Pennsylvania Burial Insurance: 9 Essential Questions

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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In the Keystone State, there is a lot to be thankful for, from Presque Isle State Park down to beautiful Pittsburg and over to historic Strasburg and, of course, all the history that comes with Philadelphia.

There are so many places to call home in such a diversely gorgeous state.

One item not at the forefront of Pennsylvanians’ everyday thoughts is funeral costs. This is where senior final expense insurance can be valuable.

9 Essential Questions About Pennsylvania Burial Insurance

1. What is Pennsylvania Funeral Insurance?

This policy is a type of whole life coverage which means each plan comes with three attached benefits. Funeral insurance is also known as final expense and burial and cremation insurance.

Price Never Increases: Your price will be locked in with no price increases. Other products on the market will increase the older the insured gets, but the price is locked in with whole life final expense.

Coverage Never Decreases: This product offers permanent coverage, which means you will never outlive your policy.

Builds Cash Value: A portion will go into the cash value account for every payment you make. If you ever need to borrow from your policy, it is your right to do so.

2. What Can the Funeral Insurance Payout be Used For in Pennsylvania?

The payout can be used for anything the beneficiary chooses, and there are no restrictions.

Here is a list of the common items the distribution is used for.

  • Funeral
  • Cremation
  • Memorial/Celebration of Life
  • Credit Cards
  • Charity Donations
  • Medical Bills
  • Remaining Balance on a Mortgage
  • Post-Mortem Expenses
  • Remaining Car Loan Balances
  • Leaving an Inheritance
  • Legal Expenses
  • Other Final Expenses

3. How do I Qualify For Pennsylvania Burial Insurance?

Qualifying for the plan is simple. You will speak with an experienced agent to determine which category you fall under according to your health.

There are four categories of plans:

  • Level: Great Health
  • Graded: Average Health
  • Modified: Past Health Concerns
  • Guaranteed Issue: Major Medical Issues

Once your agent pre-qualifies you for a plan type, you will walk through a simple application process that takes 15-20 minutes.

After the application is submitted, coverage will be awarded within a few business days.

4. What Age can I Receive Final Expense Coverage Until in Pennsylvania?

Burial insurance for seniors over 80 is available, and most carriers will provide initial coverage until they are 85 years old. However, a select number of companies will award initial coverage until the age of 90.

Coverage never expires; there are only restrictions on the initial application age.

5. What is a Waiting Period for Pennsylvania Burial Insurance?

The provider places a time restriction on a policy before full coverage goes into effect. Some carriers are willing to cover higher-risk health conditions, but this has a trade-off.

These plans are known as graded or modified coverage and will provide a partial payout during the plan’s first two years should the insured pass.

If the insured were to pass away during the waiting period, the beneficiary would receive a partial payout determined when the policy is initially taken out.

6. How Does Someone Living in Pennsylvania Qualify for First-Day Coverage?

You will need to be in good health with no significant or recent health conditions. Ultimately each company has a different risk tolerance for medical conditions, making speaking with a trusted agent very important.

7. Is Pennsylvania Final Expense Insurance a Good Deal?

The product is meant for individuals looking for a simple and affordable way to pay their final expenses. Small whole life insurance policies allow seniors to leave financial security for an affordable monthly price.

8. Can I Purchase a Policy for A Family Member Who Lives in Pennsylvania?

Some rules and regulations must be followed to have a valid life insurance contract. The loved one will have to agree to coverage, sign their name, and be in a healthy state of mind.

9. How do I Get a Pennsylvania Funeral Insurance Quote?

The best way to secure a quote is to use the online quote tool on this page. It will simply show you the range of prices that each carrier offers. To get a more specific quote and see what you can qualify for, you will want to speak with one of our agents to find a plan matching your health conditions and budget.

What Is The Best Funeral Insurance In Pennsylvania?

Several of the top burial insurance companies are licensed in PA. Every life insurance company sets its own medical underwriting standards. This means the best funeral insurance company changes depending on your specific health circumstance. However, once you have found the right company for your medical history, there are three things to consider before moving forward.

Cost: Companies decide what their premiums will be. This means you will need to research and ensure the quote you received is fair market value.

Financial Rating: A company’s financial rating is determined by a third-party rating agency and will show if the carrier is financially stable to pay out its claims on time. Make sure you use a company with an A- or better financial rating.

Coverage Type: Burial insurance with no waiting period is what every applicant should attempt to obtain. However, there are times when the medical history of a senior requires a two-year waiting period.

How Much Does a Burial Cost in PA?

The average traditional burial in Pennsylvania is $7,818. Not included in this total is the cost of a headstone, monument, or plot of land.

How Much Does Cremation Cost in Pennsylvania?

On average, Pennsylvanians can expect to pay $6,411 for a traditional cremation. The cost can be less if the family elects for direct cremation services but ultimately depends on the selected services.

Cremation and funeral costs can range over various price points depending on many factors.

Pennsylvania follows the national trend, which shows an increase in cremation services. Cremation rates were at 53% in 2020, which is expected to grow to over 69% by 2030.

Location Burial Cremation
State Average

Not included in the price estimates:

  • Cost of Headstone, Monument, or Marker
  • Cemetery Property, Plot of Land, Columbarium, etc.

Life Span Statistics in PA

The average age of death in the state is 78.3. This is just shy of the national average life span of 78.8.

Causes of Death in Pennsylvania

Listed below are the top 10 leading causes of death in the state, according to the CDC.

  1. Heart Disease
  2. Cancer
  3. Covid-19
  4. Accidents
  5. Stroke
  6. Chronic Lower Respiratory Disease
  7. Alzheimer’s Disease
  8. Diabetes
  9. Kidney Disease
  10. Influenza/Pneumonia

Every Pennsylvanian knows a friend, family member, or loved one affected by at least one of these medical conditions.

The best thing is educating oneself and creating a plan for the inevitable end-of-life costs.

Final Thoughts About Pennsylvania Burial Insurance

a. When looking for Pennsylvania final expense insurance, it is crucial to understand that there is no “one size fits all” company. Every person has a different health history, and every provider will cover these conditions differently.

b. Work with a specialized insurance agency to ensure you find the best plan possible for you and your family.