LIFE INSURANCE

Life insurance
made easy.

Get my quote
Calculate my needs

Powered by
Ladder

SoFi has teamed up with Ladder to bring you term life insurance that’s affordable, quick to set up, and easy to understand. Get your quote for coverage that ranges from $100K to $8M.

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

Easy estate planning

Drafting your will is simple-and free for SoFi members.

How it works:

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

We value your time.
Check it off your list.

Get my quote

Draft your will for free.

In times of uncertainty, it never hurts to have a plan in place for you and your family. No matter what your financial situation is, Ladder makes drafting your will easy-and free for all SoFi members.


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

Ladder FAQs

Ready to get started?

Apply for a policy in minutes.

Get my quote

SoFi has teamed up with Ladder, our life insurance partner, to make drafting your will simple-and free for all SoFi members.

Please register or log in with SoFi.com. We will then direct you to our partner, Ladder, to start the estate planning process.

SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Ladder. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.

SoFi has teamed up with Ladder to bring you term life insurance that’s competitively priced, quick to set up, and easy to understand.

We are now directing you to our partner, Ladder, to complete your application.

SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Ladder. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.

SoFi has teamed up with Ladder to make insurance easy.

By clicking below, you will leave SoFi.com to visit Ladder’s website.

SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Ladder. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.

1Instant coverage is available to applicants who meet certain risk and eligibility requirements. Ladder offers term policies in New York (policy form # MN-26) that are issued by Allianz Life Insurance Company of New York. Term policies are issued in all other states and DC by Fidelity Security Life Insurance Company, Kansas City, MO (policy form No. ICC17-M-1069 and M-1069). Coverage and pricing is subject to eligibility and underwriting criteria. SoFi Agency and its affiliates do not guarantee the services of any insurance company. The California license number for SoFi Agency is 0L13077 and for Ladder is OK22568. Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. Social Finance, Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under LadderLifeTM policies. SoFi is compensated by Ladder for each issued term life policy.

SoFi offers customers the opportunity to reach Ladder Insurance Services, LLC to obtain information about estate planning documents such as wills.

Social Finance, Inc. (“SoFi”) will be paid a marketing fee by Ladder when customers make a purchase through this SoFi Protect link.

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.

The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google Inc.

©2021 Social Finance, Inc. All rights reserved.
TLS 1.2 Encrypted
Equal Housing Lender