Life insurance that protects your family's future.
Compare free quotes from 30+ top-rated carriers in minutes. No medical exam options available. Get matched with a licensed agent in your state who will help you find the right coverage at the best price.
Compare quotes from 30+ carriers
Get matched with the best rates from top-rated insurance companies.
Coverage in as little as 24 hours
Many policies don't require a medical exam. Get covered fast.
Rates as low as $1/day
Affordable protection that fits your budget. No hidden fees.
Why TheSmartMom
The easiest way to protect your family
We connect you with licensed agents who work with dozens of insurance carriers. They'll find you the best coverage at the lowest price - at no cost to you.
Response time
24-48h
A licensed agent will call you.
Carriers compared
30+
Top-rated insurance companies.
Our service
Free
No cost to compare quotes.
Find the right type of life insurance for you
Not sure which type you need? Our licensed agents will help you choose based on your budget, family situation, and goals.
Term Life Insurance
Affordable coverage for 10, 20, or 30 years. Perfect for protecting your family while the kids are young or paying off the mortgage.
Best for: Young families, homeowners, income replacement
Final Expense Insurance
Covers funeral costs and final expenses ($5,000-$25,000). No medical exam required. Approval in as little as 24 hours.
Best for: Seniors 50+, those with health issues
Whole Life Insurance
Permanent coverage that lasts your entire life. Builds cash value over time that you can borrow against.
Best for: Long-term planning, legacy building
The best time to get life insurance? Today.
Every day you wait is a day your family isn't protected. And the longer you wait, the more expensive coverage becomes.
Rates increase with age
Life insurance premiums go up as you get older. Lock in today's rates now.
Health can change
A new diagnosis could make coverage expensive or impossible to get. Don't wait.
Your family depends on you
If something happened to you tomorrow, would your family be financially secure?
$22/mo
Average cost for $400K term life*
*For healthy 35-year-old female, 20-year term
Your family's protection is our priority
Licensed agents only
Every agent in our network is licensed in your state and follows strict ethical standards.
No pressure sales
Get information, compare options, and decide on your own timeline. No obligations.
Real humans, real help
Talk to a real person who can answer your questions and guide you through options.
Moms who protected their families
Sarah, 38
California
"As a single mom, I needed coverage I could afford. TheSmartMom helped me find a $400K policy for just $28/month."
Jennifer, 45
Texas
"After my husband passed, I knew I needed to protect my kids. The agent was compassionate and found me great coverage."
Maria, 52
Florida
"I thought I couldn't get life insurance because of my diabetes. They found me a policy with no medical exam."
Life insurance FAQ
How much life insurance do I need?
A common rule is 10-12x your annual income, plus any debts you want covered (mortgage, student loans). If you're a stay-at-home mom, consider the cost to replace childcare, housekeeping, and other services you provide.
Do I need a medical exam?
Not always. Many term life and final expense policies offer 'no medical exam' options. You may pay slightly higher rates, but approval can happen in 24-48 hours instead of weeks.
What's the difference between term and whole life?
Term life covers you for a specific period (10-30 years) and is more affordable. Whole life covers you for life and builds cash value, but costs more. Most families start with term.
Can I get life insurance as a stay-at-home mom?
Absolutely. Many people underestimate the value of a stay-at-home parent. Childcare, cooking, cleaning, transportation - these services can cost $50,000+ per year to replace.
Compare quotes from 30+ carriers in 2 minutes
Answer a few quick questions and a licensed agent in your state will reach out with personalized quotes. No obligations, no pressure.
What type of coverage are you looking for?
Select the option that best fits your needs
TheSmartMom is a lead generation service that connects consumers with licensed insurance agents. We are not an insurance company or broker. By submitting your information, you authorize licensed insurance agents to contact you regarding life insurance products. Coverage, rates, and availability vary by state and carrier. Licensed agents will provide specific quotes and product recommendations.