Are you sure that Ladder offers decreasing benefit insurance? I looked all over their website and found nothing about decreasing benefits. The name "Ladder" might imply the technique, called "laddering", of buying multiple policies to achieve decreasing coverage.
In the spirit of saving the search - yes, it does offer the ability to decrease coverage as needed, with premiums decreasing by the same percentage as well (i.e. if you decrease benefit by half, premiums decrease by half, too).
Scolding people for not giving you more than they already gave you for free is a behavior that will never get you what you want.
Update: eh, I'm in a good mood today so I'll tell you the name, it's Ladder. No link though. You may Google it as penance for being annoying.