Which Companies Offer Burial Insurance Plans In Pennsylvania?
Final expense policies in the USA vary from state to state. Below is a list of companies that offer plans in Pennsylvania.
Y2 50% payout,
Y3+ full benefits
How Much Does Final Expense Life Insurance Cost In Pennsylvania?
Final expense insurance prices are determined by your gender, age, health, state of residence, and how much coverage you choose. That said, below are some sample quotes for various ages.
How Do Burial Policies Work?
A burial policy is a type of whole life insurance meant to cover your funeral and other final expenses. When you pass away, your beneficiaries will receive a tax-free cash payment, which they can spend on anything (not just funeral costs). Also, if your family does not use all the money to cover your final expenses, they are entitled to keep whatever is left over.
There are two types of funeral insurance that companies may offer:
- Guaranteed acceptance: No medical exam is required, and no health questions need to be answered. Because approval is guaranteed, there is a two-year waiting period (with all insurers). If you die during the waiting period for any non-accidental reason, the insurance company will merely refund your premiums.
- Simplified issue: These plans also don’t require a medical exam, but you must answer health questions. If you’re approved, there is no waiting period, which means you’re fully covered immediately.
Lastly, since these are whole life policies, the premiums cannot change (nor can the death benefit), and the insurance remains in effect indefinitely.
How Much Does A Funeral Cost In Pennsylvania?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,573 |
| Direct Burial (No Service) | $4,469 |
| Cremation Service | $6,498 |
| Direct Cremation (No Service) | $1,319 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Funeral cost calculators can be especially helpful in accurately estimating the cost of your preferred funeral services.
The Free Look Period In Pennsylvania And The FTC Funeral Rule
Life insurance policies in Pennsylvania always have a ten-day free look period. During this period, you can cancel your policy and receive a refund if any money was paid.
When it comes to funeral planning, there is a national law known as the Funeral Rule, which is administered by the Federal Trade Commission. It forces funeral homes to adhere to certain procedures, such as but not limited to:
- Provide written, transparent prices for all products and services prior to taking payment.
- Allow consumers to opt out of pre-packed funerals and select only what they want.
- They must accept products from outside sources (such as buying a casket from Costco).
- Nationally licensed life insurance agent with over 16 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 16 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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ten-day free look period. https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/coverage/documents/life-insurance/life.pdf
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Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
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casket from Costco. https://www.costco.com/funeral-caskets.html
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 01/21/2026.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (01/22/2025-01/22/2026).
- Data sourced from 2023 NFDA General Price List Study.
