Affordable Burial Insurance in Pennsylvania [Nov 2022]


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Burial insurance in Pennsylvania

Most people in Pennsylvania don’t realize that they need burial insurance until it’s too late. By the time they realize they need it, they’re often facing an unexpected funeral expense that they can’t afford. 

When you die, your loved ones are left to deal with not only their grief but also the financial burden of your final expenses. This can be an overwhelming task, especially if you don’t have burial insurance. 

Affordable Burial insurance in Pennsylvania is a type of whole life insurance that gives you and your family peace of mind by knowing that your final expenses are covered. It’s an affordable way to make sure your loved ones are not burdened financially when you die. 

In Pennsylvania, there are many options for affordable burial insurance. This article will help you understand the different types of burial insurance and how to find the best policy for you and your family.

What Is Burial Insurance in Pennsylvania

Burial Insurance in Pennsylvania is a type of life insurance that pays for your final expenses, such as your funeral, cremation, and other end-of-life costs. It’s an affordable way to make sure your loved ones are not burdened financially when you die. 

There are two main types of burial insurance:

1) Whole life insurance

2) Term life insurance.

  • Whole life insurance policies are more expensive but they last your entire life and build cash value over time.
  • Term life insurance policies are less expensive but they only last for a set period of time, usually 10-20 years. 

Burial insurance is available from a number of different insurers from Philadelphia to Pittsburg, and the coverage and costs can vary depending on the insurer and the policy.

Some policies may only cover the cost of your funeral, while others may also cover other final expenses, such as outstanding debts or medical bills.

If you’re a resident of Pennsylvania, you may be wondering if burial insurance is right for you. 

Here’s what you need to know about burial insurance in Pennsylvania.

Burial insurance is not currently regulated by the Pennsylvania Insurance Department. However, the department does have resources available to help consumers understand and purchase burial insurance.

The Pennsylvania Insurance Department recommends that consumers shop around for the best policy for their needs and budget. It’s also important to read the policy carefully so you understand what it covers and doesn’t cover.

When shopping for burial insurance, be sure to compare the costs and coverage of different policies. Burial insurance policies can vary significantly in cost and coverage, so it’s important to find the policy that’s right for you.

How Does Pennsylvania Burial Insurance Policy Work

An insurance policy for burial is a small, whole-life policy without a requirement for a medical exam to qualify. This type of insurance is suitable for seniors of any age regardless of pre-existing medical conditions.

There are some policies with no health questions and guarantee approval. They typically have minimal underwriting, in which your eligibility depends on your answers to a few health questions. Most insurance companies offer coverage amounts that range between $2,000 and $40,000.

There is no difference between a burial insurance policy and a funeral insurance policy or a final expense insurance policy.

In comparison to a whole life insurance policy, final expense life insurance does not increase monthly premiums or decrease coverage, as it is a whole life insurance policy. As well as building cash value, this policy never expires.

It is ultimately your loved ones who will benefit from your policy death benefit payment. This provides them with the funds they need to fulfill your final wishes. Additionally, you can choose to have the money paid to the funeral home. Remember, the money can be spent in any way you choose.

What Are The Benefits of Pennsylvania Burial Insurance

Life insurance with these plans is a good option for people who want to avoid paying high premiums, as well as not leaving their loved ones with a financial burden. An insurance policy covering final expenses can provide the following benefits:

Affordable monthly premiums:

Policies are priced competitively, and there are no hidden fees or unexpected charges. The whole process is simple, easy, and hassle-free – you can get started with a single premium payment at any time during the year.

Coverage from $2,000 up to $,40000:

You can choose from the following coverage amounts: $2,000 up to $10,000 for funeral expenses; $5,000 up to $20,000 for burial expenses; and $10,000 up to $40,000 for both funeral and burial expenses.

There are also optional coverage options available if you wish to cover more than one person with your policy.

Guaranteed Acceptance for ages 45 to 85: 

The guaranteed acceptance period means that your insurer will pay all funeral expenses regardless of how much they cost – even if they exceed the amount you’ve paid into the policy so far!

You don’t need any medical exam or health questions asked before accepting this policy.

