Ladder Platform Overview

Welcome to the Ladder API documentation! Here you’ll find all the information you need to integrate with Ladder. The Ladder API provides access to a seamless integration for your users to acquire a term life insurance policy with Ladder and manage it over time.

The Ladder API integration allows your users to:

Get and update a ballpark quote
Connect to the full application process
Calculate their life insurance needs
View and manage their policy over time

You can choose which parts of the integration to utilize, depending on the context for your users’ experience.

Ladder also offers the Ladder Quote Widget, a drop-in module that provides your users with the ability to get a ballpark quote within a pre-designed UI. The Widget handles input validation and error handling within the UI, as well.

Authentication

Ladder uses API keys for authentication. You can apply for a Ladder access key at api@ladderlife.com.

To authorize your requests, use this code:

# In the command line, you can just pass the correct header with each request
curl "https://www.ladderlife.com/api/v1/..." \
  -H "Authorization: Bearer your-api-key" \
  -H "Content-Type: application/json"

Make sure to replace your-api-key with your API key.

All requests to the server must include the API key as a Bearer Token in the headers of the request.

Authorization: Bearer your-api-key

You must replace your-api-key with your registered API key.

Quoters

Many users overestimate the cost of life insurance. It can be helpful to provide them with a ballpark quote at the outset, before they complete a full application, to help estimate the cost of life insurance, given a few basic parameters. While the final price will depend on many specific health questions, the Quote can give users a directional sense for the cost. In most cases, the user’s final price is equal to their ballpark quote.

The image below is a mock-up of what a quoter could look like when integrated with the Ladder API:

Create a Quoter

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "mortgage" : 500000,
  "coverage" : 500000,
  "tobacco_use" : "never",
  "household_income" : 120000,
  "term" : 15,
  "external_id" : "12345678",
  "family_history" : false,
  "child_count" : 2,
  "weight_pounds" : 200,
  "date_of_birth" : "1980-11-24",
  "height_inches" : 69,
  "sex" : "male",
  "zipcode" : "94303"
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "quote_status" : {
    "complete" : true,
    "eligible" : true,
    "valid" : true
  },
  "quotes" : [ {
    "coverage" : 500000.0,
    "monthly_premium" : 29.27,
    "term" : 10.0,
    "daily_price" : 0.96
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 37.13,
    "term" : 15.0,
    "daily_price" : 1.22
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 47.2,
    "term" : 20.0,
    "daily_price" : 1.55
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 59.26,
    "term" : 25.0,
    "daily_price" : 1.94
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 76.13,
    "term" : 30.0,
    "daily_price" : 2.5
  } ]
}

This endpoint creates a quoter. The quoter's id is returned in the response, along with the validity of the input, and the quote results if the inputs are valid. If no quotes are returned, Ladder does not offer any coverage for the inputs.

HTTP Request

POST https://www.ladderlife.com/api/v1/quoter

Parameters

Field	Type	Required	Description
`height_inches`	`number`	req	User's height, in inches.
`household_income`	`number`	req	The user's annual household income in dollars represented by an integer ex: 90000.
`date_of_birth`	`string`	req	User's date of birth. Must be in the format `yyyy-mm-dd`.
`external_id`	`string`	req	The partner's unique identifier (external to Ladder) for a user.
`tobacco_use`	`string`	req	When the user has last used tobacco or a nicotine product. Possible values are never, within_last_12_months, 12_to_23_months, 24_to_35_months, and 36_months_or_greater.
`zipcode`	`string`	req	The zipcode of the user's residence, in a 5 number format.
`sex`	`string`	req	`male`, `female` or `other` (will need to specify later in the application process).
`weight_pounds`	`number`	req	User's weight, in pounds.
`family_history`	`boolean`	req	Biological parent or sibling diagnosed with cancer, diabetes, or heart disease before the age of 60.
`coverage`	`number`	opt	Amount of coverage in dollars a person wants to apply for. Defaults to 1M if not supplied. If supplied, it must be one of [100000, 150000, 200000, 250000, 300000, 350000, 400000, 450000, 500000, 550000, 600000, 650000, 700000, 750000, 800000, 850000, 900000, 950000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2250000, 2500000, 2750000, 3000000, 3250000, 3500000, 3750000, 4000000, 4250000, 4500000, 4750000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000, 8000000]
`dl_number`	`string`	opt	The user's driver's license number.
`dl_state`	`string`	opt	The abbreviation of the user's driver's license state as defined by USPS, ex: California => CA, Texas => TX, Hawaii => HI. (https://about.usps.com/who/profile/history/pdf/state-abbreviations.pdf)
`income`	`number`	opt	The user's annual income in dollars represented by an integer ex: 90000.
`email`	`string`	opt	The user's email.
`first_name`	`string`	opt	The user's first name.
`last_name`	`string`	opt	The user's last name.
`user_age`	`number`	opt	The user's age.
`phone`	`string`	opt	The user's phone number. Must be in the format `XXX-XXX-XXXX`
`street_address`	`string`	opt	The street address of the user's residence.
`city`	`string`	opt	The city in which the user resides.
`state`	`string`	opt	The state in which the user resides.
`term`	`number`	opt	Term lengths must be one of 10, 15, 20, 25, 30.
`lddr_creative`	`string`	opt	Name of advertising campaign, if any. Used only for reporting.
`referrer_email`	`string`	opt	Email address of a referring agent or advisor that is already registered with our Ladder for Advisors or Ladder for Agents program.
`family_history_members`	`array`	opt	Array of objects of type `Family_member`. See below for details.
`mortgage`	`integer`	opt	The amount remaining on the user's mortgage. If supplied, it must be one of [0, 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000]
`child_count`	`integer`	opt	The number of children the user has. If supplied, it must be one of [0, 1, 2, 3, 4, 5, 6]
`citizenship`	`string`	opt	Describes user's citizenship status. Possible values are us_citizen, us_permanent_resident, non_us_citizen.
`employment`	`string`	opt	Describes user's employment status. Possible values are employed, unemployed.

