Returns Are a Headache for Retailers as Shipping Costs Rise

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Retailers are dealing with a troubling trend as holiday gift returns steadily increase year over year, threatening profit margins.

Jan

05

2022

Online Life Insurance

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Life insurance
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SoFi has teamed up with Ladder to

bring you term

life insurance that’s

competitive, quick to set up, and

easy to understand.

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We are directing you to Ladder to complete your application. SoFi will not be your host and is not responsible for content provided. You will be subject to Ladder’s Privacy Policy and Terms & Conditions. SoFi is compensated by Ladder for each issued term life policy.

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Why Ladder?

Apply for life insurance coverage in minutes and get a decision instantly. As your life changes, you can always decrease or cancel your coverage with a couple of clicks. No fees, no hassle.

Flexible coverage

Get coverage that ranges from $100K to $8M and 10 to 30 years. Adjust at any time.

Great rates

Ladder offers competitive insurance rates for the coverage that’s right for you.

Quick application

Get your quote and apply in minutes. Medical tests are not required for eligible applicants.¹

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Rated 4.8 out of 5 stars on Trustpilot on over 2,500 reviews.

How to get life insurance:

1

Get started

Select your coverage
amount and term.

2

Apply online

Complete your application in
minutes—eligible cases don’t require a medical test.¹

3

Instant Decision

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Check it off your list.

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Easily create and manage your estate plan.

For a limited time get 20% off a trust, will, or guardianship through our partner, Trust & Will.*

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The service provides forms for your use, not legal advice. Using these documents is not a substitute for obtaining legal advice.

Life Insurance FAQs

What is term life insurance?

Term life insurance is life insurance that provides coverage at a fixed price for a specific period of time. As such, it is often less expensive than permanent life insurance products that typically cover you for the entirety of your life. To find out more about term life and other helpful articles, visit Ladder’s Knowledge Center. You can also reach out to their helpful experts with any questions at 1-855-622-0299.

What is life insurance?

Life insurance is a contract that provides your loved ones with a lump-sum, tax-free payment, known as a death benefit, after you pass away. In exchange for your regular premium payments, it acts as a financial safety net to help your family cover expenses like mortgage payments, college tuition, or daily living costs.

What is whole life insurance?

Whole life insurance is a type of permanent life insurance that provides coverage for your entire life and also builds a cash value that you can borrow against. Unlike term life insurance, which only covers you for a specific period, a whole life policy doesn’t expire and its premiums typically remain the same.

Is life insurance taxable?

No, the death benefit from a life insurance policy is paid out to your beneficiaries almost always 100% income-tax-free. This is one of the most significant advantages of life insurance, as it allows you to pass on money to your loved ones without creating a tax burden for them.

How does life insurance work?

Life insurance works in a few simple steps: you purchase a policy and pay regular premiums to keep it active. If you pass away while the policy is in force, the insurance company pays the predetermined death benefit to the person (or people) you named as your beneficiary. They can then use that money for any purpose.

How much is life insurance?

The cost of life insurance varies widely but can be surprisingly affordable, especially for young, healthy individuals. Your specific premium is based on factors like your age, health, lifestyle (e.g., smoking), and the type and amount of coverage you choose. A healthy 30-year-old, for example, might find a significant term policy for less than $30 a month.

What does life insurance cover?

Life insurance provides a cash payout that your beneficiaries can use for any financial need without restriction. Commonly, life insurance covers everything from immediate expenses like funeral costs to long-term needs like replacing lost income, paying off a mortgage, funding college education, or simply providing a financial cushion during a difficult time.

How much life insurance do I need?

Life insurance needs vary from person to person. Calculate your needs by using this life insurance calculator.

Is there someone I can call to learn more?

You can speak with Ladder’s helpful experts by calling 1-855-622-0299. They are licensed, but not commissioned agents that can answer any questions you might have.

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