Pennsylvania boasts a storied history, unique nature, and a growing rural and urban population, but did you know that funeral costs in the Keystone State are growing, too? Savvy seniors across Pennsylvania are looking for ways to cover Pennsylvania’s rising funeral costs. One of the most reliable ways to cover these costs and other end-of-life expenses is burial insurance in Pennsylvania.
Offering lifetime coverage, affordable rates, and tax-free benefit payouts, burial insurance provides seniors a reliable way to cover their funerals ahead of time. To secure lifelong, affordable peace of mind, contact Final Expense Benefits. Our expert agents work with over 20 of the best life insurance companies and can help you find quality burial insurance in Pennsylvania, no matter your health concerns or budget.
To learn more about your options for burial insurance in Pennsylvania, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. To see how much coverage you may need or how much it could cost, check our free online funeral cost calculator and personalized quoting tool.
Key takeaways
- The average cost of a funeral in Pennsylvania is $8,817, plus an average burial plot cost of $2,787, with payment often required up front.
- Burial insurance is the best way for seniors in Pennsylvania to cover funeral costs and other end-of-life expenses ahead of time.
- Burial insurance laws in Pennsylvania help protect customers and promote a trustworthy market.
- Final Expense Benefits works with over 20 top burial insurance companies and can help connect seniors in Pennsylvania to a quality policy.
Average Cost of a Funeral in Pennsylvania
Funeral costs in Pennsylvania are already above the national average and continue to rise. Costs vary by the type of funeral, your desired services, and more. Per Funeralocity, average Pennsylvania funeral costs range from:
- Traditional funeral & burial: $8,817 + $2,787 burial plot cost
- Cremation with traditional funeral service: $6,537
- Direct burial (burial with no funeral service): $5,287
- Direct cremation (cremation with no funeral service): $2,460
These prices are for basic services and may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
Seniors have a few ways to cover large end-of-life expenses like funerals ahead of time. The most reliable, affordable, and accessible is burial insurance, a type of whole life insurance designed for seniors. Here’s more information about Pennsylvania funeral costs and how burial insurance can help Pennsylvania seniors:
1
Top Funeral Homes in Pennsylvania
Here are some of the most popular funeral homes in Pennsylvania. Contact them for more accurate Pennsylvania funeral cost estimates:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
|
Downingtown, PA |
5.0 / 5 |
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|
Sharon, PA |
5.0 / 5 |
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Gettysburg, PA |
5.0 / 5 |
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Milford, PA |
4.8 / 5 |
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Waynesboro, PA |
4.4 / 5 |
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Pennsylvania Funeral Cost Breakdown
Costs for funerals in PA vary by the type of funeral and services you prefer. Because they involve expensive funeral home rentals, caskets, burial plot costs, and memorial services, traditional funerals are the priciest type of funeral. Here’s a breakdown of costs for traditional funerals in Pennsylvania:
- Basic services
Funeral homes charge fees for basic services like funeral directors and permits.
- Transport
Transport fees for funerals include costs for transporting a body from the morgue or delivery of a casket in a hearse to a burial plot. Costs can rise if shuttle services for attendees are required.
- Service preparation
Funerals with a viewing require extensive, pricey body preparation, such as embalming, clothing, and makeup.
- Memorial service
Fees for memorial services include officiants, flowers, decorations, funeral home rentals, and more. Costs increase for larger, catered gatherings.
- Casket
Casket costs vary by material and quality, but average wooden caskets cost about $3,500.
- Burial plot
Burial plot costs vary by location. The average cost of a cemetery plot in densely populated areas, like Philadelphia, is much higher than in rural regions.
Burial insurance can help Pennsylvania seniors cover these costs and more. With simple, common-sense regulations, Pennsylvania seniors enjoy a wide range of burial insurance options. Here’s how laws for burial insurance in Pennsylvania work:
Pennsylvania Burial Insurance Laws
Pennsylvania has a few simple laws for life insurance. These regulations help promote a trustworthy, healthy burial insurance market. Here are Pennsylvania’s burial insurance requirements and how they work:
- Free look period
Pennsylvania state law requires insurance companies to give policyholders a period of at least 10 days to determine if they want to keep their policy. If they return their policy, the policyholder is entitled to a full refund of any paid premiums.
- Life insurance locator
To ensure trustworthiness and provider legitimacy, Pennsylvania requires that all life insurance companies be registered with the NAIC, a leading life insurance regulatory and customer protection agency.
- FTC funeral rule
The FTC funeral rule is a federal law requiring funeral service providers to provide clients an itemized, detailed list of services and their costs. It’s a good way to ensure you’re not being overcharged for funeral services.
Thanks to these simple regulations, Pennsylvania seniors enjoy a low-cost, trustworthy burial insurance market. Here’s more information about burial insurance:
The Best Way Seniors Can Secure Peace of Mind: Burial Insurance in Pennsylvania
Also known as final expense insurance, burial insurance is an affordable type of whole life insurance designed with seniors in mind. It’s a low-cost way for seniors to secure reliable, lifelong coverage, providing benefits that grow in cash value and are perfect for covering seniors’ needs.
