An in-depth comparison to help you choose the right life insurance carrier.
| Feature | Haven Life | Ladder Life |
|---|---|---|
| Financial Backing | MassMutual (A++) | Fidelity & Guaranty (A) |
| Max Coverage | $3,000,000 | $8,000,000 |
| Coverage Flexibility | Fixed | Adjustable |
| Application | Fully online | Fully online |
| No-Exam Limit | Up to $3M | Up to $3M |
| Issue Ages | 20-65 | 20-60 |
| Coverage Range | $100,000 - $3,000,000 | $100,000 - $8,000,000 |
| Premium Range | $12 - $250/mo | $10 - $400/mo |
Compare rates from top-rated life insurance carriers.
AM Best Rating: A++ (MassMutual) | Founded: 2015 | Headquarters: New York, NY
Coverage: $100,000 - $3,000,000 | Premiums: $12 - $250/mo
Best For: Tech-savvy buyers who want affordable term coverage entirely online.
AM Best Rating: A (Fidelity & Guaranty) | Founded: 2017 | Headquarters: Palo Alto, CA
Coverage: $100,000 - $8,000,000 | Premiums: $10 - $400/mo
Best For: Those who want the ability to adjust coverage amounts over time.
Haven Life has the edge in financial backing (MassMutual). Ladder Life stands out with its unique ability to adjust coverage amounts up or down as your needs change.
Compare rates from top-rated life insurance carriers.