Coverage and pricing are subject to eligibility and underwriting criteria.


Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers- for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. 260722-5775697

Ladder, SoFi Technologies, Inc. (“SoFi”), and SoFi Insurance Agency, LLC (“SoFi Agency”) are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. SoFi and SoFi Agency do not issue, underwrite insurance, or pay claims under Ladderlife™ policies. SoFi Agency is compensated by Ladder for each issued term life policy.



By selecting Get a Free Quote, you agree to Ladder sharing with SoFi information about any insurance application you submit and any policy you may obtain.


Ladder offers coverage to people between the ages of 20 and 60 as of their nearest birthday for most products. Your current age plus the term length cannot exceed 70 years.

All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved.

How SoFi Agency Is Compensated:
There is no charge to use SoFi Agency. However, we receive compensation from insurers and other vendors in the following ways:

• Commissions: A fee paid by the insurer for originating your policy, typically calculated as a percentage of your premium.

• Contingent & Supplemental Commissions: Performance-based bonuses from insurers for hitting annual targets, like customer volume or retention. (Supplemental commissions are based on past performance and known in advance; contingent commissions are not).

• Marketing Fees: Compensation for presenting promotions or linking you to an insurer’s application site.

• Affinity Partner Revenue: Income earned when you engage with or request services from third-party partners advertising on our platform.



If you have any questions about how we are compensated, please feel free to reach out to SoFi Agency.

¹No medical exams required: While medical exams may not be required for coverage up to $3M, certain health information is required as part of the application to determine eligibility for coverage.


²20% off Trust & Will: This SoFi member benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Trust & Will Terms of Service.

Trust & Will is offering a limited time 20% discount on the initial purchase of estate plans specifically for SoFi members. No promo code required; the 20% discount is automatically applied at checkout to the initial purchase if a Will or Trust-based estate plan. Subsequent upgrades aren’t eligible for discount. The promotion may be terminated or changed at any time without notice.

SoFi doesn’t provide tax or legal advice. Consult with a qualified tax advisor or attorney about your specific needs.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

PRO26-4134400-A