Planning for final expenses doesn't have to be overwhelming. If you're a Pennsylvania senior aged 50-85, you're not alone in thinking about how to protect your family from the financial burden of funeral costs. The average funeral cost in Pennsylvania is around $10,000, and with cremation services averaging over $6,000, many families face unexpected financial strain during an already difficult time.
Burial insurance offers Pennsylvania residents a practical, affordable solution. Also known as final expense insurance, these policies are specifically designed for seniors who want guaranteed coverage without the hassle of medical exams. Whether you live in Philadelphia, Pittsburgh, or anywhere across the Keystone State, burial insurance can provide peace of mind for you and your loved ones.
With Pennsylvania's senior population (65 and over) making up 19% of the state, more families are discovering how affordable burial insurance protects against rising funeral costs. Let's explore how you can secure coverage that fits your needs and budget.
Why Pennsylvania Seniors Choose Burial Insurance
Pennsylvania families value preparation and security. That's why thousands of seniors across the Commonwealth are choosing burial insurance to ensure their final wishes are honored without creating a financial burden.
Protection Against Rising Funeral Costs: Funeral costs in Pennsylvania average between $2,460 for direct cremation and $8,816 for full service burial. When you add cemetery plots, memorial services, and other expenses, costs quickly escalate. Burial insurance locks in coverage today at rates that won't increase, protecting your family from inflation.
No Medical Exam Required: Most final expense policies can be issued based on answers to health questions on the application – no exam is necessary. This means even Pennsylvania seniors with health conditions like diabetes, heart disease, or COPD can qualify for coverage. Learn more about no medical exam burial insurance options.
Quick Approval Process: Most Pennsylvania seniors get approved within 24-48 hours. The application takes just 10-15 minutes over the phone, and coverage can usually be issued in days – not weeks. You can have peace of mind knowing your family is protected almost immediately.
Simplified State Regulations: In Pennsylvania, you have a maximum of 10 days to look over your policy and make changes to it. This free look period ensures you're completely satisfied with your coverage. Pennsylvania's consumer-friendly insurance regulations help protect seniors while keeping burial insurance affordable and accessible.
- • Traditional Funeral & Burial: $8,800 - $11,200
- • Cremation with Services: $6,200 - $6,500
- • Direct Cremation: $2,400 - $3,000
- • Cemetery Plot (varies by location): $1,500 - $5,000
Coverage Options in Pennsylvania
Choosing the right coverage amount depends on your individual needs and final wishes. Pennsylvania seniors typically select coverage between $5,000 and $25,000 based on whether they prefer cremation or traditional burial services.
| Coverage Amount | Best For | Monthly Premium Range |
|---|---|---|
| $5,000 | Basic cremation, simple services | $30 - $60/month |
| $10,000 | Traditional funeral, burial plot | $55 - $110/month |
| $25,000 | Full funeral, final expenses, debts | $125 - $250/month |
$5,000 coverage is ideal for Pennsylvania seniors who prefer simple cremation services or have already pre-paid for some funeral arrangements. This affordable option typically costs between $30-$60 per month depending on your age and health.
$10,000 burial insurance is the most popular choice among Pennsylvania families. This coverage handles traditional funeral services, burial plots, and related expenses while remaining affordable for seniors on fixed incomes. Many consumers decide on about $10,000 worth of coverage to help cover their funeral costs.
$25,000 final expense plans provide comprehensive coverage for Pennsylvania seniors who want to cover funeral costs, outstanding debts, medical bills, and leave something behind for loved ones. This higher coverage ensures your family won't face any financial hardship.
How to Qualify for Burial Insurance in Pennsylvania
Qualifying for burial insurance in Pennsylvania is straightforward, even if you have health issues. Here's what you need to know:
Age Requirements
Most Pennsylvania burial insurance policies are available to seniors between ages 50 and 85. Whether you're looking for affordable burial insurance for 60-year-olds, coverage for seniors over 70, or final expense insurance for 80-year-olds, options are available across Pennsylvania.
The earlier you apply, the lower your premiums will be. The younger you are, the cheaper your rates will be, so it pays to plan ahead.
No Medical Exam Required
One of the biggest advantages of burial insurance is that most policies don't require medical exams. No medical exam is required, and some plans offer guaranteed approval. Pennsylvania seniors with conditions like:
- High blood pressure or heart disease
- Diabetes
- Cancer (depending on treatment status)
- COPD or asthma
- Previous heart attacks or strokes
Can still qualify for coverage. Learn more about guaranteed issue burial insurance with no medical exam.
Simple Application Process
Applying for burial insurance in Pennsylvania takes just minutes. You'll answer a few simple health questions, choose your coverage amount, and select your beneficiaries. Most applications are completed over the phone in 10-15 minutes.
Understanding Pennsylvania Funeral Costs
Knowing what funerals actually cost in Pennsylvania helps you choose the right coverage amount. Prices vary across the state, with Philadelphia and Pittsburgh typically having higher costs than rural areas.
