Final expense insurance in Pennsylvania

NFDA doesn't publish funeral prices by state. Nationally, the median cost of a funeral with viewing and burial was $8,300 in 2023, and $6,280 for a funeral with viewing and cremation. Cemetery costs such as a plot, vault, and headstone are extra, and prices vary widely between funeral homes.

In Pennsylvania, about 60.9% of deaths resulted in cremation as of 2024. Source: Pennsylvania Department of Health – Resident Deaths by Disposition and County, 2024

Federal law (the FTC Funeral Rule) requires funeral homes to give you an itemized price list, so you can compare. Estimate your own total with our funeral cost calculator.

If a life insurer licensed in Pennsylvania becomes insolvent, the Pennsylvania Life & Health Insurance Guaranty Association covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Pennsylvania Life & Health Insurance Guaranty Association – Frequently Asked Questions

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund (20 days if the policy replaces coverage from a different insurer; 45 days if it replaces a policy or annuity from the same insurer or insurer group). Source: 40 P.S. § 510c – Notice of policyholder's right to examine life insurance policies (FindLaw)

Questions or complaints about an insurer or agent go to the Pennsylvania Insurance Department (1-877-881-6388). Funeral homes are licensed by the Pennsylvania State Board of Funeral Directors.

The Pennsylvania Department of Human Services can pay toward burial or cremation for people who received SSI or DHS cash assistance before death; the local County Assistance Office decides eligibility, and the funeral director must be registered with DHS. Source: Pennsylvania Department of Human Services – Burial and Cremation Services Payment

Veterans may qualify for VA burial allowances and a free burial in a national or state veterans cemetery — see benefits for Pennsylvania veterans. A small final expense policy is one way families make sure the rest is covered; learn how final expense insurance works and how guaranteed issue waiting periods work.