Ladder

Ladder is a digital-first life insurance agency offering term life insurance policies up to $3 million with no medical exams required for standard coverage. Based in Palo Alto, Ladder streamlines the application process to just a few health questions, enabling same-day approval and flexible policy adjustments as your life circumstances change. Their policies are issued by highly-rated insurers, and they offer a 30-day money-back guarantee with no cancellation fees.