Best Life Insurance In Pennsylvania


  • Rikin Shah
  • Jun 20, 2024
pennsylvania cost of a funeral

Pennsylvania’s life insurance laws are governed by Title 31 of the Pennsylvania Code.

  • 10-day free look period (40 PA ST 510c)
  • 31-day grace period (31 PA 82.24)
  • If the claim takes longer than 30 days to settle, the insurance company is required to pay accrued interest on the proceeds, dating back to the death of the insured person (40 PA ST 511b)
  • Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Rhode Island’s life insurance laws and South Carolina’s life insurance laws are nearly identical to those of Pennsylvania).

How Much Is A $10,000 Whole Life Policy In Pennsylvania?

The table below shows the rates by age of $10,000 of whole life insurance in Pennsylvania.

Age20
Male$15.23
Male (Smoker)$16.92
Female$14.04
Female (Smoker)$16.22
Age25
Male$15.63
Male (Smoker)$18.37
Female$14.75
Female (Smoker)$17.28
Age30
Male$17.66
Male (Smoker)$19.74
Female$16.54
Female (Smoker)$18.72
Age35
Male$18.81
Male (Smoker)$21.80
Female$17.33
Female (Smoker)$20.82
Age40
Male$21.10
Male (Smoker)$25.25
Female$19.69
Female (Smoker)$23.49
Age45
Male$24.05
Male (Smoker)$29.08
Female$22.56
Female (Smoker)$27.22
Age50
Male$27.95
Male (Smoker)$33.32
Female$24.62
Female (Smoker)$31.45
Age55
Male$32.22
Male (Smoker)$39.76
Female$27.87
Female (Smoker)$37.15
Age60
Male$39.30
Male (Smoker)$47.31
Female$33.21
Female (Smoker)$42.08
Age65
Male$48.63
Male (Smoker)$58.35
Female$41.35
Female (Smoker)$50.92
Age70
Male$60.37
Male (Smoker)$71.56
Female$52.86
Female (Smoker)$60.70
Age75
Male$97.44
Male (Smoker)$133.20
Female$71.01
Female (Smoker)$94.66
Age80
Male$134.39
Male (Smoker)$182.64
Female$98.02
Female (Smoker)$135.86
Age85
Male$188.13
Male (Smoker)$257.96
Female$131.67
Female (Smoker)$193.15

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Best Life Assurance In Erie

Erie, a charming city nestled on the southern shore of Lake Erie in Pennsylvania, offers a scenic blend of natural beauty and urban sophistication. This waterfront gem is renowned for its stunning Presque Isle State Park, a peninsula with pristine beaches and picturesque trails perfect for nature lovers. Erie’s vibrant downtown area, rich with history, showcases an array of cultural attractions, including the Erie Art Museum and the historic Warner Theatre. The city’s bustling Bayfront district features the Erie Maritime Museum and the U.S.S. Niagara, reflecting its deep naval history. With a lively events calendar, family-friendly attractions like the Erie Zoo, and endless recreational activities both on and off the water, Erie embodies a welcoming blend of community spirit and lakeside serenity.

Pete Chylinski @ Asset Protection LtdDavid Curtis, Bankers Life Agent
Between Brown &, 1311 W 26th St, Elmwood Ave3939 W Ridge Rd Ste B8 # B7
+18148603101+18148338300
Pete Chylinski @ Asset Protection LtdCaitlin Erb, Bankers Life Agent
Between Brown &, 1311 W 26th St, Elmwood Ave3939 W Ridge Rd Ste B8 # B7
+18148603101+18148338300
Pete Chylinski @ Asset Protection LtdUS Fidelity Financial
Between Brown &, 1311 W 26th St, Elmwood Ave1703 Sunrise Lakes Dr Suite 2B
+18148603101+18145408288
Pete Chylinski @ Asset Protection LtdAlexander Confer, Bankers Life Agent
Between Brown &, 1311 W 26th St, Elmwood Ave3939 W Ridge Rd Ste B8 # B7
+18148603101+18148338300
Pete Chylinski @ Asset Protection LtdBurick Insurance Agency
Between Brown &, 1311 W 26th St, Elmwood Ave4603 Wattsburg Rd
+18148603101+18148253660
Pete Chylinski @ Asset Protection LtdBiff Springer – State Farm Insurance Agent
Between Brown &, 1311 W 26th St, Elmwood Ave4546 W Ridge Rd
+18148603101+18148367717
Pete Chylinski @ Asset Protection LtdLafaro Insurance Agency LLC
Between Brown &, 1311 W 26th St, Elmwood Ave4627 Peach St
+18148603101+18148665528
Pete Chylinski @ Asset Protection LtdHistoric Square Agency LLC
Between Brown &, 1311 W 26th St, Elmwood Ave3731 W 26th St
+18148603101+18148353743
Pete Chylinski @ Asset Protection LtdJohn Wenslow
Between Brown &, 1311 W 26th St, Elmwood Ave4509 W Ridge Rd
+18148603101+18148819041
Pete Chylinski @ Asset Protection LtdRunstedler Life & Retirement
Between Brown &, 1311 W 26th St, Elmwood Ave4114 Peach St
+18148603101+18149206895
Pete Chylinski @ Asset Protection LtdVillarreal Life Insurance of Erie
Between Brown &, 1311 W 26th St, Elmwood Ave1403 W 35th St
+18148603101+18146167687
Pete Chylinski @ Asset Protection LtdBankers Life
Between Brown &, 1311 W 26th St, Elmwood Ave3939 W Ridge Rd Ste B8 # B7
+18148603101+18148338300

