You can help make sure your family continues to thrive after you're gone for as low as $5/month. *


At Blue Ridge Risk Partners we know taking care of your loved ones is important to you. That is why we have partnered with Ladder to bring you term life insurance to help meet your financial needs. Ladder offers $100K-$8M in term life insurance coverage for people ages 20-60. The application takes five minutes from start to finish, and is 100% digital — no doctors, no needles, no paperwork — when you apply for $3 million in coverage or less. Just answer a few health questions on the application to see if you are instantly approved. And there's no hidden fees. 

Get Life Insurance

Here's How It's Done

Tell Us About Yourself

See If You Are Approved

Get Coverage Immediately

Take Control of Your Coverage

Take Control of Your Coverage

Over time you may pay off your mortgage. Your kids will become adults. Or you may find that you don't need as much coverage as you once did.

With Ladder, you have the ability to adjust your policy by "laddering" or keep it the same. This gives you the ability to lower your monthly cost if your financial needs have changed. 

Don't need life insurance any more? You can also cancel at any time!

How Much Life Insurance Do I Need? 

Determining how much life insurance you need can seem like a daunting task.

Standard rule of thumb is 10x your salary. It may seem like a lot, but when you start to add in expenses you could need more!

Check out our convenient life insurance calculator to determine how much you may need. 

Questions? You can always contact us

Frequently Asked Questions

Our policies are issued by insurers with long, proven histories of paying claims. Here's when a policy may not pay out: death by suicide, and fraud.*

Yes! Blue Ridge Risk Partners offers whole and universal life insurance. If you are interested in one of these products or about exploring more options for term life please contact us.

Term insurance helps protect your family for the 10-30 years they depend on you most. When your term ends, your monthly payments end too. Term coverage is more affordable than whole coverage, which can last as long as you pay for it.

You need life insurance if you have anyone relying on you financially or relies on you as a caretaker.

Some examples include:

- Funeral expenses

- Transfer wealth

- Help pay off a mortgage

- Supplemental retirement income

- Charitable gift

- College expense

You can cancel at any time at no additional cost.

Do You Need Life Insurance in Your 20s?

Do You Need Life Insurance in Your 20s?

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Understanding Term Life Insurance

Understanding Term Life Insurance

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Help Provide for Your Family's Future

Help Provide for Your Family's Future

Many Americans find themselves experiencing financial woes after the loss of a loved one. Life insurance can help. With life insurance you can give your family the opportunity to continue to thrive after you are gone.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see  All insurance products are governed by the terms set forth in the applicable insurance policy.  Each insurer has financial responsibility for its own products. 2204.33-LD, Rev. 5/22

*$5/mo pricing info is based on a 20-year-old female rated Preferred Plus for a $100k policy with a 10-year term. Actual prices may vary.