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Get protection for your family in minutes

Life is unpredictable.
Your protection shouldn’t be.

You can’t control tomorrow, but you can protect the people who rely on you.

With term life insurance through UNest, you help secure your family’s financial future when the unexpected happens. Not just a policy. A promise of stability.

  • Protect the people you love.
  • Support them when it matters most.
  • Apply in minutes. Get covered for years.
Family protection

Your Life Insurance Quote

Do you have a parent or sibling with diabetes, cancer, or heart disease?
Are you a smoker?

By selecting ‘Get Your Quote’, you agree that UNest will share your information with Ladder to provide you with life insurance options and for Ladder to share with UNest information about any insurance application you submit and any policy you may obtain related to this referral. Refer to Ladder’s Privacy Policy and UNest’s Privacy Policy for more information.

Complete some health and lifestyle questions to get a personalized quote in seconds.

  • No phone calls.
  • Clear pricing.
  • Immediate eligibility check.

Apply instantly through our partner Ladder. One simple step today helps ensure stability and reassurance for the people who matter most.

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TrustScore 4.7 | 3,006 reviews as of Aug 2026
Father and daughter making faces

Smart Questions You May Be Asking

Ladder’s policies are issued by highly rated insurers, and, like us, they’re not going anywhere. Still, here’s when a policy may not pay out: death by suicide, and fraud.
Yep! If, for whatever reason, you’re not completely happy with your policy, cancel in the first 30 days and get a full refund. After that, you can cancel any time without any cancellation fees.
We are 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Just answer some questions about your health in our application. Anything greater than $3M and we may ask you to complete a quick, free, at-home health check.
Term insurance protects your family for the 10–30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is typically more affordable than whole coverage, which can last as long as you pay for it.
10x your salary is the quick math. It may sound like a lot, but think of everything it could be used to cover: a mortgage, debt, higher education, an emergency fund and more.
Ladder’s customer experience team is standing by to answer any questions and help you get the right policy for you. Reach them at help@ladderlife.com.

Hear from our brand ambassadors

Tap a card to discover their story

Montell Jordan

This is how we UNest

Montell Jordan

Grammy-Nominated Artist

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For all you parents out there, do well by your children. Y'all can save! UNest!

Montell Jordan

Grammy-Nominated Artist

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Brent Celek

UNest makes investing easy

Brent Celek

Superbowl Champion

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I have four kids, and their future matters. Saving and investing should not be complicated. UNest removes the friction that turns good intentions into unfinished projects. I wish this had existed earlier in my life.

Brent Celek

Superbowl Champion

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Baron Davis

Transforming the financial future of the next generation

Baron Davis

NBA All-Star

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As a father of two young boys, I care about their financial future and I know that other parents are feeling the same way. By making it easy for parents to step into saving plans, UNest is going to transform the future of the next generation.

Baron Davis

NBA All-Star

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Want to become a brand ambassador?

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products. 260811-5833116