This paper introduces a new loading condition considering the combined thermo-electro-mechanical coupling effect in a series solution-based approach to analyze the free-edge interlaminar stresses in smart composite laminates. The governing equations are developed using the principle of complementary virtual work. The assumed stress fields satisfy the traction-free and free-edge boundary conditions. The accurate stress states of the composite structures are acquired through the procedure of generalized eigenvalue problems. The uniform temperature is employed throughout the laminate, and the electric field loading is applied to the symmetric piezo-bonded actuators to examine the combined effect of thermal and electrical stresses on the overall deformation of smart composite laminates. It was observed that the magnitude of the peeling stresses generated by mechanical loading was reduced by the combined thermal and electric excitation loading (up to 25.3%), which in turn resulted in expanding the service life of the smart composite structures. The proposed approach is implemented on three different layup configurations. The efficiency of the current methodology is confirmed by comparing the results with the 3D finite element (FEM) solution computed by ABAQUS.