# Ladder

**Canonical:** https://apis.io/providers/ladder/  
**Website:** https://www.ladderlife.com/  
**APIs profiled:** 1

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.

## Kin Score — 25.6 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 25.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 38.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Insurance**: 39.4 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Ladder API** — 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...

## Security (3)

- **Ladder Authentication** — bearer-token · 1 scheme
- **Ladder Domain Security** — TLSv1.3 · HSTS · DMARC
- **Ladder Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Tags

Company, Insurance, Insurtech, Life Insurance, Embedded Finance, Embedded Insurance, Financial-Services, Fintech, Quoting

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ladder/). Scores are computed from the provider's own public artifacts under a published rubric.