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All right, we're back from a couple days off. We've got a lot to get to and we'll do that in about 60 seconds after a word from latter life insurance.

If you're anything like me, you got a certain tendency to maybe put things off until the very last minute.

But the one thing you really can't afford to wait on

is really setting up your term coverage, life insurance.

If you are choosing life insurance

and you're going to the wrong places, can be a problem but not if you go to

the ladder ladder is 100% digital no doctors no needles no paperwork when you apply

for three million dollars in coverage or less it's got to ask a answer a few

questions about your health and an application.

And the good thing is, you just need a phone, a few minutes, maybe a laptop to apply.

Ladder Smart algorithms work in real time so you'll find out if

you're instantly approved. No hidden fees. You can cancel any time and get a full

refund if you change your mind in the first 30 days. Lader policies are

issued by insurers

with long proven histories of paying claims

and they are rated A and A-plus by AM Best.

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