This Company Offers Life Insurance That Actually Responds to Your Changing Needs

Pop quiz time. What do you think about when you think about buying life insurance?

Time’s up! Did you think of pushy salespeople? Or maybe your mind went to the dreaded thought of getting locked into a 20-year policy that isn’t right for you even five years down the road.

Your life is constantly changing, and that’s a good thing. What you really want is life insurance that can change along with you.

According to the Insurance Information Institute, an independent resource for information on all things insurance, 44% of consumers overestimate the cost of life insurance, and more than half of them say they’d get it if they could just get it priced without a physical exam.

If you think you’re ready for a term life insurance plan to help protect your family, check out Ladder. You’ll find that you can get life insurance that is easy to get and easy to change when your life takes a new path.

My Life Changes. What About My Policy?

One of the hardest parts about choosing a life insurance policy is trying to figure out just what kind of policy is the best fit for you and your life. What if you sign a 15-year policy and your life situation changes?

People get married, buy houses, have kids and then, eventually, those kids move out and do their own thing.

Ladder gets it. Your life is dynamic, and your life insurance coverage should be able to change with it. That’s why it offers flexible coverage.

Sign up for the coverage you need, but when your life takes a new path, Ladder lets you add more or even reduce your coverage without dealing with high-pressure agents or even tedious paperwork.

Back up — What Is Term Life Insurance?

Simply put, term life insurance is a life insurance policy that pays out a benefit upon the death of the policy holder. The policy is purchased for a certain term, for example 10 or 20 years, and the policy holder can choose to renew their policy once it expires.

The biggest determining factors in the cost of a term life insurance policy are the amount of coverage (the amount left to the family) and the age, gender and health of the person insured.

The primary benefit is the ability to leave money for loved ones for things like funeral and living expenses.

For example, imagine a man who is 35 years old, married and has two kids. He may choose to purchase term life insurance. If he should die unexpectedly, the insurance policy would leave a predetermined amount of money to his wife and kids to help pay funeral costs. It would also help them get by without his income, so they could continue to pay their bills, stay in their home and continue their education.

Keep Life Simple

You can use Ladder’s coverage calculator to figure out how much coverage you should have. Then your online application only takes a few steps:

  • Take about five minutes to answer a few questions about your life and health, such as your income.
  • You’ll get an instant decision on coverage, and there’s no risk. You won’t even have to go get a full physical. Some simple lab work might be required, but that’s easy, right?
  • You’ll need to enter your driver’s license and social security number, which is true for any life insurance application. The company needs this information to verify your identity and prevent fraud,. It uses a secure website and will not sell your private information.
  • You’ll pay no policy fees, and you can cancel anytime. You even get a 30-day money-back guarantee.

Your life is full of changes. Make sure your life insurance can change with you.

Life can be hard, and making decisions about it can seem even harder. Ladder makes life insurance easy to get and easy to change.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Changing Hearts: Persona 5 and My JRPG Journey

As a kid, I played my fair share of Pokémon, enthralled by the wonderful designs and charming world. The games still hold a special place in my heart. Yet as I grew older, I realized that my love for Charizard had been veiling my disdain for turn-based combat. I tried again and again to get back into the series to no avail, instead turning to more action-oriented games like God of War and Uncharted: Drake’s Fortune.

I gave other JRPGs a shot over the years, — the legendary Chrono Trigger among them — and each time, I seemed to find turn-based gameplay even more of a chore. I knew I was missing out on some of gaming’s finest adventures, making matters worse. I consider myself a patient and open-minded person, so why was I so impatient and close-minded toward an entire genre? That’s when Persona 5 (P5) entered my life.

My Homie


joker ren protagonist ryuji sakamoto persona 5 playstation exclusive phantom thieves
Nothing and no one gets between these two.

My stepbrother, who comes over every other weekend, owns an Xbox. He thought P5 seemed incredible, but it’s a PlayStation exclusive. I have a PlayStation. See where I’m going with this?

When he started the game, I decided to watch — a bit of brotherly bonding, something we could enjoy together while everyone else was asleep. In the back of my mind, I also figured that if I liked the game enough… but no. It was a JRPG. And sure enough, neither of us were raving about P5′s first few hours. (“Where’s the f—ing Ginza line?!”)

But as he mastered the intricate balance between the protagonist‘s daily life and fight for a better world, my stepbrother’s growing enthusiasm for P5 infected me. I wanted to hang with Ryuji more than once every other weekend, to date Makoto instead of Futaba, to take the hearts of society’s scum with my own hands. There was just the issue of turn-based combat…

Beneath the Mask


persona 5 joker ren protagonist phantom thieves mask off playstation exclusive
“Please don’t take off my mask — my place to hide.”

… which I got over faster than you can say, “For real?!” It’s still not my preferred way to play, but that didn’t matter because what P5 gets right, it gets right. The soundtrack is a fusion of musical genres that keeps your adrenaline pumping as often as it has you in tears. The aesthetics are vibrant, fluid, and stylish, as effective in establishing the tone as anything else. The world is as full of wonder and disappointment as our own — and as alive, in that sense.

And the characters … the Phantom Thieves. Befriending them one by one, understanding what motivates them, setting aside time to spend with them — wasn’t this stuff reserved for real life? Fighting alongside them against the corrupt adults who serve as P5‘s villains was engaging in its own way, but learning who they all were beneath the mask was an experience like no other. This was the element that I’d been looking for in JRPGs but never found: personal attachment.

Wake Up, Get Up, Get Out There


ophilia tressa alfyn olberic primrose h'annit cyrus therion octopath traveler nintendo switch jrpg turn based combat
If you don’t wake up, get up, get out there, you’ll never meet people like this!

I don’t know that any JRPG — any game, really — can truly replicate the feelings P5 spawned in me. It was the first JRPG I played through to completion and an amazing game in its own right. And yet, when it was over, I knew I wanted more; nearly 100 hours of life in Tokyo‘s Shibuya ward had convinced me of that. I was okay with turn-based combat now, but was that enough for me to enjoy other JRPGs? In short, yes.

My next JRPG adventure came in the form of Fire Emblem Echoes: Shadows of Valentia (which my stepbrother also played first), my first foray into the storied Fire Emblem franchise. I love me some swords and sorcery, so it wasn’t hard to get into, though its map battles proved a much different beast than P5‘s enemy encounters. Accepting that it wouldn’t impact me as much as P5 was the real battle, but I won that one, too.

Today, I’m keeping up the streak with Octopath Traveler, a JRPG with combat akin to P5‘s and a world not unlike that of Shadows of Valentia‘s. Over 50 hours in, I dig it more and more every second I play, in love with the characters and music. It’s simple, really: it’s a good game — JRPG or not, turn-based combat or not. Just like P5.

New Beginning


ann takamaki ryuji sakamoto futaba sakura ren amamiya joker protagonist haru okumura yusuke kitagawa makoto niijima persona 5 phantom thieves playstation exclusive
Thanks, everyone.

I don’t know what JRPG will come my way next, but thanks to P5, I know I’ll embrace it as wholeheartedly as any other game I’d normally play. Before P5, maybe I wasn’t as patient and open-minded as I thought I was. Who knew that that’d be a lesson that a video game taught me? I won’t get preachy or anything, but I will say this: don’t be afraid to try new things. You never know what — or who — you might find. For real.

(And … yes. For those wondering, all the headings in this article are the names of P5 songs. I may or may not have been listening to the soundtrack while writing this.)

5 Games to Fill the ‘Persona 5’-Shaped Hole in Your Heart

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