Family_member

Field	Type	Required	Description
`relation`	`string`	req	Nested field for family_history_member; describes relationship of person to user applying for life insurance. Possible values are mother, father, sibling.
`condition`	`string`	opt	Nested field for family_history_member; describes medical condition of family member. Possible values are diabetes, cancer, heart_disease, huntingtons, and lynch_syndrome.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.
`quote_status`	`object`	req	Object of type `Quote_status`. See below for details.
`quotes`	`array`	req	Array of objects of type `Quote`. See below for details.

Quote_status

Field	Type	Required	Description
`valid`	`boolean`	req	Indicates whether the minimum required fields are present.
`complete`	`boolean`	req	Indicates whether the quote is both `valid` and the user has selected a specific coverage amount and term length.
`eligible`	`boolean`	req	Whether the quoter is eligible for ladder coverage. If a quoter is ineligible, quotes he is eligible to, if any, are returned.

Quote

Field	Type	Required	Description
`coverage`	`number`	req	The amount of coverage for this quote.
`monthly_premium`	`number`	req	The estimated monthly premium.
`daily_price`	`number`	req	The estimated daily price, based on monthly premium. When showing daily price, monthly premium must also be displayed. Please contact your Ladder representative before exposing any daily price to customers, so we can coordinate the display of the monthly premium. Doing this will ensure transparency and compliance with all requirements.
`term`	`number`	req	The term length in years.

Retrieve a Quoter

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12" \
   -H "Authorization: Bearer your-api-key" \

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "quote_status" : {
    "complete" : true,
    "eligible" : true,
    "valid" : true
  },
  "quotes" : [ {
    "coverage" : 500000.0,
    "monthly_premium" : 29.27,
    "term" : 10.0,
    "daily_price" : 0.96
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 37.13,
    "term" : 15.0,
    "daily_price" : 1.22
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 47.2,
    "term" : 20.0,
    "daily_price" : 1.55
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 59.26,
    "term" : 25.0,
    "daily_price" : 1.94
  }, {
    "coverage" : 500000.0,
    "monthly_premium" : 76.13,
    "term" : 30.0,
    "daily_price" : 2.5
  } ]
}

Once you have created a quoter, you can use this endpoint to retrieve the current quotes for the quoter.

HTTP Request

GET https://www.ladderlife.com/api/v1/quoter/:id

This endpoint has no inputs.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.
`quote_status`	`object`	req	Object of type `Quote_status`. See below for details.
`quotes`	`array`	req	Array of objects of type `Quote`. See below for details.

Quote_status

Field	Type	Required	Description
`valid`	`boolean`	req	Indicates whether the minimum required fields are present.
`complete`	`boolean`	req	Indicates whether the quote is both `valid` and the user has selected a specific coverage amount and term length.
`eligible`	`boolean`	req	Whether the quoter is eligible for ladder coverage. If a quoter is ineligible, quotes he is eligible to, if any, are returned.

Quote

Field	Type	Required	Description
`coverage`	`number`	req	The amount of coverage for this quote.
`monthly_premium`	`number`	req	The estimated monthly premium.
`daily_price`	`number`	req	The estimated daily price, based on monthly premium. When showing daily price, monthly premium must also be displayed. Please contact your Ladder representative before exposing any daily price to customers, so we can coordinate the display of the monthly premium. Doing this will ensure transparency and compliance with all requirements.
`term`	`number`	req	The term length in years.

Update a Quoter

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X PUT \
   -d \
'{
  "coverage" : 1000000,
  "term" : 25
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "quote_status" : {
    "complete" : true,
    "eligible" : true,
    "valid" : true
  },
  "quotes" : [ {
    "coverage" : 1000000.0,
    "monthly_premium" : 52.03,
    "term" : 10.0,
    "daily_price" : 1.71
  }, {
    "coverage" : 1000000.0,
    "monthly_premium" : 67.13,
    "term" : 15.0,
    "daily_price" : 2.2
  }, {
    "coverage" : 1000000.0,
    "monthly_premium" : 86.64,
    "term" : 20.0,
    "daily_price" : 2.84
  }, {
    "coverage" : 1000000.0,
    "monthly_premium" : 109.07,
    "term" : 25.0,
    "daily_price" : 3.58
  }, {
    "coverage" : 1000000.0,
    "monthly_premium" : 141.14,
    "term" : 30.0,
    "daily_price" : 4.64
  } ]
}

Once you have created a quoter, you can use this endpoint to update the inputs for the quoter.

The response produced by this endpoint includes the updated quote values for the quoter.

HTTP Request

PUT https://www.ladderlife.com/api/v1/quoter/:id

Parameters

Field	Type	Required	Description
`zipcode`	`string`	opt	The zipcode of the user's residence, in a 5 number format.
`date_of_birth`	`string`	opt	User's date of birth. Must be in the format `yyyy-mm-dd`.
`coverage`	`number`	opt	Amount of coverage in dollars a person wants to apply for. Defaults to 1M if not supplied. If supplied, it must be one of [100000, 150000, 200000, 250000, 300000, 350000, 400000, 450000, 500000, 550000, 600000, 650000, 700000, 750000, 800000, 850000, 900000, 950000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2250000, 2500000, 2750000, 3000000, 3250000, 3500000, 3750000, 4000000, 4250000, 4500000, 4750000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000, 8000000]
`height_inches`	`number`	opt	User's height, in inches.
`weight_pounds`	`number`	opt	User's weight, in pounds.
`sex`	`string`	opt	`male`, `female` or `other` (will need to specify later in the application process).
`dl_number`	`string`	opt	The user's driver's license number.
`dl_state`	`string`	opt	The abbreviation of the user's driver's license state as defined by USPS, ex: California => CA, Texas => TX, Hawaii => HI. (https://about.usps.com/who/profile/history/pdf/state-abbreviations.pdf)
`income`	`number`	opt	The user's annual income in dollars represented by an integer ex: 90000.
`household_income`	`number`	opt	The user's annual household income in dollars represented by an integer ex: 90000.
`email`	`string`	opt	The user's email.
`family_history`	`boolean`	opt	Biological parent or sibling diagnosed with cancer, diabetes, or heart disease before the age of 60.
`first_name`	`string`	opt	The user's first name.
`last_name`	`string`	opt	The user's last name.
`user_age`	`number`	opt	The user's age.
`phone`	`string`	opt	The user's phone number. Must be in the format `XXX-XXX-XXXX`
`street_address`	`string`	opt	The street address of the user's residence.
`city`	`string`	opt	The city in which the user resides.
`state`	`string`	opt	The state in which the user resides.
`term`	`number`	opt	Term lengths must be one of 10, 15, 20, 25, 30.
`lddr_creative`	`string`	opt	Name of advertising campaign, if any. Used only for reporting.
`external_id`	`string`	opt	The partner's unique identifier (external to Ladder) for a user.
`referrer_email`	`string`	opt	Email address of a referring agent or advisor that is already registered with our Ladder for Advisors or Ladder for Agents program.
`family_history_members`	`array`	opt	Array of objects of type `Family_member`. See below for details.
`tobacco_use`	`string`	opt	When the user has last used tobacco or a nicotine product. Possible values are never, within_last_12_months, 12_to_23_months, 24_to_35_months, and 36_months_or_greater.
`mortgage`	`integer`	opt	The amount remaining on the user's mortgage. If supplied, it must be one of [0, 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000]
`child_count`	`integer`	opt	The number of children the user has. If supplied, it must be one of [0, 1, 2, 3, 4, 5, 6]
`citizenship`	`string`	opt	Describes user's citizenship status. Possible values are us_citizen, us_permanent_resident, non_us_citizen.
`employment`	`string`	opt	Describes user's employment status. Possible values are employed, unemployed.

