Ladder

aid: ladder
name: Ladder
url: https://raw.githubusercontent.com/api-evangelist/ladder/refs/heads/main/apis.yml
description: 'Ladder (Ladder Financial Inc., operating as Ladder Insurance Services, LLC) is a digital life insurance company
  founded in 2015 that sells flexible term life insurance fully online — a few health questions, no medical exam for policies
  up to $3M, 10-to-30 year terms, and "laddering" that lets a policyholder raise or lower coverage as their circumstances
  change. Policies are underwritten by partner carriers (Amica Life, Fidelity Security Life, and S.USA Life / Prosperity Life
  Group). Alongside the direct-to-consumer product, Ladder runs an embedded insurance distribution business: the Ladder API
  lets fintech, lending, investing, benefits, and health-and-wellness platforms embed quoting and a full term-life application
  into their own site or app in roughly ten lines of JavaScript, with a Quoter, Connector, Calculator, and Account Manager
  surface, and commission or marketing-fee revenue share. Access to the API is granted through a partner request rather than
  public self-service signup. Ladder is backed by Canaan Partners, General Catalyst, and Lightspeed Venture Partners.'
x-type: company
x-source: vc-portfolio
x-backed-by:
- canaan-partners
- general-catalyst
- lightspeed-venture-partners
x-tier: profiled
x-tier-reason: embedded-insurance-api-provider
specificationVersion: '0.20'
image: https://ddw3p1oh0ex89.cloudfront.net/assets/b/12d840655daaf0aca843047d94b9b219dda2b8ac2bd5431dd0b6cd6d937b0e3d/static/img/favicon-rungs/apple-touch-icon.png
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Insurance
- Insurtech
- Life Insurance
- Embedded Finance
- Embedded Insurance
- Financial Services
- Fintech
- Quoting
apis:
- aid: ladder-api
  name: Ladder API
  description: The Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is delivered
    primarily as a client-side JavaScript integration — a partner loads Ladder's v3 bundle, constructs a LadderAPI instance
    with a user auth token minted by the partner's own backend, and mounts one of Ladder's flows into a container element
    on the page. The published surfaces are the Embeddable API (the full white-labeled application flow), the Quoter API (price
    estimates in the partner's UI), the Connector (pre-fills known applicant data and deep-links into the right step of Ladder's
    application), the Calculator (coverage-needs questionnaire), and the Account Manager (lets a partner's users manage existing
    Ladder policies in-app). Reference documentation is gated behind a partner access request; the public surface documents
    the integration model, the loader, and the product set.
  humanURL: https://www.ladderlife.com/api
  baseURL: https://www.ladderlife.com/api/v3/
  tags:
  - Insurance
  - Life Insurance
  - Embedded Insurance
  - Quoting
  - Embedded Finance
  properties:
  - type: Documentation
    url: https://www.ladderlife.com/api
  - type: SignUp
    url: https://www.ladderlife.com/api
  - type: Authentication
    url: authentication/ladder-authentication.yml
  - type: Conventions
    url: conventions/ladder-conventions.yml
  - type: Components
    url: components/ladder-components.yml
  - type: Lifecycle
    url: lifecycle/ladder-lifecycle.yml
common:
- type: DeveloperPortal
  url: https://www.ladderlife.com/api
- type: Documentation
  url: https://www.ladderlife.com/api
- type: Website
  url: https://www.ladderlife.com/
- type: SignUp
  url: https://www.ladderlife.com/api
- type: Login
  url: https://www.ladderlife.com/login
- type: Support
  url: https://support.ladderlife.com/hc/en-us
- type: HelpCenter
  url: https://support.ladderlife.com/hc/en-us
- type: Blog
  url: https://medium.com/ladderlife
- type: GitHubOrganization
  url: https://github.com/ladderlife
- type: TermsOfService
  url: https://www.ladderlife.com/terms
- type: PrivacyPolicy
  url: https://www.ladderlife.com/privacy
- type: Security
  url: https://www.ladderlife.com/security
- type: SecurityTxt
  url: well-known/ladder-security.txt
- type: WellKnown
  url: well-known/ladder-well-known.yml
- type: VulnerabilityDisclosure
  url: security/ladder-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/ladder-domain-security.yml
- type: Authentication
  url: authentication/ladder-authentication.yml
- type: Conventions
  url: conventions/ladder-conventions.yml
- type: Components
  url: components/ladder-components.yml
- type: Lifecycle
  url: lifecycle/ladder-lifecycle.yml
- type: LLMsTxt
  url: llms/ladder-llms.txt
- type: Licenses
  url: https://www.ladderlife.com/licenses
- type: Careers
  url: https://www.ladderlife.com/careers
- type: About
  url: https://www.ladderlife.com/about
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence