Rather than only looking to purchase a single level term policy, some consumers considering “laddering” their term life coverage. With this concept you end up with the proper amount of insurance to start the plan but over time as planned needs for life insurance drop off, coverage is automatically reduced. This can control cost while ensuring proper protection along the way.

Take a moment to run a laddered term life insurance plan. Our system will return the lowest cost options for each portion of the laddered life insurance program. Click through to start the process of obtaining coverage.

If you would like to run standard level term insurance quotes, visit the following page:

Instant Term Life Insurance

(New) Instant Disability Insurance Quotes for Medical Residents

Feel free to submit this for any laddered design that you want. Our tool will auto select the carriers to be used in the ladder. We will review ALL submissions to make sure the optimal carriers are used so please do not worry too much about getting the tool to return the same carrier multiples times.

Adding additional carriers can make for increased cost and work for underwriting and nurse visits, etc. Insuring Income is all about making this easy but also we are here to help you save money. A properly designed and implemented laddered plan can be great – and we will make sure the final touches are applied so you can have the peace of mind that you are seeking when purchasing life insurance.


Disability waiver of premium riders state that if you are deemed to be totally disabled and unable to work, you are not responsible for making premium payments. The insurance company will waive the premiums and coverage remains in place.
The policy can have different amounts of insurance for each ladder step. In the final phase of the program after the other steps in the ladder have expired, how much coverage would you like to have in place?

If at any point you want to alert us that you have questions or need help, please check the box below and then complete the fields, as they appear:

Check the box to request assistance from an agent
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