Optional TIC
At Ladder, there are two main paths after a user submits an application, acceleration or manual underwriting. While every user wants to be accelerated, most end up in the manual process, which includes going through a lab process. During this time users are usually uncovered, but Ladder requires users to take a temporary policy in the meantime. While this is meant to be a good service, making it required adds friction into the flow, causing confusion and frustration for many users, and ultimately drop-off.