She is 50 years old and a smoker. Other than that she doesn't really have health problems and is active. She doesnt have that much money and can only afford about $30 or $40 a month.
You may want to ask friends and relatives for a recommendation of their life insurance agents. Or, look in the yellow pages to find a licensed, independent life insurance agent in your area. Then, you could contact the agent and request an appointment to sit down and review the life insurance options available for your mother.
Another option is to visit some of the leading life insurance websites online to learn more about life insurance and review plans from highly-rated insurance companies. That way, you could compare pricing and have an idea of how much your mother's life insurance may cost before sitting down with an agent.
You may also want to search for top 10 life insurance companies to review the leading insurers and their financial ratings before you compare quotes.
Here's an article that explains Life Insurance for People over 50 and how you can request and compare life insurance rate quote comparisons online from several leading insurance companies without any obligation.
Before buying a plan make sure you consider how much life insurance your mother needs, for how many years, and what type of life insurance will meet her needs.