LADDER LIFE* Charge (What It Is + Is It Legit?)
✓ LegitimateThe "LADDER LIFE*" charge is from Ladder. Ladder term life insurance monthly premium.
Ladder
Ladder term life insurance monthly premium.
Category
Insurance
Avg. Charge
Variable
Country
US
Billing Cycle
Monthly
Cancel At
ladderlife.com/login
Support
1-833-552-3337
Why does this charge appear?
Ladder uses the truncated billing descriptor "LADDER LIFE*" on bank statements because payment processors and card networks impose strict character limits on transaction descriptions, and including the word "LIFE" helps distinguish the charge as a life insurance product rather than simply a generic company name. The asterisk following "LADDER LIFE*" is a standard formatting convention used by payment processors like Stripe, which Ladder relies on to handle recurring premium billing, and it typically separates the merchant identifier from any additional reference information such as a policy number or billing period. If you see this charge appearing monthly, it represents your Ladder term life insurance premium being automatically deducted as part of your active policy.
What should you do?
Log into your Ladder account
Visit ladderlife.com/login and sign in to your Ladder account to confirm your active term life insurance policy and review your current premium amount. This will help you verify that the LADDER LIFE* charge on your bank statement matches your expected monthly payment.
Check your Ladder policy details
Once logged in, navigate to your Ladder policy summary to confirm the coverage amount, premium rate, and billing cycle. If the LADDER LIFE* charge amount matches what is listed in your policy, the charge is a legitimate monthly premium payment for your term life insurance.
Review your Ladder billing history
Inside your Ladder account at ladderlife.com, check your billing or payment history to see a full record of past LADDER LIFE* charges. This can help you spot any unexpected changes in your premium amount or duplicate charges that may need to be addressed with Ladder customer support.
Manage or cancel your Ladder coverage
If you no longer want the Ladder term life insurance policy causing the LADDER LIFE* charge, log in at ladderlife.com/login to adjust or cancel your coverage. Keep in mind that canceling your policy will end your life insurance protection, so consider your options carefully before making changes.
Is this charge fraudulent?
No, this is a legitimate charge from Ladder. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.
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