Family_member

Field	Type	Required	Description
`relation`	`string`	req	Nested field for family_history_member; describes relationship of person to user applying for life insurance. Possible values are mother, father, sibling.
`condition`	`string`	opt	Nested field for family_history_member; describes medical condition of family member. Possible values are diabetes, cancer, heart_disease, huntingtons, and lynch_syndrome.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.
`quote_status`	`object`	req	Object of type `Quote_status`. See below for details.
`quotes`	`array`	req	Array of objects of type `Quote`. See below for details.

Quote_status

Field	Type	Required	Description
`valid`	`boolean`	req	Indicates whether the minimum required fields are present.
`complete`	`boolean`	req	Indicates whether the quote is both `valid` and the user has selected a specific coverage amount and term length.
`eligible`	`boolean`	req	Whether the quoter is eligible for ladder coverage. If a quoter is ineligible, quotes he is eligible to, if any, are returned.

Quote

Field	Type	Required	Description
`coverage`	`number`	req	The amount of coverage for this quote.
`monthly_premium`	`number`	req	The estimated monthly premium.
`daily_price`	`number`	req	The estimated daily price, based on monthly premium. When showing daily price, monthly premium must also be displayed. Please contact your Ladder representative before exposing any daily price to customers, so we can coordinate the display of the monthly premium. Doing this will ensure transparency and compliance with all requirements.
`term`	`number`	req	The term length in years.

Create interpolation

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12/interpolate" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "events" : [ {
    "year" : 2020,
    "coverage" : 1500000
  }, {
    "year" : 2025,
    "coverage" : 1000000
  }, {
    "year" : 2030,
    "coverage" : 500000
  }, {
    "year" : 2035,
    "coverage" : 250000
  } ]
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "interpolation_status" : {
    "events_dropped" : false,
    "term_changed" : false
  },
  "suggested_messaging" : "Calculated based on an initial term length of 15 years and a coverage amount of $500,000.",
  "term" : 15,
  "coverage" : 500000,
  "yearly_quotes" : [ {
    "coverage" : 1500000,
    "monthly_premium" : 89.16,
    "year" : 2020,
    "daily_price" : 2.93
  }, {
    "coverage" : 1000000,
    "monthly_premium" : 63.15,
    "year" : 2025,
    "daily_price" : 2.07
  }, {
    "coverage" : 500000,
    "monthly_premium" : 37.13,
    "year" : 2030,
    "daily_price" : 1.22
  }, {
    "coverage" : 250000,
    "monthly_premium" : 18.57,
    "year" : 2035,
    "daily_price" : 0.61
  } ]
}

Use the data in a quoter and a list of laddering events to compute monthly premiums over time.

HTTP Request

POST https://www.ladderlife.com/api/v1/quoter/:id/interpolate

Parameters

Field	Type	Required	Description
`events`	`array`	req	Array of objects of type `Yearly-coverage`. See below for details.

Yearly-coverage

Field	Type	Required	Description
`year`	`number`	req	The year for this ladder up/down.
`coverage`	`number`	req	Amount of coverage in dollars a person wants to apply for. Defaults to 1M if not supplied. If supplied, it must be one of [100000, 150000, 200000, 250000, 300000, 350000, 400000, 450000, 500000, 550000, 600000, 650000, 700000, 750000, 800000, 850000, 900000, 950000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2250000, 2500000, 2750000, 3000000, 3250000, 3500000, 3750000, 4000000, 4250000, 4500000, 4750000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000, 8000000]

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.
`term`	`number`	req	The term length in years.
`coverage`	`number`	req	The amount of coverage for this quote.
`suggested_messaging`	`string`	req	The suggested text to display to a user to explain the interpolation.
`interpolation_status`	`object`	req	Object of type `Interpolation_status`. See below for details.
`yearly_quotes`	`array`	req	Array of objects of type `Yearly-quote`. See below for details.

Interpolation_status

Field	Type	Required	Description
`term_changed`	`boolean`	req	Whether or not the quote term is different than the interpolated term.
`events_dropped`	`boolean`	req	Whether or not any of the input events were dropped/truncated from result. They will be set to 0 if so.

Yearly-quote

Field	Type	Required	Description
`year`	`number`	req	The year for this quote.
`coverage`	`number`	req	The amount of coverage for this quote.
`daily_price`	`number`	req	The estimated daily price, based on monthly premium. When showing daily price, monthly premium must also be displayed. Please contact your Ladder representative before exposing any daily price to customers, so we can coordinate the display of the monthly premium. Doing this will ensure transparency and compliance with all requirements.
`monthly_premium`	`number`	req	The estimated monthly premium.

