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.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.23 | $16.92 | $14.04 | $16.22 |
| 25 | $15.63 | $18.37 | $14.75 | $17.28 |
| 30 | $17.66 | $19.74 | $16.54 | $18.72 |
| 35 | $18.81 | $21.80 | $17.33 | $20.82 |
| 40 | $21.10 | $25.25 | $19.69 | $23.49 |
| 45 | $24.05 | $29.08 | $22.56 | $27.22 |
| 50 | $27.95 | $33.32 | $24.62 | $31.45 |
| 55 | $32.22 | $39.76 | $27.87 | $37.15 |
| 60 | $39.30 | $47.31 | $33.21 | $42.08 |
| 65 | $48.63 | $58.35 | $41.35 | $50.92 |
| 70 | $60.37 | $71.56 | $52.86 | $60.70 |
| 75 | $97.44 | $133.20 | $71.01 | $94.66 |
| 80 | $134.39 | $182.64 | $98.02 | $135.86 |
| 85 | $188.13 | $257.96 | $131.67 | $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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Pete Chylinski @ Asset Protection Ltd | Between Brown &, 1311 W 26th St, Elmwood Ave | +18148603101 |
| David Curtis, Bankers Life Agent | 3939 W Ridge Rd Ste B8 # B7 | +18148338300 |
| Caitlin Erb, Bankers Life Agent | 3939 W Ridge Rd Ste B8 # B7 | +18148338300 |
| US Fidelity Financial | 1703 Sunrise Lakes Dr Suite 2B | +18145408288 |
| Alexander Confer, Bankers Life Agent | 3939 W Ridge Rd Ste B8 # B7 | +18148338300 |
| Burick Insurance Agency | 4603 Wattsburg Rd | +18148253660 |
| Biff Springer – State Farm Insurance Agent | 4546 W Ridge Rd | +18148367717 |
| Lafaro Insurance Agency LLC | 4627 Peach St | +18148665528 |
| Historic Square Agency LLC | 3731 W 26th St | +18148353743 |
| John Wenslow | 4509 W Ridge Rd | +18148819041 |
| Runstedler Life & Retirement | 4114 Peach St | +18149206895 |
| Villarreal Life Insurance of Erie | 1403 W 35th St | +18146167687 |
| Bankers Life | 3939 W Ridge Rd Ste B8 # B7 | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| ZAI Agency, LLC. | 322 North Shore Drive Building 1B, Suite 200 | +14124369102 |
| Louis Reardon, Bankers Life Agent | 3 Parkway Center, 875 Greentree Rd Ste 100 | +14127330011 |
| James Edwell, Bankers Life Agent | 3 Parkway Center, 875 Greentree Rd Ste 100 | +14127330011 |
| Neda Marjanovic, Bankers Life Agent | 3 Parkway Center, 875 Greentree Rd Ste 100 | +14127330011 |
| Pittsburgh Insurance Agents | 1040 5th Ave | +14124859762 |
| Life Now Insurance Group | 170 Jamison Ln 2nd Floor, Unit E | +14129460789 |
| Prudential | Janis Sabol | Life Insurance & Financial Services | 1001 Ardmore Blvd | +14124919389 |
| Schmidt & Hanley Ins Agency | 3559 Bigelow Blvd Suite 200 | +14128054657 |
| Preston & Grafton Insurance Agency | 2008 Murray Ave | +14125867340 |
| Theodore Ackerson, Financial Professional – New York Life | 225 W Station Square Dr Suite 300 | +14123923600 |
| Mutual Smart Insurance Co | 381 Mansfield Ave #400 | +16104778476 |
| Prime Guard Insurance Co. | 108 Third Ave | +18142016510 |
| Lead Insurance PA | Liberty Bank Building, 6101 Penn Ave #201 | +15702317340 |
| Zachary Thielet, Bankers Life Agent | 750 Holiday Dr Ste 420 | +14127330011 |
| Prudential | Doug Comin | Life Insurance & Financial Services | 1001 Ardmore Blvd | +17246894969 |
| Michael Suley, Bankers Life Agent | 750 Holiday Dr Ste 420 | +14127330011 |
You Won't Find A Lower Rate
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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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| American Insurance Planners, Inc | 5100 Tilghman St # 255 | +15707548624 |
| Shield Insurance Group | 425 Allentown Dr | +16105412041 |
| Heritage Insurance Group | 4101 Tilghman St | +14843504504 |
| Elizabeth Yost, Bankers Life Agent | 5000 Tilghman St Ste 310 | +16103360859 |
| Extreme One Insurance Inc | 501 N 17th St #115 | +17243024169 |
| Katelyn Gregory, Bankers Life Agent | 5000 Tilghman St Ste 310 | +16103360859 |
| Kressler Wolff & Miller | 2233 Walbert Ave | +16104354751 |
| Miers Insurance | 615 Waterfront Dr | +16107977900 |
| Prudential | Gregory Penny | Life Insurance & Financial Services | 1011 Brookside Rd #220 | +16103919805 |
| Prudential | Michael Anthony | Life Insurance & Annuities | 1440 Keystone Rd | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| American Insurance Community Group | 1650 Market St #3600 | +18883161315 |
| Insurephilly.com | 12325 Academy Rd | +12156377621 |
| Johnson Insurance Agency | Market St | +14845227697 |
| Jack Life Insurance | 3877 Dungan St | +12156428015 |
| Jack Life Insurance | 555 Diamond St | +12677655749 |
| Farmers Insurance – Vita Walker | 1525 W Dauphin St | +12154163407 |
| MPS Insurance Agency (Life Insurance and Annuities) | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Navistar Inc | 1200 Broadcasting Rd # 102 | +16103754230 |
| Good Life Insurance Associates | 2395 Lancaster Pike | +18445004542 |
| Advocate Insurance | 507 Madison Ave # 1 | +16106852804 |
| CrossKeys Insurance Inc | 5035 Pottsville Pike | +16109166190 |
| Reich Insurance, Inc. | 6 Hearthstone Ct #103 | +16107797112 |
| Berks County Insurance Group, Inc. | 2447 Perkiomen Ave | +16107799060 |
| United Insurance LLC | 1800 Hampden Blvd | +16107505879 |
| Adoniram Insurance | 500 Buttonwood St | +16103710100 |
| Prestige Insurance Solutions | 1528 Birch St | +14849268699 |
| Richard I Hart Insurance Agency | 2447 Perkiomen Ave | +14844080034 |
| Pennsylvania Insurance Group | 5 Hearthstone Ct # 106 | +12678415659 |
| TSR Life Insurance | 3 Park Plaza #106 | +12232274471 |
| Krystal Diguardi, Bankers Life Agent | 1105 Berkshire Blvd #330 | +16103721473 |
You Won't Find A Lower Rate
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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 Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- 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 Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
