insurance online, with a fully digital application process. The company operates in all states and the District of Columbia, and offers a generous amount of coverage without a medical exam.

The companies that underwrite Ladder Life's policies (including Allianz Life Insurance Company of New York and the Fidelity Security Life Insurance Company) have A and A+ financial strength ratings, respectively, from credit rating agency AM Best.

Injuries associated with ladder/stepladder hazards Disability – Organ damage and spine/neck injuries from falls. Falling objects can also result in serious head injuries, which could cause brain damage. Serious injuries – Falls can result in bone fractures, which can be multiple, and cause ligament/tendon damage.

The companies that underwrite Ladder Life's policies (including Allianz Life Insurance Company of New York and the Fidelity Security Life Insurance Company) have A and A+ financial strength ratings, respectively, from credit rating agency AM Best.

Jamie Hale Jamie Hale is the CEO and Co-Founder of Ladder, the award-winning life insurtech helping more people get covered in an instant, easy, and affordable way.

By net premiums written

Scissor lifts can handle any application that would normally require a ladder, tower or scaffolding. Scissor lifts enable operators to complete the same jobs faster and more securely without the setup time of other equipment, such as scaffolding or a tower, and without the dangerous instability of a ladder.

While that's still true for traditional policies, a string of insurers now offer instant life insurance. Sometimes known as “fast life insurance,” these are policies you can apply for online and often get a decision on within minutes.

Most people are familiar with the saying that walking under a ladder is bad luck. What they might not know is that there is some truth to that old superstition. While origins of this myth vary depending on the culture, the most accepted version is that ladders were thought to resemble gallows in medieval times.

Falling from ladders can cause serious injuries requiring visits to the emergency department and hospital stays. Falls can occur if ladders are not in good working condition or are used unsafely.