Get Bundles

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12/bundles" \
   -H "Authorization: Bearer your-api-key" \

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "bundles" : {
    "recommended_for_you" : {
      "coverage" : 1000000.0,
      "term" : 20.0,
      "label" : "Recommended for you",
      "bundle_name" : "recommended_for_you"
    }
  }
}

Retrieve the most popular coverage amount and term length for a given quoter object.

There are 4 fields that should be filled out on the quoter object for this endpoint to be called. They are household_income, date_of_birth, child_count, and mortgage.

HTTP Request

GET https://www.ladderlife.com/api/v1/quoter/:id/bundles

This endpoint has no inputs.

HTTP Response

Field	Type	Required	Description
`bundles`	`object`	req	Object of type `Bundles`. See below for details.

Bundles

Field	Type	Required	Description
`most_popular`	`object`	opt	Object of type `Most_popular`. See below for details.

Most_popular

Field	Type	Required	Description
`coverage`	`number`	req	The amount of coverage for this quote.
`term`	`number`	req	The term length in years.
`label`	`string`	req	Human friendly string to explain the bundle.
`bundle_name`	`string`	req	Bundle name

Start an application

Use these endpoints to start an application for a user, or invite them to start one themselves.

Redirect user to Ladder

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12/apply" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "email" : "email@example.com",
  "first_name" : "Edmond",
  "last_name" : "Halley"
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12",
  "url" : "https://www.ladderlife.com/api/v1/redirect/...",
  "url_expires" : 1577840417
}

Once your user has a quote through the Ladder API and/or the Ladder Quote Widget (documentation below), they are able to apply for instant coverage through Ladder's application.

This endpoint should be used to set up a HTTP status 302 redirect to the url returned by the API.

The Ladder Connector creates a smooth quote‑to‑application flow by redirecting the user from your site to the Ladder application. Ladder will land the user on the appropriate page, given their quote status (and the quote status does not need to be valid or complete to use the Ladder Connector).

For the best user experience, include more quote fields so that Ladder may land the user further along in the process. The Connector is designed to increase your conversions.

If you haven't received a quoter from the quoter endpoints, you may pass new as the :id url parameter. Please note that in this case, the inputs that are req will be the same as those for the "Create a Quoter" endpoint.

The url returned will only be valid for an hour. The recommended integration is to re-fetch a new url on each user request.

HTTP Request

POST https://www.ladderlife.com/api/v1/quoter/:id/apply

Parameters

Field	Type	Required	Description
`zipcode`	`string`	opt	The zipcode of the user's residence, in a 5 number format.
`date_of_birth`	`string`	opt	User's date of birth. Must be in the format `yyyy-mm-dd`.
`coverage`	`number`	opt	Amount of coverage in dollars a person wants to apply for. Defaults to 1M if not supplied. If supplied, it must be one of [100000, 150000, 200000, 250000, 300000, 350000, 400000, 450000, 500000, 550000, 600000, 650000, 700000, 750000, 800000, 850000, 900000, 950000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2250000, 2500000, 2750000, 3000000, 3250000, 3500000, 3750000, 4000000, 4250000, 4500000, 4750000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000, 8000000]
`height_inches`	`number`	opt	User's height, in inches.
`weight_pounds`	`number`	opt	User's weight, in pounds.
`sex`	`string`	opt	`male`, `female` or `other` (will need to specify later in the application process).
`dl_number`	`string`	opt	The user's driver's license number.
`dl_state`	`string`	opt	The abbreviation of the user's driver's license state as defined by USPS, ex: California => CA, Texas => TX, Hawaii => HI. (https://about.usps.com/who/profile/history/pdf/state-abbreviations.pdf)
`income`	`number`	opt	The user's annual income in dollars represented by an integer ex: 90000.
`household_income`	`number`	opt	The user's annual household income in dollars represented by an integer ex: 90000.
`email`	`string`	opt	The user's email.
`family_history`	`boolean`	opt	Biological parent or sibling diagnosed with cancer, diabetes, or heart disease before the age of 60.
`first_name`	`string`	opt	The user's first name.
`last_name`	`string`	opt	The user's last name.
`user_age`	`number`	opt	The user's age.
`phone`	`string`	opt	The user's phone number. Must be in the format `XXX-XXX-XXXX`
`street_address`	`string`	opt	The street address of the user's residence.
`city`	`string`	opt	The city in which the user resides.
`state`	`string`	opt	The state in which the user resides.
`term`	`number`	opt	Term lengths must be one of 10, 15, 20, 25, 30.
`lddr_creative`	`string`	opt	Name of advertising campaign, if any. Used only for reporting.
`external_id`	`string`	opt	The partner's unique identifier (external to Ladder) for a user.
`referrer_email`	`string`	opt	Email address of a referring agent or advisor that is already registered with our Ladder for Advisors or Ladder for Agents program.
`family_history_members`	`array`	opt	Array of objects of type `Family_member`. See below for details.
`tobacco_use`	`string`	opt	When the user has last used tobacco or a nicotine product. Possible values are never, within_last_12_months, 12_to_23_months, 24_to_35_months, and 36_months_or_greater.
`mortgage`	`integer`	opt	The amount remaining on the user's mortgage. If supplied, it must be one of [0, 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000]
`child_count`	`integer`	opt	The number of children the user has. If supplied, it must be one of [0, 1, 2, 3, 4, 5, 6]
`citizenship`	`string`	opt	Describes user's citizenship status. Possible values are us_citizen, us_permanent_resident, non_us_citizen.
`employment`	`string`	opt	Describes user's employment status. Possible values are employed, unemployed.

Family_member

Field	Type	Required	Description
`relation`	`string`	req	Nested field for family_history_member; describes relationship of person to user applying for life insurance. Possible values are mother, father, sibling.
`condition`	`string`	opt	Nested field for family_history_member; describes medical condition of family member. Possible values are diabetes, cancer, heart_disease, huntingtons, and lynch_syndrome.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.
`url`	`string`	req	The url to load to show the user their application process.
`url_expires`	`number`	req	Time at which the url expires. Measured in seconds since the Unix epoch.

