Terms of Service

These Terms of Service ("Terms") govern your use of the website and services of Ladder Financial LLC ("Ladder Financial," "we," "us," or "our"). By using our website or communicating with us, you agree to these Terms.

1. About Us

Ladder Financial LLC is an independent life insurance agency. We are not an insurance carrier; we help individuals and families compare and obtain life insurance coverage from third-party insurance companies. All coverage is subject to the terms, conditions, and underwriting approval of the issuing insurer.

2. No Guarantees

Information on this site is for general educational purposes and is not financial, tax, or legal advice. Product availability, features, riders, and rates vary by state and carrier and are subject to change and underwriting approval. Guarantees are backed by the claims-paying ability of the issuing insurance company.

3. Messaging & Consent

If you opt in to receive text messages, you consent to receive marketing and/or informational SMS messages at the number you provide, including via automated technology. Consent is not a condition of purchase. Message frequency varies, and Msg & data rates may apply. You can opt out at any time by replying STOP, or reply HELP for assistance. See our Privacy Policy for how we handle your information.

4. Your Responsibilities

You agree to provide accurate information and to use our website and services lawfully. You are responsible for the accuracy of the information you submit through our forms or chat widget.

5. Intellectual Property

All content on this website, including the Ladder Financial name and logo, is the property of Ladder Financial LLC and may not be used without permission.

6. Limitation of Liability

To the maximum extent permitted by law, Ladder Financial LLC is not liable for any indirect, incidental, or consequential damages arising from your use of this website or our services.

7. Governing Law

These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-laws rules.

8. Contact Us

Ladder Financial LLC
94 W Sycamore Ln, Vineyard, UT 84059
(385) 452-9061 · [email protected]