LADDER INSURANCE

• Ladder insurance differentiates itself by having competitive rates, an online application, and real-time underwriting.
• The company does not use agents, so it does not have to pay them, meaning it can offer lower insurance rates.
• In addition, customers can "ladder" over time, which means they can increase or decrease coverage at any time based on life changes and obligations.
• Other attractive aspects of Ladder insurance include its price lock guarantee, no policy fees, and a money-back guarantee.
• One of Ladder Insurance's market strategies is to offer a modern way to purchase life insurance while other companies have been slow to adopt technology.
• As such, it offers a "fully-digital process [that] gives customers a more convenient and manageable experience, from consideration and application through policy management."
• An example of Ladder's creative can be seen here.

CHUBB INSURANCE

• Chubb Insurance differentiates itself by offering personalized insurance coverage. Its website states, "What if all the precision and expertise we associate with finely crafted things were applied to insurance? After all, insurance isn’t generic. It’s personal. It’s about the people and things that matter to you."
• One of its offerings that is different from other insurance companies is its Chubb Cyber Podcasts, which focus on "industry-specific scenarios, as well as how an insurance policy and cyber services can help protect an organization."
• Chubb also has a charity component, which brings "together agents and clients from around North America to drive, chip, and putt for causes they care about."
•  Chubb offers homeowners' insurance, auto insurance, life insurance, flood insurance, and more. It offers both individual and business policies.
• Chubb's primary product is called the "Customarq Package," which allows for a flexible and modular approach to insurance.
• An example of Chubb's creative can be seen here.

• A competitive landscape has been initiated on the attached spreadsheet that will compare the requested details for Ladder Insurance, Chubb Insurance, Tesla Insurance, and USAA Insurance.