Invite user via email

Example Request:

$ curl "https://www.ladderlife.com/api/v1/quoter/6099ae39-23f9-4b99-9223-f6e28d0aba12/invite" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "email" : "email@example.com",
  "first_name" : "Edmond",
  "last_name" : "Halley",
  "advisor_id" : "c9bdda65-ce6e-486e-b914-7cb491936a21"
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12"
}

Similar to the /apply endpoint above, but specifically for Ladder for Advisors use cases.

Requires an advisor_id param, and sends the client an email inviting them to start an application. No redirect URL is provided in the response, unlike the apply endpoint.

If no user email was ever provided, or if the advisor_id was invalid, returns a 400.

HTTP Request

POST https://www.ladderlife.com/api/v1/quoter/:id/invite

Parameters

Field	Type	Required	Description
`advisor_id`	`string`	req	Advisor that referred this user, for attribution.
`zipcode`	`string`	opt	The zipcode of the user's residence, in a 5 number format.
`date_of_birth`	`string`	opt	User's date of birth. Must be in the format `yyyy-mm-dd`.
`coverage`	`number`	opt	Amount of coverage in dollars a person wants to apply for. Defaults to 1M if not supplied. If supplied, it must be one of [100000, 150000, 200000, 250000, 300000, 350000, 400000, 450000, 500000, 550000, 600000, 650000, 700000, 750000, 800000, 850000, 900000, 950000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000, 2250000, 2500000, 2750000, 3000000, 3250000, 3500000, 3750000, 4000000, 4250000, 4500000, 4750000, 5000000, 5500000, 6000000, 6500000, 7000000, 7500000, 8000000]
`height_inches`	`number`	opt	User's height, in inches.
`weight_pounds`	`number`	opt	User's weight, in pounds.
`sex`	`string`	opt	`male`, `female` or `other` (will need to specify later in the application process).
`dl_number`	`string`	opt	The user's driver's license number.
`dl_state`	`string`	opt	The abbreviation of the user's driver's license state as defined by USPS, ex: California => CA, Texas => TX, Hawaii => HI. (https://about.usps.com/who/profile/history/pdf/state-abbreviations.pdf)
`income`	`number`	opt	The user's annual income in dollars represented by an integer ex: 90000.
`household_income`	`number`	opt	The user's annual household income in dollars represented by an integer ex: 90000.
`email`	`string`	opt	The user's email.
`family_history`	`boolean`	opt	Biological parent or sibling diagnosed with cancer, diabetes, or heart disease before the age of 60.
`first_name`	`string`	opt	The user's first name.
`last_name`	`string`	opt	The user's last name.
`user_age`	`number`	opt	The user's age.
`phone`	`string`	opt	The user's phone number. Must be in the format `XXX-XXX-XXXX`
`street_address`	`string`	opt	The street address of the user's residence.
`city`	`string`	opt	The city in which the user resides.
`state`	`string`	opt	The state in which the user resides.
`term`	`number`	opt	Term lengths must be one of 10, 15, 20, 25, 30.
`lddr_creative`	`string`	opt	Name of advertising campaign, if any. Used only for reporting.
`external_id`	`string`	opt	The partner's unique identifier (external to Ladder) for a user.
`referrer_email`	`string`	opt	Email address of a referring agent or advisor that is already registered with our Ladder for Advisors or Ladder for Agents program.
`family_history_members`	`array`	opt	Array of objects of type `Family_member`. See below for details.
`tobacco_use`	`string`	opt	When the user has last used tobacco or a nicotine product. Possible values are never, within_last_12_months, 12_to_23_months, 24_to_35_months, and 36_months_or_greater.
`mortgage`	`integer`	opt	The amount remaining on the user's mortgage. If supplied, it must be one of [0, 100000, 200000, 300000, 400000, 500000, 600000, 700000, 800000, 900000, 1000000, 1100000, 1200000, 1300000, 1400000, 1500000, 1600000, 1700000, 1800000, 1900000, 2000000]
`child_count`	`integer`	opt	The number of children the user has. If supplied, it must be one of [0, 1, 2, 3, 4, 5, 6]
`citizenship`	`string`	opt	Describes user's citizenship status. Possible values are us_citizen, us_permanent_resident, non_us_citizen.
`employment`	`string`	opt	Describes user's employment status. Possible values are employed, unemployed.

Family_member

Field	Type	Required	Description
`relation`	`string`	req	Nested field for family_history_member; describes relationship of person to user applying for life insurance. Possible values are mother, father, sibling.
`condition`	`string`	opt	Nested field for family_history_member; describes medical condition of family member. Possible values are diabetes, cancer, heart_disease, huntingtons, and lynch_syndrome.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.

Ladder for Advisors

Use these endpoints to integrate your application with the Ladder for Advisors program.

Register an advisor

Example Request:

$ curl "https://www.ladderlife.com/api/v1/lfa/register" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "email" : "financial_advisor@ladderlife.com",
  "first_name" : "Edmond",
  "last_name" : "Halley"
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12"
}

Create a Ladder for Advisors account for a financial advisor.

HTTP Request

POST https://www.ladderlife.com/api/v1/lfa/register

Parameters

Field	Type	Required	Description
`email`	`string`	req	The user's email.
`first_name`	`string`	req	The user's first name.
`last_name`	`string`	req	The user's last name.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.

Find an advisor

Example Request:

$ curl "https://www.ladderlife.com/api/v1/lfa/find" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -d \
'{
  "email" : "financial_advisor@ladderlife.com"
}'

Example Responses:

{
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12"
}

Get the user ID of a Ladder for Advisors account given its associated email address

HTTP Request

GET https://www.ladderlife.com/api/v1/lfa/find

Parameters

Field	Type	Required	Description
`email`	`string`	req	The user's email.

HTTP Response

Field	Type	Required	Description
`id`	`string`	req	The generated identifier for the returned quoter. It is valid indefinitely.

Example Request:

$ curl "https://www.ladderlife.com/api/v1/lfa/login" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "email" : "financial_advisor@ladderlife.com",
  "id" : "6099ae39-23f9-4b99-9223-f6e28d0aba12"
}'

Example Responses:

{
  "ok" : true
}

Sends an email with a login link to a Ladder for Advisors account holder given an associated user-id or email address. A successful request will simply return {"ok" : true}, and a login email will be sent to the associated account. Note that this endpoint can only be used to generate login emails for users enrolled as financial advisors in the Ladder for Advisors program, and will not work for other Ladder users or policyholders.

HTTP Request

POST https://www.ladderlife.com/api/v1/lfa/login

Parameters

Field	Type	Required	Description
`id`	`string`	opt	The generated identifier for the returned quoter returned from creating a quoter.
`email`	`string`	opt	The user's email.

HTTP Response

Field	Type	Required	Description

Calculator

Example Request:

$ curl "https://www.ladderlife.com/api/v1/calculator" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "children_education_tuition" : 20000,
  "additional_coverage" : 0,
  "children" : [ {
    "age" : 0
  }, {
    "age" : 5
  }, {
    "age" : 9
  } ],
  "desired_payout_years" : 15,
  "existing_coverage" : 0,
  "other_debts" : 50000,
  "desired_yearly_cash" : 80000,
  "current_savings" : 100000,
  "mortgage_balance" : 200000
}'

Example Responses:

{
  "additional_coverage" : 0,
  "current_resources" : -100000,
  "debt" : 250000,
  "living_expenses" : 955034,
  "nearest_policy" : 1600000,
  "nearest_term_length" : 25,
  "total_insurance_needs" : 1531943,
  "tuition_costs" : 426908
}

The needs calculator helps a user figure out how much coverage they need. It is not a required part of the process, but it can be helpful to them, depending on your context.

The following image is a mock-up of what a calculator might look like when integrated with the Ladder API:

HTTP Request

POST https://www.ladderlife.com/api/v1/calculator

Parameters

Field	Type	Required	Description
`mortgage_balance`	`integer`	opt	The user's estimated mortgage balance.
`other_debts`	`integer`	opt	The user's estimated other debts.
`children`	`array`	opt	Array of objects of type `Child`. See below for details.
`children_education_tuition`	`integer`	opt	Average yearly college cost for a child.
`desired_yearly_cash`	`integer`	opt	The user's desired cash payout to their beneficiaries.
`desired_payout_years`	`integer`	opt	The user's desired number of cash payout years to their beneficiaries.
`additional_coverage`	`integer`	opt	Additionnal needs. The user's additional coverage desired.
`existing_coverage`	`integer`	opt	The user's existing life insurance coverage.
`current_savings`	`integer`	opt	The user's estimated current total savings.

Child

Field	Type	Required	Description
`age`	`integer`	req	The child's age in years.

HTTP Response

Field	Type	Required	Description
`debt`	`integer`	req	Debt.
`current_resources`	`integer`	req	Current resources. Includes savings and current life insurance.
`living_expenses`	`integer`	req	Living expenses. Lump sum to provide the annual amounts chosen for beneficiaries.
`tuition_costs`	`integer`	req	Children’s education. Estimate of what college will cost for the children.
`additional_coverage`	`integer`	req	Additionnal needs. The user's additional coverage desired.
`total_insurance_needs`	`integer`	req	Total life insurance needs.
`nearest_policy`	`integer`	req	Nearest available coverage offered by Ladder (amount can be reused to create a quoter)

Account Manager

The Account Manager allows you to retrieve policy information for users who applied through your platform. You can also give them the ability to reduce their coverage over time.

Policy Information

Example Request:

$ curl "https://www.ladderlife.com/api/v1/management/6099ae39-23f9-4b99-9223-f6e28d0aba12" \
   -H "Authorization: Bearer your-api-key" \

Example Responses:

{
  "active_policies" : [ {
    "policy_id" : "TN-784",
    "active_coverage" : 350000,
    "active_term" : 20,
    "active_monthly_premium" : 34.12,
    "ladder_down_prices" : [ {
      "new_coverage" : 100000,
      "new_monthly_premium" : 8.69
    }, {
      "new_coverage" : 150000,
      "new_monthly_premium" : 9.88
    }, {
      "new_coverage" : 200000,
      "new_monthly_premium" : 11.24
    }, {
      "new_coverage" : 250000,
      "new_monthly_premium" : 12.79
    }, {
      "new_coverage" : 300000,
      "new_monthly_premium" : 13.99
    }, {
      "new_coverage" : 350000,
      "new_monthly_premium" : 15.3
    } ]
  } ]
}

The management API allows you to retrieve coverage information for users that applied through your platform.

HTTP Request

GET https://www.ladderlife.com/api/v1/management/:id

This endpoint has no inputs.

HTTP Response

Field	Type	Required	Description
`active_policies`	`array`	req	Array of objects of type `Policy`. See below for details.

Policy

Field	Type	Required	Description
`policy_id`	`string`	req	The ID of the policy issued.
`active_coverage`	`number`	req	The policy's coverage amount.
`active_term`	`number`	req	The policy's term length in years.
`active_monthly_premium`	`number`	req	The policy's monthly premium.
`ladder_down_prices`	`array`	req	Array of objects of type `Ladder_down_price`. See below for details.

Ladder_down_price

Field	Type	Required	Description
`new_monthly_premium`	`number`	req	New monthly premium to be paid.
`new_coverage`	`number`	req	New coverage amount for the policy.

Laddering Down

Example Request:

$ curl "https://www.ladderlife.com/api/v1/management/6099ae39-23f9-4b99-9223-f6e28d0aba12/ladder-down/TN-784" \
   -H "Authorization: Bearer your-api-key" \
   -H "Content-Type: application/json" \
   -X POST \
   -d \
'{
  "new_coverage" : 300000,
  "new_monthly_premium" : 13.99
}'

Example Responses:

{
  "active_policies" : [ {
    "policy_id" : "TN-784",
    "active_coverage" : 300000,
    "active_term" : 20,
    "active_monthly_premium" : 13.99,
    "ladder_down_prices" : [ {
      "new_coverage" : 100000,
      "new_monthly_premium" : 8.69
    }, {
      "new_coverage" : 150000,
      "new_monthly_premium" : 9.88
    }, {
      "new_coverage" : 200000,
      "new_monthly_premium" : 11.24
    }, {
      "new_coverage" : 250000,
      "new_monthly_premium" : 12.79
    }, {
      "new_coverage" : 300000,
      "new_monthly_premium" : 13.99
    } ]
  } ]
}

This endpoint allows the user to ladder down a policy (decrease coverage). The input parameters must be a ladder_down_price that was returned from the Account Manager GET call.

HTTP Request

POST https://www.ladderlife.com/api/v1/management/:id/ladder-down/:policy-id

Parameters

Field	Type	Required	Description
`new_monthly_premium`	`number`	req	New monthly premium to be paid.
`new_coverage`	`number`	req	New coverage amount for the policy.

HTTP Response

Field	Type	Required	Description
`active_policies`	`array`	req	Array of objects of type `Policy`. See below for details.

Policy

Field	Type	Required	Description
`policy_id`	`string`	req	The ID of the policy issued.
`active_coverage`	`number`	req	The policy's coverage amount.
`active_term`	`number`	req	The policy's term length in years.
`active_monthly_premium`	`number`	req	The policy's monthly premium.
`ladder_down_prices`	`array`	req	Array of objects of type `Ladder_down_price`. See below for details.

Ladder_down_price

Field	Type	Required	Description
`new_monthly_premium`	`number`	req	New monthly premium to be paid.
`new_coverage`	`number`	req	New coverage amount for the policy.

Application Status

Example Request:

$ curl "https://www.ladderlife.com/api/v1/management/6099ae39-23f9-4b99-9223-f6e28d0aba12/status" \
   -H "Authorization: Bearer your-api-key" \

Example Responses:

{
  "status" : "application_not_started",
  "suggested_messaging" : {
    "title" : "Now's the time for life insurance",
    "subtitle" : "Find out if you're instantly approved for coverage.",
    "call_to_action" : "Get started with Ladder",
    "alternative_call_to_action" : "Get started"
  }
}

{
  "status" : "application_incomplete",
  "suggested_messaging" : {
    "title" : "Finish your life insurance application?",
    "subtitle" : "It takes 5 minutes, and you'll find out if you're instantly improved."
  },
  "ineligibility" : {
    "is_eligible" : true
  },
  "quote_questions_answered" : [ "email", "residence_state", "gender", "height_inches", "weight_pounds", "smoker", "date_of_birth", "household_income", "number_of_children", "mortgage_balance" ]
}

{
  "status" : "application_incomplete_fallback_shown",
  "suggested_messaging" : {
    "title" : "We found you a better fit",
    "subtitle" : "We may not have the right life insurance for you. We found popular options that are likely to be a better match."
  },
  "ineligibility" : {
    "is_eligible" : true
  },
  "quote_questions_answered" : [ "gender", "height_inches", "weight_pounds", "date_of_birth", "term", "coverage", "residence_state", "zipcode", "name", "email", "smoker", "family_history", "household_income", "number_of_children", "mortgage_balance" ]
}

{
  "status" : "application_complete_action_needed",
  "uw_status" : "sign_special_authorization",
  "suggested_messaging" : {
    "title" : "There's a bit more to do. Take care of it now?",
    "subtitle" : "Finishing up now will allow Ladder, our trusted life insurance partner, to continue reviewing your application."
  }
}

{
  "status" : "application_complete_pending_underwriting",
  "uw_status" : "waiting_for_uw",
  "suggested_messaging" : {
    "title" : "Check out your Ladder account page?",
    "subtitle" : "There’s no action you need to take, but feel free to explore."
  }
}

{
  "status" : "offer_pending",
  "suggested_messaging" : {
    "title" : "You’ve been approved! Accept your life insurance policy now?",
    "subtitle" : "Congrats! Your coverage will begin when you accept your policy and authorize payment."
  },
  "offer_details" : {
    "face_amount" : 500000.0,
    "monthly_premium" : 14.07,
    "term" : 10,
    "expires_unix" : 1687455140
  }
}

{
  "status" : "covered",
  "suggested_messaging" : {
    "title" : "You have a policy! Ready to get your account up to date?",
    "subtitle" : "Add a beneficiary, for example. It’ll only take a moment."
  },
  "policy_details" : {
    "id" : "TL-146-2433-1B43F500T10X1",
    "face_amount" : 50000.0,
    "monthly_premium" : 34.12,
    "term" : 10,
    "issue_timestamp" : 1687455140
  }
}

{
  "status" : "application_closed",
  "suggested_messaging" : {
    "title" : "Reapply for life insurance?",
    "subtitle" : "It’s not too late to reapply for coverage with Ladder, our trusted life insurance partner."
  }
}

{
  "status" : "policy_canceled",
  "suggested_messaging" : {
    "title" : "Your policy was canceled",
    "subtitle" : "For more information, please contact support@ladderlife.com"
  }
}

{
  "status" : "application_declined",
  "suggested_messaging" : {
    "title" : "We’re sorry",
    "subtitle" : "Unfortunately, Ladder is unable to offer you coverage at this time."
  }
}

This endpoint fetches the status of a user's application and offer.

HTTP Request

GET https://www.ladderlife.com/api/v1/management/:id/status

This endpoint has no inputs.

HTTP Response

Field	Type	Required	Description
`status`	`string`	req	The application's current status. Possible values are `application_not_started`, `application_incomplete`, `application_incomplete_fallback_shown`, `application_complete_action_needed`, `application_complete_pending_underwriting`, `offer_pending`, `covered`, `application_closed`, `application_declined`.
`suggested_messaging`	`object`	opt	Object of type `Suggested_messaging`. See below for details.
`uw_status`	`string`	opt	The status of manual underwriting. Applies to the `application_complete_action_needed` and `application_complete_pending_underwriting` application statuses. Values are `sign_special_authorization`, `schedule_medical_exam`, and `respond_to_followup` for the `application_complete_action_needed` status, and `waiting_for_aps`, `waiting_for_ladder`, and `other` for the `application_complete_pending_underwriting` status.

Suggested_messaging

Field	Type	Required	Description
`title`	`string`	req	A suggested title for the application's current status
`subtitle`	`string`	req	A suggested subtitle for the application's current status

Application Status Webhook

The Ladder Application Status Webhook allows your application to receive updates for the status of users' applications.

The statuses that are pushed from Ladder match the ones described in Application Status.

Example request body from Ladder to your URL

{
  "status": "application_incomplete",
  "suggested_messaging": {
    "title": "Finish your life insurance application?",
    "subtitle": "It takes 5 minutes, and you'll find out if you're instantly approved."
  },
  "ineligibility": {
    "is_eligible": true
  },
  "quote_questions_answered": [
    "gender",
    "date_of_birth",
    "term",
    "coverage",
    "residence_state",
    "name",
    "email",
    "height_inches",
    "weight_pounds",
    "smoker",
    "family_history",
    "household_income",
    "number_of_children",
    "mortgage_balance"
  ],
  "id": "cf521091-615e-4f3c-a574-251e2a02c69a",
  "external_id": "22222-8fe6-443a-8f31-abc12345",
  "request_time": 1577836902
}

Example signature in request header The sample payload above can be hashed as-is with the secret key hello_world to produce the following header signature.

"X-API-Key: DKTPM/Tdbsq52HbNgXEG+uU7fk4jhBgN1BIM9RqpybA="

Example python code to calculate a signature

import hashlib
import hmac
import base64

b64_key = "aGVsbG9fd29ybGQ="
decoded_key = base64.b64decode(b64_key) # => hello_world
response_body = b"{}"

digest = hmac.new(decoded_key, response_body, hashlib.sha256).digest()

print(base64.encodebytes(digest).decode()) # => W6bMERnnetu3KywKH35Nknwdgy8NmFuFZaoFQwz6Cyg=

Technical Details

Ladder will communicate with an endpoint of your choosing, over HTTPS. Messages are sent with a content-type of text/vnd.json+hmac-sha256. These messages are plain JSON, and can be decoded with any existing JSON parser.
Ladder will sign these messages using HMAC-SHA256 (with a base64-encoded shared key issued ahead of time). The X-API-Key HTTP header will carry this signature in all requests.
- All payloads include a request_time key corresponding to the number of seconds since the (UNIX) epoch, which can be used to validate the integrity of the payload.
- You should read the raw bytes from the body of the request before allowing your parser to parse the input.
- Signature is base64 encoded.
Non base64 string to byte conversions are encoded via UTF-8.

These are all the possible values under quote_questions_answered.

Fields
email
weight_pounds
nicotine_use
smoker
height_inches
name
coverage
number_of_children
zipcode
date_of_birth
residence_state
activity_level
term
family_history_members
mortgage_balance
household_income
gender
family_history

Now that you know the basics of the Ladder API and have an API key, you can integrate with the Ladder Quote Widget for a quick set up. The Ladder Quote Widget is a drop-in module that handles input validation and error handling within the UI.

Integrating with the Ladder Quote Widget takes only a few lines of client-side HTML. The next section has a working example of each available widget type along with the exact HTML needed to embed it in your page.

After filling out the input fields, the user can click "Get My Quote" to see quick estimate of what their rate could be for the default coverage of $1 Million and default term length of 20 years. Clicking "Get Started" will direct the user to www.ladderlife.com where they can begin an application and customize their quote further. Feel free to try this out with any of the widgets below.

Width: 300px, height: 250px

<div class="ladder-widget-tile-a"></div>
<script src="https://www.ladderlife.com/widget/embed.js"></script>

Width: 336px, height: 280px

<div class="ladder-widget-tile-b"></div>
<script src="https://www.ladderlife.com/widget/embed.js"></script>

Width: 420px, height: 623px

<div class="ladder-widget-portrait"></div>
<script src="https://www.ladderlife.com/widget/embed.js"></script>

As above, but will shrink to fit its container down to a minimum width of 259px and a minimum height of 458px. Unlike the non-flex version, this widget requires that the containing div have its height set, and optionally its width too.

<style>
.ladder-widget-flex-portrait { width:320px; height:568px; }
</style>
<div class="ladder-widget-flex-portrait"></div>
<script src="https://www.ladderlife.com/widget/embed.js"></script>

Width: 720px, height: 377px

<div class="ladder-widget-landscape"></div>
<script src="https://www.ladderlife.com/widget/embed.js"></script>

Errors

The Ladder API always returns JSON for valid requests. Plain text will be returned for invalid requests. The following codes will be returned:

HTTP Code	Meaning
200	Success
400	Bad Request — Invalid.
401	Unauthorized — Missing or invalid API key.
403	Forbidden — Account does not have permission to access endpoint.
404	Not Found — Endpoint does not exist.
429	Too Many Requests — You've issued more requests than what Ladder allows in a period of time.
500	Internal Server Error — Ladder server problem. Please try again later.
503	Service Unavailable — Temporarily offline for maintenance. Please try again later.

Ladder Platform Overview

Authentication

Quoters

Create a Quoter

HTTP Request

Parameters

Family_member

HTTP Response

Quote_status

Quote

Retrieve a Quoter

HTTP Request

HTTP Response

Quote_status

Quote

Update a Quoter

HTTP Request

Parameters

Family_member

HTTP Response

Quote_status

Quote

Create interpolation

HTTP Request

Parameters

Yearly-coverage

HTTP Response

Interpolation_status

Yearly-quote

Get Bundles

HTTP Request

HTTP Response

Bundles

Most_popular

Start an application

Redirect user to Ladder

HTTP Request

Parameters

Family_member

HTTP Response

Invite user via email

HTTP Request

Parameters

Family_member

HTTP Response

Ladder for Advisors

Register an advisor

HTTP Request

Parameters

HTTP Response

Find an advisor

HTTP Request

Parameters

HTTP Response

Login as a financial advisor

HTTP Request

Parameters

HTTP Response

Calculator

HTTP Request

Parameters

Child

HTTP Response

Account Manager

Policy Information

HTTP Request

HTTP Response

Policy

Ladder_down_price

Laddering Down

HTTP Request

Parameters

HTTP Response

Policy

Ladder_down_price

Application Status

HTTP Request

HTTP Response

Suggested_messaging

Application Status Webhook