Postclic unlimited subscription: promo at SGD 1,36 for 48h with a mandatory first month at SGD 73,99, then SGD 73,99 per month without commitment
Cancel LADDER
in 30 seconds only!
Cancellation service #1 in Singapore
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the Ladder service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Ladder: Easy Method
What is Ladder
Service overview
Ladder is a subscription-based service offering customizable life insurance policies that can be increased or decreased as needs change.
It provides online underwriting and policy management with options to subscribe via mobile app stores or directly on the website.
Who it suits
Suitable for adults seeking flexible, digital-first life insurance with quick online approval options.
Pricing and plan tiers vary; some users buy monthly or annual plans through app stores or direct billing.
How to cancel Ladder
Cancel via web (Ladder Life Insurance)
- Email help@ladderlife.com from the email address registered to your Ladder account.
- Reply to any follow-up messages and be prepared to verify your identity as requested.
- Once identity is confirmed and request processed, your cancellation will be completed by Ladder support.
Cancel via apps and account settings
- iOS: Cancel through Apple subscription management: Settings > Apple ID > Subscriptions > Ladder.
- Android: Cancel through Google Play: Play Store > Profile > Payments & subscriptions > Subscriptions > Ladder.
- Website/Stripe: If billed via Stripe, log into your Ladder account and use Account Settings or Manage Subscription; you may be redirected to a Stripe portal.
What happens when you cancel
Access and coverage
After cancellation, active coverage generally continues only for the paid period or until Ladder confirms policy termination.
Confirm with support whether coverage ends immediately or at the end of your billing cycle.
Data, renewals and billing
Billing stops for future renewals once cancellation is processed through the billing channel used (Apple, Google Play, Stripe or Ladder support).
Ladder will retain account and policy records per its data-retention policy; contact support to request copies or deletions where applicable.
Will I get a refund?
Free-look period and refunds
Within the first 30 days (the "free-look period") you are entitled to a full refund of the first month’s premium in most cases.
For some New York products, the free-look period may be 10 days for phone/chat cancellations; verify if that applies to your policy.
Fees and exceptions
- No general cancellation fees or penalties are charged, per Ladder guidance.
- Always confirm refund timing and amount with Ladder support because insurer-specific exceptions can apply.
Ladder plans and pricing
Plans summary
Below are plan names, published US prices and features drawn from available plan data.
App-store prices shown in USD are converted to SGD in-app by Apple/Google at checkout.
| Plan | Price | = period | Features |
|---|---|---|---|
| Pro Monthly | US$29.99 | monthly | Access to one Ladder team at a time; weekly coach-built strength programming; in-ear coaching; video demos; progress tracking; Apple Watch & music integration |
| Pro Annual | US$179.99 | annual | Same as Pro Monthly; access to all teams; unlimited team changes; Save & Replay; more value |
| Elite Monthly | US$44.99 | monthly | All-teams access; unlimited puts; Save & Replay workouts; advanced coaching perks like priority updates and advanced analytics |
Your consumer rights in Singapore
General protections
Statutory cooling-off rights in Singapore typically apply to goods and certain services, not necessarily to digital services or online-purchased insurance.
Insurance-specific protections are governed by relevant Singapore laws and insurer terms; always check policy documents.
Where to seek recourse
- For disputes, you may lodge a complaint with the Consumers Association of Singapore (CASE).
- For small monetary disputes that remain unresolved, consider the Small Claims Tribunal as a possible avenue.
Customer experiences
Positive feedback
Many users praise a seamless, intuitive application process with fast approvals and immediate policy PDFs in minutes.
Reviews highlight easy online management and reputable insurer partnerships with strong financial ratings.
Negative feedback
Some users report frustrations with underwriting surprises - initial low rates changing after medical checks - and communication delays.
There are reports of double charges and slower responses during holidays; monitor billing and contact support quickly if issues arise.
Documentation checklist
What to prepare before contacting support
- Email from the address registered to your Ladder account (required for web/email cancellation).
- Policy number or subscription receipt (from email or app store receipts).
- Photo ID for identity verification if requested.
Additional useful items
- App-store subscription screenshots (if cancelled via Apple/Google Play).
- Bank or card statements showing charges, if requesting refunds or disputing double charges.
Common mistakes
Using the wrong email or account
Contacting support from an email that is not linked to the Ladder account delays processing due to identity checks.
Always send the cancellation request from the registered email address to avoid verification issues.
Missing platform-specific steps
When subscribed via Apple or Google Play, cancelling only with Ladder support may not stop app-store billing; use the store subscription manager as well.
Also confirm whether your billing was processed via Stripe on the website; cancelling the app subscription alone may leave Stripe charges active.
Comparative recap
Quick summary table
This table compares key aspects of Ladder vs typical alternatives in the market using available plan pricing.
| Aspect | Ladder (typical) | Typical alternative |
|---|---|---|
| Price (example) | Pro Monthly US$29.99 (monthly); Pro Annual US$179.99 (annual); Elite Monthly US$44.99 (monthly) | Varies by provider; comparable monthly/annual tiers commonly available |
| Cancellation | Email support from registered email; App Store/Play Store or account settings/Stripe | Typically via insurer support or app-store subscription managers |
| Refund policy | Full refund of first month within 30-day free-look (some NY products 10 days); no general fees | Varies; many insurers offer short free-look periods but durations differ |
After cancelling
Confirmations and follow-up
Keep copies of cancellation confirmations, emails, and any refund receipts until billing and coverage status are fully resolved.
If you don’t receive confirmation in a reasonable time, follow up with support from the registered email address.
Helpful resources
- General reviews and cost guides about the Ladder app: Ladder app cost & hidden fees guide
- Plan, trial and pricing overview: Ladder strength training cost & free trial info
Address
Mailing address
1919 1st Street
Use this address where a physical mailing address is required; verify any official correspondence details with Ladder support before sending documents.