Overview
Ladder is a fully digital term life insurance company that offers flexible coverage customers can adjust over time. Founded in 2015 and headquartered in Palo Alto, California, Ladder has issued more than USD 104 billion in life insurance coverage. The company operates as a managing general agent (MGA), managing general underwriter (MGU), and third-party administrator (TPA) nationally, and as a licensed insurer in California. Ladder is distinguished by its 100% vertically integrated technology stack and its unique "laddering" feature that allows policyholders to decrease coverage as their financial obligations change.
At a Glance
- Founded
- 2015
- Headquarters
- Palo Alto, CA, USA
- Employees
- 51-200
- Funding
- USD 191M total (Series D USD 100M at USD 900M valuation)
Category & Focus
Links
Last updated: 2026-06-03