Ladder
Flexible term cover that increases and decreases with your needs - an easy content hook
Overview
Ladder offers term life insurance with coverage that can be adjusted up or down as circumstances change, rather than locked at application. That adjustability is a genuinely useful content angle for anyone writing about life stages - new mortgage, new child, children leaving home - and it converts readers who are unsure how much cover they need.
Strengths
- $150-300 per policy
- Clear, differentiable product story
- Appeals to readers unsure about coverage amount
Trade-offs
- Term only - no whole life or permanent products
- Coverage ceiling limits high-net-worth cases
- Fewer comparison angles
Commission structure
| Model | CPA — per policy sold |
|---|---|
| Published rate | $150–$300 per policy bound |
| Cookie window | 30 days |
| Payment terms | Net 30 |
| Minimum payout | $100 |
| Recurring | No |
| Payout tier | High Top-tier payout — worth building content around |
Source: earnifyhub.com · Data checked: 2026-10-28
How to apply for the commission
- Apply via the partner programme.
- Confirm the payout trigger and the current coverage ceiling.
- Use the 'adjustable coverage' angle in your content - it is the differentiator.
- Set tracking in /go/.
- $100 minimum, Net 30.
Best paired with the life-insurance-needs calculator on this site: readers who run the calculator and see a gap are the highest-intent audience Ladder can receive.
Traffic restrictions
US traffic. Term products only.
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