Best Life Insurance Options for Single Moms (2025) As a single mom, you handle it all — and life insurance is one of the most important tools to protect your children’s future. In 2025, policies are more affordable and accessible than ever. Here's how to find the right one for you. 1. Choose Term Life for Affordability Term life insurance provides coverage for 10, 20, or 30 years at a fixed premium. It’s the most cost-effective way to ensure your kids are protected if something happens to you during their childhood or college years. 2. Consider Whole Life for Long-Term Stability Whole life insurance stays in place forever and builds cash value. It’s more expensive but can act as both protection and savings. Good for moms planning long-term legacy or estate coverage. 3. Look into No-Exam Policies If you're busy or have minor health issues, many insurers now offer policies with no medical exam required. You can get approved online in minutes. 4. Calculate the Right Covera...