Rating: 8.5 / 10 (Excellent)
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Smart Financial Life Insurance is a digital comparison shopping engine that helps consumers compare insurance quotes from over 30 insurance carriers in their network of insurance companies, in less than three minutes. Their parent company, Smart Financial LLC, was founded in 1998, and is based in Costa Mesa, California.

How is SmartFinancial Life Insurance rated?


Financial Strength
Customer Experience

Overall Rating: 8.5 / 10 (Excellent)

Smart Financial Life Insurance is an excellent place to start research into life insurance companies, obtain, and compare competing quotes. Since the company partners with a large number of insurance carriers, consumers are sure to find a company or policy that fits their needs, all in one easy-to-use website.

Financial Strength

Financial Strength - 9 / 10

Smart Financial Life Insurance is a marketplace for insurance carriers, in which customers input their information and receive quotes from competing companies. Their partners include carriers such as Metlife (A+ with A.M. Best), Progressive (A2 Senior with Moody's), and Plymouth Rock (A- with A.M. Best).

Reputation & Customer Experience

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 8 / 10

Customers using Smart Financial Life Insurance's services should research the companies they are paired with on consumer review websites such as the Better Business Bureau and TrustPilot. This can give them a good idea of general satisfaction with the product and issues they may need to look out for.

SmartFinancial Life Insurance Policies

SmartFinancial Life Insurance offers customers the following life insurance policies: Term, Whole Life, Universal Life, Variable Universal Life, Indexed Universal Life. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the SmartFinancial Life Insurance Term Life policy.

Policies - 8 / 10

Smart Financial Life Insurance is a marketplace for more than twenty different life insurance carriers, including Progressive, MetLife, and Plymouth Rock. Given the company's large network, customers are likely to receive quotes from insurers offering a wide variety of policies, suitable to most needs.

Flexibility & Available Riders

Available Riders

  • Disability Income Rider
  • Guaranteed Insurability Rider
  • Critical Illness Rider
  • Child Protection Rider
  • Spouse Protection Rider
  • Long-Term Care Rider

Flexibility - 9 / 10

Smart Financial Life Insurance doesn't provide life insurance coverage in and of itself, but rather connects customers with insurance carriers from their network of providers. However, their large number of partner companies virtually ensures that consumers will be able to find a policy that meets their needs.

Additional Company Information

Homepage URL
Company Phone
(855) 214-2291
Headquarters Address
1901 Newport Boulevard Suite 300, Costa Mesa, CA, 92627
Year Founded

Top Rated
Our Partner
9.7 / 10
  • Get $250,000 of Term Life Coverage for as Low as $14/Month
  • Save up to 70% on your term life policy
  • Get a free, no-obligation term life insurance quote
  • Over 88 million customers worldwide rely on AIG
  • It takes 2 minutes to request your term life quote