Cancel Ladder: Easy Method

What is Ladder

Overview

Ladder is an online life insurance provider that offers digital applications, underwriting, and policies primarily through its website and mobile apps. It markets itself on speed, affordability, and a user-friendly interface.

Context for New Zealand users

There is no New Zealand-specific public Help Centre or Terms of Service that details cancellation or refund methods for Ladder New Zealand. Available information is limited and mostly from the broader Ladder service.

How to cancel Ladder

Primary cancellation method (verified)

• Email: Send a cancellation request from the email address associated with your Ladder account to help@ladderlife.com.
• Include in your message: full name, account email, policy or subscription ID (if known), and a clear statement that you want to cancel the policy or subscription.

If you subscribed via an app store

• No official Ladder NZ instructions were found for App Store or Google Play cancellations. If your payment was processed by Apple or Google, you may also need to cancel the subscription in your App Store / Google Play account directly.
• General guidance: check your device's subscription settings (Apple ID subscriptions on iOS; Subscriptions in Google Play on Android) to stop recurring billing from the platform.

What happens when you cancel

Access and coverage

Once Ladder confirms cancellation, your coverage or access to the service should stop according to the policy terms or the date specified in the confirmation.

If you have an active life insurance policy, confirm the effective cancellation date in Ladder's reply to ensure there is no unintended lapse or double coverage.

Renewal and data

Recurring subscriptions should cease after cancellation if processed correctly either by Ladder or by the app store used for billing.

Ladder will retain records according to its internal policies; request confirmation of any data retention or deletion when you cancel.

Will I get a refund?

Official policy status

There is no accessible public refund policy for Ladder New Zealand. No verifiable statements on cooling-off periods, refunds, or explicit no-refund terms were located.

Because Ladder NZ does not publish refund rules, refunds - if any - must be confirmed directly with Ladder via the help email.

Exceptions and next steps

• If you believe a charge is incorrect, contact Ladder at help@ladderlife.com and keep records of your correspondence.
• If payment was processed through Apple or Google, you may also request refunds through their support channels, subject to their policies.
• Consider your rights under New Zealand consumer law (see next section) if you are seeking a refund for a faulty or misrepresented service.

Ladder plans and pricing

Current plans (estimated NZD)

Pricing notes

The NZD prices above are estimated by converting USD pricing from Ladder's official site and may differ in the New Zealand App Store due to Apple pricing tiers, GST, and currency fluctuations.

To see exact NZD rates, check the subscription options directly in your App Store or Ladder account before purchasing.

Your consumer rights in New Zealand

Key legal protections

Under New Zealand law, the Consumer Guarantees Act gives consumers remedies such as repair, replacement, or refund when goods or services have a major failure or are not of acceptable quality.

Businesses cannot contract out of these rights; any contradictory terms in a provider's policy do not override statutory protections.

Actions you can take

• If Ladder fails to provide the service as promised, you can seek remedies under the Consumer Guarantees Act.
• Keep clear records of communications, charges, and product/service problems to support any complaint to Ladder or to a consumer agency.
• For general guidance visit Consumer Protection NZ.

Customer experiences

Positive feedback

TrustPilot reviews for Ladder (US-based) report many positives: easy signup, speed, affordability, smooth processes, user-friendly interface, and helpful customer support.

These reviews indicate a generally favourable customer experience for many users.

Negative feedback and cautions

A minority of reviews describe a slow or opaque underwriting process that resulted in denials after long waits, with customers citing frustration over transparency.

Because most public reviews reference Ladder's US operations, experiences may differ for New Zealand customers and for insurance vs. fitness subscription products.

For more user reviews see TrustPilot - Ladder.

Documentation checklist

What to include in a cancellation request

• Your full name and the email address linked to the account.
• Policy number or subscription ID, if available.
• Clear statement you want to cancel and the desired effective date.

Helpful supporting documents

• Copies or screenshots of recent charges or invoices.
• Any correspondence with Ladder about the policy or subscription.
• Proof of identity if requested by Ladder for administrative verification.

Common mistakes

Using the wrong email or lacking identifiers

Sending a cancellation request from a different email than the one on the account can delay processing or prevent confirmation.

Always use the account email and include policy or subscription identifiers to speed up handling.

Assuming app-store billing is handled by Ladder

Some users assume Ladder controls recurring payments even when billed via Apple or Google. Not checking the platform subscription settings is a common oversight.

If you are billed through an app store, cancel the subscription in that store as well as emailing Ladder where possible.

Comparative recap

Plan comparison

Key takeaway

Annual plans are cheaper per month but both plans require direct confirmation of cancellation via email in the absence of a published NZ cancellation process.

After cancelling

What to expect next

Wait for a written confirmation from Ladder that your cancellation has been processed and that no further charges will occur after the effective date.

If you do not receive confirmation within a reasonable time, follow up and keep records of all attempts to contact Ladder.

Helpful links and resources

• Contact Ladder: help@ladderlife.com
• Consumer rights and refunds: Consumer Protection NZ
• User reviews and experiences: TrustPilot - Ladder

Address

Postal address

Ladder does not provide a New Zealand postal address for cancellations; no NZ-specific postal address is publicly available for routine cancellation requests.

For legal notices, Ladder may provide a US mailing address to the policy issuer, but this is not required for standard cancellation requests.

Best contact method

Initiate cancellations by emailing help@ladderlife.com from the email address linked to your account.

Keep copies of your cancellation email and any confirmations from Ladder for your records.