Rates are locked at policy start, and average burial insurance benefit payouts range from about $5,000 to $50,000, plenty to cover funeral, burial plot, and cremation costs.
These policies have simple health requirements, thanks to forgiving medical underwriting. That means seniors in good health can qualify for policies with low rates and no waiting periods, while those with more significant pre-existing health concerns may only qualify for guaranteed life insurance. We recommend seniors apply early, so you can secure great rates. Here’s how much to expect to pay for the average burial insurance policy:
Rates for $10,000 Burial Insurance in Pennsylvania
Though funeral costs are high, costs for burial insurance in Pennsylvania are low. Here are sample rates for a typical $10,000 burial insurance policy from Mutual of Omaha, a top Final Expense Benefits partner insurer:
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$44 |
$33 |
|
65 |
$56 |
$41 |
|
70 |
$75 |
$53 |
|
75 |
$100 |
$72 |
|
80 |
$140 |
$98 |
These rates are calculated for a $10,000 burial insurance policy from Mutual of Omaha, using a non-smoking applicant with no pre-existing health conditions.
If you’re interested in learning more about burial insurance in Pennsylvania, call Final Expense Benefits today. Check our free online quoting tool for an accurate, personalized pricing estimate.
How Final Expense Benefits Helps You Find Burial Insurance in Pennsylvania
Final Expense Benefits is here to help connect seniors to over 20 of the top burial insurance companies. As a leading life insurance brokerage, we only work with the best life insurance providers, so you know you’re finding quality, reliable, affordable coverage.
Life insurance brokerages handle the hardest parts of the burial insurance process for you. We help you shop from any of our top partner providers, find your best rates, and take care of the application for you. Call Final Expense Benefits at (866) 786-0725 to start your burial insurance application from the comfort of your home, and we can help you secure a great policy.
What is the Best Burial Insurance in Pennsylvania?
Seniors in Pennsylvania can select from any of Final Expense Benefits’ top-rated life insurance partners. We work with only the best life insurance companies, so you know you’re getting great coverage.
Here are some of our top picks for burial insurance in Pennsylvania:
- Aetna Accendo
Aetna Accendo offers low-cost burial insurance with simple medical underwriting, great for seniors with pre-existing health concerns.
Best for: Seniors with health concerns seeking reliable coverage.
- Americo
Americo offers low costs and reliable life burial insurance, with a variety of policies available for diverse budgets.
Best for: Seniors in good health seeking coverage on a budget. - Mutual of Omaha
One of the top burial insurance providers, Mutual of Omaha offers quality policies, reliable customer service, and low rates.
Best for: Seniors seeking reliable coverage at low rates.
Final Thoughts
Seniors in Pennsylvania looking to cover funeral costs and other end-of-life expenses should get burial insurance. Burial policies provide reliable, affordable coverage and benefits ideal for covering seniors’ needs.
Seniors seeking burial insurance in Pennsylvania can find quality, reliable coverage with Final Expense Benefits. We partner with over 20 of the top life burial insurance providers and can help you secure quality coverage, regardless of your health concerns or budget.
To learn more about your options for burial insurance in Pennsylvania, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. Check our free online funeral cost calculator and quoting tool to see how much coverage you need or how much it may cost.
FAQ
How much does a funeral cost in Pennsylvania?
The average cost of a funeral in Pennsylvania varies by the type of funeral and desired services. The typical traditional funeral in Pennsylvania costs $8,817, plus a typical burial plot cost of $2,787. Check our funeral cost calculator to see how much your funeral could cost.
How can I lower funeral costs in Pennsylvania?
Seniors seeking to lower or cover funeral costs in Pennsylvania can use government resources, like Social Security and Veterans Affairs reimbursements, or non-traditional memorial services, such as direct burials, green burials, and burial at sea. However, the most reliable way to cover funeral costs in Pennsylvania is burial insurance.
How much is a green funeral in Pennsylvania?
Green funerals are an eco-friendly alternative to traditional funerals and are a popular memorial option in Pennsylvania. They usually cost less than other types of funerals, with average green burial costs in Pennsylvania ranging from around $3,000 to $5,000.
How much is a funeral in Philadelphia?
The average cost of a funeral in Philadelphia is $9,181, slightly higher than Pennsylvania’s state average, per Funeralocity.
What is burial insurance?
Burial insurance is a low-cost type of whole life insurance that offers seniors accessible and reliable coverage. Payouts range from about $5,000 to $50,000, perfect for covering funerals and other end-of-life expenses in Pennsylvania.
How much is burial insurance in Pennsylvania?
Rates for burial insurance in Pennsylvania vary by the age of the applicant, their health condition, and the policy’s payout value. Monthly rates for a typical $10,000 burial insurance policy range from $30 to $150 monthly for seniors ages 50 through 80. For an accurate, personalized pricing estimate, check our free online quoting tool.