Best Coverage In Pittsburgh

Pittsburgh, nestled at the confluence of the Allegheny, Monongahela, and Ohio rivers, boasts a rich tapestry of history, innovation, and cultural vibrancy. Often hailed as the “Steel City” for its historic foundation in the steel industry, Pittsburgh has transformed into a hub for healthcare, education, and technology. Its picturesque skyline, punctuated by the iconic yellow bridges, offers a visual testament to the city’s blend of industrial heritage and modern aesthetics. Renowned for its passionate sports culture, world-class museums, and lush parks, Pittsburgh offers a dynamic and welcoming atmosphere for residents and visitors alike.

ZAI Agency, LLC.Louis Reardon, Bankers Life Agent
322 North Shore Drive Building 1B, Suite 2003 Parkway Center, 875 Greentree Rd Ste 100
+14124369102+14127330011
ZAI Agency, LLC.James Edwell, Bankers Life Agent
322 North Shore Drive Building 1B, Suite 2003 Parkway Center, 875 Greentree Rd Ste 100
+14124369102+14127330011
ZAI Agency, LLC.Neda Marjanovic, Bankers Life Agent
322 North Shore Drive Building 1B, Suite 2003 Parkway Center, 875 Greentree Rd Ste 100
+14124369102+14127330011
322 North Shore Drive Building 1B, Suite 2001040 5th Ave
+14124369102+14124859762
ZAI Agency, LLC.Life Now Insurance Group
322 North Shore Drive Building 1B, Suite 200170 Jamison Ln 2nd Floor, Unit E
+14124369102+14129460789
322 North Shore Drive Building 1B, Suite 2001001 Ardmore Blvd
+14124369102+14124919389
322 North Shore Drive Building 1B, Suite 2003559 Bigelow Blvd Suite 200
+14124369102+14128054657
322 North Shore Drive Building 1B, Suite 2002008 Murray Ave
+14124369102+14125867340
322 North Shore Drive Building 1B, Suite 200225 W Station Square Dr Suite 300
+14124369102+14123923600
ZAI Agency, LLC.Mutual Smart Insurance Co
322 North Shore Drive Building 1B, Suite 200381 Mansfield Ave #400
+14124369102+16104778476
ZAI Agency, LLC.Prime Guard Insurance Co.
322 North Shore Drive Building 1B, Suite 200108 Third Ave
+14124369102+18142016510
ZAI Agency, LLC.Lead Insurance PA
322 North Shore Drive Building 1B, Suite 200Liberty Bank Building, 6101 Penn Ave #201
+14124369102+15702317340
ZAI Agency, LLC.Zachary Thielet, Bankers Life Agent
322 North Shore Drive Building 1B, Suite 200750 Holiday Dr Ste 420
+14124369102+14127330011
ZAI Agency, LLC.Prudential | Doug Comin | Life Insurance & Financial Services
322 North Shore Drive Building 1B, Suite 2001001 Ardmore Blvd
+14124369102+17246894969
ZAI Agency, LLC.Michael Suley, Bankers Life Agent
322 North Shore Drive Building 1B, Suite 200750 Holiday Dr Ste 420
+14124369102+14127330011

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Best Policies In Allentown

Allentown, nestled in the heart of Pennsylvania’s Lehigh Valley, is a vibrant city rich in history and culture. Known for its significant role during the American Revolutionary War, Allentown has evolved into a modern metropolis while retaining its historical charm. The city is a hub for arts, entertainment, and leisure, home to the esteemed Allentown Art Museum, the Symphony Orchestra, and the beautiful parks of the Parkland system. With a dynamic economy, Allentown also boasts a thriving business community, making it an attractive place for both professionals and families alike. Whether you’re exploring its historic sites, enjoying its lush green spaces, or participating in its numerous cultural festivals, Allentown offers a unique blend of old-world charm and contemporary lifestyle.

