Each individual has unique insurance requirements, so it's important to shop around before settling on a policy and term length. As the needs of each family are unique, there is no universal solution. However, there are some guidelines that may help you decide how much insurance to get and for how long.
Think about the big picture, like how much you owe and how much money you want to leave to your heirs. Then deduct any savings or life insurance you already have. Take a few minutes to fill out our Calculator to get a personalized answer to this question. You can schedule a chat with one of our certified experts right here, or you can contact us whenever it's convenient for you.
Keep in mind that Ladder gives you options. In the event that you purchase more insurance than is necessary, you can always reduce your policy (with no fees or penalties). However, additional coverage can be applied for if your needs increase.