Traditional Funeral and Burial: The average cost of a funeral in Pennsylvania is $8,817, plus an average burial plot cost of $2,787, totaling over $11,600. This includes:
- Basic services of funeral director and staff
- Transportation of remains
- Embalming and preparation
- Viewing and ceremony
- Casket (average $3,500)
- Burial plot and opening/closing
- Headstone or grave marker
Cremation Services: Cremation with traditional funeral service costs $6,537 in Pennsylvania. Direct cremation without services averages $2,400-$3,000, making it the most affordable option.
Why Planning Ahead Saves Money: Over time, inflation will cause funeral costs to increase. But a funeral contract combined with a Preneed insurance plan can offset inflation. By securing burial insurance now, you lock in today's rates and protect your family from future price increases.
- • Body preservation is required once the individual has been dead for more than 24 hours
- • Death certificates must be filed through funeral homes
- • 100% of all funeral and cremation pre-payments must be placed in a third party account
- • 10-day free look period on all burial insurance policies
Pennsylvania Burial Insurance FAQs
How much does burial insurance cost in Pennsylvania?
Burial insurance costs in Pennsylvania vary based on your age, health, gender, and coverage amount. Monthly rates for a typical $10,000 burial insurance policy range from $30 to $150 monthly for seniors ages 50 through 80. Women typically pay slightly less than men due to longer life expectancy. To get an accurate quote for your situation, check your eligibility online or call our licensed agents at 1-619-507-3889.
Can I get burial insurance in Pennsylvania if I have health issues?
Absolutely! Even people with preexisting medical conditions can buy a burial policy. Guaranteed life insurance for seniors asks no health questions. Pennsylvania seniors with diabetes, heart disease, cancer, or other conditions can qualify for coverage. While some health issues may affect your premium or require a short waiting period, nearly everyone can get approved.
What does burial insurance cover in Pennsylvania?
Burial insurance policies in Pennsylvania typically cover the costs of your funeral, including the casket, funeral home services, and other related expenses. The death benefit can be used for funeral services, cremation, burial plots, headstones, outstanding medical bills, credit card debt, and any other final expenses. Your beneficiaries receive the full benefit tax-free and can use it as they see fit.
How quickly can I get coverage in Pennsylvania?
Very quickly! Most Pennsylvania seniors complete their application in 10-15 minutes over the phone. Coverage under Guaranteed Issue Whole Life insurance can typically be finalized within 48 hours of initial application. Many policies offer immediate coverage for accidental death, with full coverage taking effect after a brief waiting period (usually 2 years for guaranteed issue policies).
Are there age limits for burial insurance in Pennsylvania?
Most burial insurance policies in Pennsylvania are available to seniors ages 50-85. Coverage is usually best suited for people ages 50 to 85. Some insurers offer coverage to those as young as 40 or as old as 89, depending on health and policy type. The key is to apply sooner rather than later, as premiums increase with age.
Is burial insurance worth it for Pennsylvania seniors?
For most Pennsylvania families, yes. Funeral costs in Pennsylvania are already above the national average and continue to rise. Without burial insurance, your family would need to cover these costs out-of-pocket during an emotionally difficult time. Burial insurance provides guaranteed protection for just pennies a day. Learn more about whether burial insurance is worth it for your specific situation.
Get Started with Pennsylvania Burial Insurance
Protecting your Pennsylvania family with burial insurance is simple. Here's how to get started:
Step 1: Determine Your Coverage Needs - Consider whether you prefer cremation or traditional burial, and factor in costs for funeral services, burial plots, and any outstanding debts you'd like covered.
Step 2: Get Your Free Quote - Check your eligibility online in just 2 minutes, or call our Pennsylvania-licensed agents at 1-619-507-3889. We'll provide personalized quotes from multiple top-rated insurers.
Step 3: Compare Your Options - Review coverage amounts, premiums, and policy features. Our agents will explain the differences between guaranteed issue and simplified issue policies to help you choose the best fit.
Step 4: Complete Your Application - Once you've selected your policy, we'll complete your application over the phone in about 10 minutes. Answer a few simple questions, choose your beneficiaries, and you're done.
Step 5: Get Approved - Most Pennsylvania seniors receive approval within 24-48 hours. Your policy documents will arrive by mail, and you'll have a 10-day free look period to review everything.
Don't wait to protect your family. Funeral costs won't decrease, and the earlier you secure coverage, the lower your premiums will be. Join thousands of Pennsylvania seniors who have already secured their peace of mind with affordable burial insurance.
Get your free Pennsylvania burial insurance quote now or call 1-619-507-3889 to speak with a licensed agent.
Coverage Available Throughout Pennsylvania
Our burial insurance services are available to seniors across the entire Commonwealth, including Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, and all surrounding areas.
Looking for coverage in neighboring states? We also serve families in Connecticut, Maine, and Massachusetts.