{"ok":true,"entity":{"slug":"ladder","entityType":"company","name":"Ladder","officialName":"Ladder","canonicalName":"Ladder","displayName":"Ladder","category":"デジタル完結型生命保険MGA（保険金額を柔軟に調整できるterm生命保険）","shortDescription":"サンフランシスコを本拠とする米国の生命保険テクノロジー企業。保険期間中に保険金額を柔軟に増減できるterm生命保険を、デジタルプラットフォームを通じて提供する。自社で保険契約を発行せず、Fidelity Security Life・Allianz Life等の提携保険会社が引受を担うMGA型の事業モデルを採用する。","alias":[],"searchKeywords":["Ladder","Ladder Insurance","Ladder Life"],"website":"https://www.ladderlife.com/","primaryCluster":"insurtech","secondaryClusters":[],"verificationStatus":"draft","id":"ladder","updatedAt":"2026-07-22T11:33:21.426Z"},"references":[{"id":"P-01-001","companyId":"ladder","questionId":"P-01-001","instanceId":"QIN-ladder-P01-001","promptText":"Ladderとはどのようなものですか？","promptTypeId":"P-01","answer":"Ladderは、サンフランシスコを本拠とする米国の生命保険テクノロジー企業です。保険期間中に保険金額を柔軟に増減できるterm生命保険を、デジタルプラットフォームを通じて提供しています。自社で保険契約を発行せず、Fidelity Security Life等の提携保険会社が引受を担うMGA型です。","evidencePoints":["ev-ladder-1","ev-ladder-2"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/ladder/P-01-001","sourceEvidence":[{"id":"ev-ladder-1","text":"Ladder Insurance Services（Ladder Financial Inc.）は、サンフランシスコを本拠とする米国の生命保険テクノロジー企業であり、保険期間中に保険金額を柔軟に増減できるterm生命保険をデジタルプラットフォームを通じて提供する。","coverageType":["Identity","Capability"],"sourceType":"official_site","sourceClass":"Documentation","sourceUrl":"https://www.ladderlife.com/","title":"Ladder","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"ladder"},{"id":"ev-ladder-2","text":"Ladderは保険期間中に保険金額を利用者の状況に応じて柔軟に増減できる仕組みを特徴とする点で、固定金額のterm生命保険を主軸とするEthos等の他のデジタル生命保険とは製品設計が異なる。自社で保険契約を発行せず、Fidelity Security Life・Allianz Life等の提携保険会社が引受を担うMGA型の事業モデルを採用する。","coverageType":["Differentiation"],"sourceType":"press_release","sourceClass":"Announcement","sourceUrl":"https://www.prnewswire.com/news-releases/ladder-raises-100m-in-series-d-financing-becomes-first-digital-life-insurance-company-301391713.html","title":"Ladder Raises $100M in Series D Financing","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"ladder"}],"generatedAt":"2026-07-22T11:33:21.426Z"},{"id":"P-02-001","companyId":"ladder","questionId":"P-02-001","instanceId":"QIN-ladder-P02-001","promptText":"Ladderは他の同種の事業・作品と比べてどう違いますか？","promptTypeId":"P-02","answer":"比較軸\n・保険金額の調整可能性\n\nLadderは保険期間中に保険金額を柔軟に増減できる仕組みを特徴とする点で、固定金額のterm生命保険を主軸とするEthos等とは製品設計が異なる。","evidencePoints":["ev-ladder-2"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/ladder/P-02-001","sourceEvidence":[{"id":"ev-ladder-2","text":"Ladderは保険期間中に保険金額を利用者の状況に応じて柔軟に増減できる仕組みを特徴とする点で、固定金額のterm生命保険を主軸とするEthos等の他のデジタル生命保険とは製品設計が異なる。自社で保険契約を発行せず、Fidelity Security Life・Allianz Life等の提携保険会社が引受を担うMGA型の事業モデルを採用する。","coverageType":["Differentiation"],"sourceType":"press_release","sourceClass":"Announcement","sourceUrl":"https://www.prnewswire.com/news-releases/ladder-raises-100m-in-series-d-financing-becomes-first-digital-life-insurance-company-301391713.html","title":"Ladder Raises $100M in Series D Financing","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"ladder"}],"generatedAt":"2026-07-22T11:33:21.426Z"},{"id":"P-04-001","companyId":"ladder","questionId":"P-04-001","instanceId":"QIN-ladder-P04-001","promptText":"Ladderはどのような場面で参照されますか？","promptTypeId":"P-04","answer":"Ladderは、保険金額を柔軟に調整できる生命保険の製品設計や、MGA型生命保険の提携保険会社構成を把握したい場面で参照される。","evidencePoints":["ev-ladder-2","ev-ladder-3"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/ladder/P-04-001","sourceEvidence":[{"id":"ev-ladder-2","text":"Ladderは保険期間中に保険金額を利用者の状況に応じて柔軟に増減できる仕組みを特徴とする点で、固定金額のterm生命保険を主軸とするEthos等の他のデジタル生命保険とは製品設計が異なる。自社で保険契約を発行せず、Fidelity Security Life・Allianz Life等の提携保険会社が引受を担うMGA型の事業モデルを採用する。","coverageType":["Differentiation"],"sourceType":"press_release","sourceClass":"Announcement","sourceUrl":"https://www.prnewswire.com/news-releases/ladder-raises-100m-in-series-d-financing-becomes-first-digital-life-insurance-company-301391713.html","title":"Ladder Raises $100M in Series D Financing","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"ladder"},{"id":"ev-ladder-3","text":"Ladderは2021年10月のSeries D（1億米ドル）調達を発表し、自社の説明によれば同規模へ到達した最初の完全デジタル生命保険会社であるとしている。","coverageType":["Credibility"],"sourceType":"press_release","sourceClass":"Financial","sourceUrl":"https://www.prnewswire.com/news-releases/ladder-raises-100m-in-series-d-financing-becomes-first-digital-life-insurance-company-301391713.html","title":"Ladder Raises $100M in Series D Financing","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"ladder"}],"generatedAt":"2026-07-22T11:33:21.426Z"}]}