Ladder Insurance is a digital life insurance company that offers term life insurance policies online. The company was founded in 2015 and is headquartered in San Francisco, California. Ladder Insurance's policies are underwritten by Fidelity Security Life Insurance Company, a subsidiary of Fidelity National Financial. The company's platform allows customers to apply for and manage their policies entirely online, without the need for a medical exam. Ladder Insurance's policies are available in all 50 states.