American Insurance Planners, IncShield Insurance Group
5100 Tilghman St # 255425 Allentown Dr
+15707548624+16105412041
American Insurance Planners, IncHeritage Insurance Group
5100 Tilghman St # 2554101 Tilghman St
+15707548624+14843504504
American Insurance Planners, IncElizabeth Yost, Bankers Life Agent
5100 Tilghman St # 2555000 Tilghman St Ste 310
+15707548624+16103360859
American Insurance Planners, IncExtreme One Insurance Inc
5100 Tilghman St # 255501 N 17th St #115
+15707548624+17243024169
American Insurance Planners, IncKatelyn Gregory, Bankers Life Agent
5100 Tilghman St # 2555000 Tilghman St Ste 310
+15707548624+16103360859
American Insurance Planners, IncKressler Wolff & Miller
5100 Tilghman St # 2552233 Walbert Ave
+15707548624+16104354751
American Insurance Planners, IncMiers Insurance
5100 Tilghman St # 255615 Waterfront Dr
+15707548624+16107977900
5100 Tilghman St # 2551011 Brookside Rd #220
+15707548624+16103919805
5100 Tilghman St # 2551440 Keystone Rd
+15707548624+19088591978

Best Life Cover In Philadelphia

Philadelphia, often called “Philly,” is a city brizzing with historical significance, cultural richness, and modern dynamism. As the largest city in Pennsylvania and one of the oldest municipalities in the United States, it was a pivotal site during the American Revolution, with landmarks like Independence Hall and the Liberty Bell standing as testaments to the nation’s founding. The city’s vibrant arts scene, diverse culinary offerings, and passionate sports culture further enliven its streets. From the storied steps of the Philadelphia Museum of Art to the bustling markets of Reading Terminal, Philly encapsulates a unique blend of historical gravitas and contemporary vitality. Whether exploring its colonial past or experiencing its lively neighborhoods, Philadelphia offers a multifaceted urban adventure.

American Insurance Community GroupInsurephilly.com
1650 Market St #360012325 Academy Rd
+18883161315+12156377621
American Insurance Community GroupJohnson Insurance Agency
1650 Market St #3600Market St
+18883161315+14845227697
American Insurance Community GroupJack Life Insurance
1650 Market St #36003877 Dungan St
+18883161315+12156428015
American Insurance Community GroupJack Life Insurance
1650 Market St #3600555 Diamond St
+18883161315+12677655749
American Insurance Community GroupFarmers Insurance – Vita Walker
1650 Market St #36001525 W Dauphin St
+18883161315+12154163407
American Insurance Community GroupMPS Insurance Agency (Life Insurance and Annuities)
1650 Market St #3600
+18883161315+12156883180

Best Life Insurance In Reading

Nestled in the picturesque setting of southeastern Pennsylvania, Reading boasts a rich tapestry of history, culture, and natural beauty. Renowned for its pivotal role in the early iron and steel industry, this city serves as the county seat of Berks County, offering a blend of historical landmarks and modern-day amenities. Visitors and residents alike enjoy exploring the Pagoda, an iconic symbol perched atop Mount Penn, and strolling along the scenic paths of the Reading Public Museum and its adjacent arboretum. With a vibrant community, flourishing arts scene, and numerous parks and recreation areas, Reading provides a charming mix of urban energy and rural tranquility.

1200 Broadcasting Rd # 1022395 Lancaster Pike
+16103754230+18445004542
Navistar IncAdvocate Insurance
1200 Broadcasting Rd # 102507 Madison Ave # 1
+16103754230+16106852804
1200 Broadcasting Rd # 1025035 Pottsville Pike
+16103754230+16109166190
1200 Broadcasting Rd # 1026 Hearthstone Ct #103
+16103754230+16107797112
1200 Broadcasting Rd # 1022447 Perkiomen Ave
+16103754230+16107799060
1200 Broadcasting Rd # 1021800 Hampden Blvd
+16103754230+16107505879
Navistar IncAdoniram Insurance
1200 Broadcasting Rd # 102500 Buttonwood St
+16103754230+16103710100
1200 Broadcasting Rd # 1021528 Birch St
+16103754230+14849268699
Navistar IncRichard I Hart Insurance Agency
1200 Broadcasting Rd # 1022447 Perkiomen Ave
+16103754230+14844080034
Navistar IncPennsylvania Insurance Group
1200 Broadcasting Rd # 1025 Hearthstone Ct # 106
+16103754230+12678415659
Navistar IncTSR Life Insurance
1200 Broadcasting Rd # 1023 Park Plaza #106
+16103754230+12232274471
Navistar IncKrystal Diguardi, Bankers Life Agent
1200 Broadcasting Rd # 1021105 Berkshire Blvd #330
+16103754230+16103721473

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Top Life Insurance Companies In Pennsylvania

For the residents of the great state of Pennsylvania, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.