# Ladder

> Ladder (Ladder Financial Inc. / Ladder Insurance Services, LLC) is a digital life insurance company selling flexible term life insurance fully online — a few health questions, no medical exam up to $3M, 10-30 year terms, and "laddering" to adjust coverage over time. Policies are underwritten by partner carriers (Amica Life, Fidelity Security Life, S.USA Life). Ladder also runs an embedded-insurance distribution business: the Ladder API lets partner platforms embed quoting and a full term-life application in roughly ten lines of JavaScript.

Generated by the API Evangelist enrichment pipeline on 2026-07-19 from apis.yml and the artifacts in this repository. Ladder does not publish an llms.txt (https://www.ladderlife.com/llms.txt returns 404).

## APIs

- [Ladder API](https://www.ladderlife.com/api): Embedded term-life-insurance distribution for partner platforms. Client-side JavaScript integration — load Ladder's v3 bundle, construct `LadderAPI` with a user auth token minted by your own backend, and mount a flow into a container element. Base: https://www.ladderlife.com/api/v3/
- Surfaces: Embeddable API (full white-labeled application flow), Quoter API (price estimates in your UI), Connector (pre-fill + deep-link into Ladder's application), Calculator (coverage-needs sizing), Account Manager (in-app policy servicing).
- Access is granted by partner request; there is no public self-service signup and no published OpenAPI.

## Specs

- No OpenAPI, AsyncAPI, GraphQL, or Protobuf definition is published by Ladder as of 2026-07-19. Probes of /openapi.json and /.well-known/api-catalog returned 404.

## Artifacts

- [Authentication profile](authentication/ladder-authentication.yml): partner-minted user bearer token passed to the `LadderAPI` constructor; no OAuth or OIDC surface published.
- [Conventions](conventions/ladder-conventions.yml): integration model, URI-path versioning (v3), config object, `.mount()` semantics; pagination/idempotency/error envelope are undocumented.
- [Embedded components](components/ladder-components.yml): the five embeddable surfaces and the v3 loader bundle.
- [Lifecycle](lifecycle/ladder-lifecycle.yml): v3 URI-path versioning; no changelog, deprecation policy, SLA, or status page published.
- [Well-known index](well-known/ladder-well-known.yml) and [security.txt](well-known/ladder-security.txt): RFC 9116 security.txt present; no OIDC/OAuth discovery, api-catalog, or ai-plugin manifest.
- [Vulnerability disclosure](security/ladder-vulnerability-disclosure.yml): responsible-disclosure program at https://www.ladderlife.com/security, security@ladderlife.com, 48-hour acknowledgement, safe harbor, no paid bounty.
- [Domain security](security/ladder-domain-security.yml): TLS 1.3, HSTS (max-age 31536000), SPF and DMARC (p=reject), CAA present, DNSSEC not enabled.

## Docs

- [Ladder API partner page](https://www.ladderlife.com/api)
- [Help center](https://support.ladderlife.com/hc/en-us)
- [Life insurance guide](https://www.ladderlife.com/guide)
- [Insurance calculator](https://www.ladderlife.com/calculator)
- [Security and responsible disclosure](https://www.ladderlife.com/security)
- [Terms](https://www.ladderlife.com/terms)
- [Privacy](https://www.ladderlife.com/privacy)
- [Licenses](https://www.ladderlife.com/licenses)

## Company

- [Website](https://www.ladderlife.com/)
- [About](https://www.ladderlife.com/about)
- [Blog](https://medium.com/ladderlife)
- [GitHub](https://github.com/ladderlife) — engineering org (mostly Clojure/infrastructure open source and forks; no first-party API client SDKs published)
- [Careers](https://www.ladderlife.com/careers)
- Partner programs: [Ladder for Advisors](https://www.ladderlife.com/advisors), [Affiliates](https://www.ladderlife.com/affiliates), [Agents](https://www.ladderlife.com/agents), [Ladder @ Work](https://www.ladderlife.com/work)
- Investors: Canaan Partners, General Catalyst, Lightspeed Venture Partners