Founded in 2015 and launched in 2017, Ladder is a technology-driven company on a mission to make life insurance as accessible, simple, and affordable as it can be. The company offers a direct-to-consumer digital platform that allows users to apply for, and in many cases get an instant decision on, term life insurance. A key feature of their service is "laddering," which allows policyholders to easily decrease or apply to increase their coverage online as their financial needs change over time. Ladder acts as an insurance agency, and its policies are issued by established and highly-rated insurance carriers.