No medical examination is required:

The policy is not subject to any medical examination, which means that there is no requirement for any pre-existing conditions or health questions.

This means that you can buy affordable burial insurance in Pennsylvania without having to worry about any previous health issues or illnesses.

No health questions asked:

You will not be asked any questions regarding your health when purchasing the policy, which means that you can rest easy knowing that your loved ones will be taken care of properly.

Pre-existing health issues:

The policy does offer coverage for people with pre-existing conditions, which means that if someone you know has a history of heart problems or cancer, they will be covered under this policy and will receive the same benefits as everyone else who purchases it.

Premiums remain the same guaranteed:

The premiums on this policy are guaranteed to remain the same throughout each year of coverage, meaning that if you purchase it today, it will still cover your family members’ burials in 20 years time at today’s rates!

Cash value is built over time:

Burial insurance builds up cash value over time so that when it is needed, there will be funds available to pay for funeral expenses and other important costs associated with losing a loved one unexpectedly or due to an accident or illness.

Pennsylvania Guaranteed Life Insurance

No health questions are asked for guaranteed life insurance for seniors. Burial policies can even be purchased by people with preexisting medical conditions. 

Nevertheless, if the insured person survives the waiting period for death benefits, the policy may only refund previous payments or pay a portion of the face value to beneficiaries. 

A simplified issue policy asks fewer health questions, is cheaper, has an immediate death benefit, and may offer more benefit selections. Some of these policies are even available to people over 80 who are relatively healthy.

Pennsylvania Free Look Period:

In Pennsylvania, you have a maximum of 10 days to look over your policy and make changes to it. Get in touch with your insurance agent if you do not understand anything.

As part of the “free look period,” you will have the opportunity to explore your policy before making a decision. 

If you’re not happy with it for any reason, you can cancel it and receive a full refund of your premium. This gives you peace of mind knowing that you’re not locked into a policy that isn’t right for you or your family.

Pennsylvania’s top causes of death

In Pennsylvania, cancer and accidents are the top causes of death before heart disease, despite the fact that heart disease is also the leading cause of death.

Here are the top 10 causes of death in Pennsylvania, as compiled by the Centers for Disease Control (CDC):

  1. Heart disease
  2. Cancer
  3. Chronic lower respiratory disease
  4. Accidents
  5. Stroke
  6. Alzheimer’s disease
  7. Diabetes
  8. Kidney disease
  9. Septicemia
  10. Flu/pneumonia

Affordable Burial Insurance in Pennsylvania

If you’re looking for an affordable way to cover your family’s final expenses, affordable burial insurance in Pennsylvania is a great option.

With its competitive prices and guaranteed acceptance, it’s a policy that everyone can afford.

And with its many benefits, it’s a policy that will give you peace of mind knowing that your loved ones are taken care of.

Pennsylvania Burial Expectations

A person’s funeral and/or cremation can be planned differently by each state. Like the difference between California and New York.

Some counties may have burial restrictions, which may affect where a person is buried.

Death Certificates

You need a death certificate if someone dies. In addition to stating the place of death, the death certificate includes the person’s occupation, age, and race.

It is easiest to obtain the original death certificate from the funeral home. Coroners and other medical professionals must sign off on the death certificate.

Embalming and Preservation

The body of a dead person in Pennsylvania must be preserved after 24 hours of death.

There is no legal requirement to embalm a deceased person unless a public viewing occurs more than 24 hours after death.

The body can be viewed privately with close family at any time, but it must be refrigerated after 24 hours.

Funeral Basics

Doctors or hospice care providers will confirm the death. If the deceased had a terminal illness, call the doctor or hospice provider. In the event of sudden death, dial 911.

Call the funeral director within 24 hours of the death to arrange transport. Decide how the deceased’s remains will be handled. In most cases, it’s burial or cremation.

In the state of Pennsylvania and Virginia, there is no requirement to bury a person in a coffin. Each burial ground may have specific rules.

If you choose to bury your body/casket in a cemetery, your funeral director can discuss viewing options. You don’t need to purchase a vault from the funeral home. A cemetery may require a vault.

Cremation

The cremation procedure does not require embalming, however, you will need a cremation container. You can also cremate following a death within 24 hours under state law.

How Much Does Burial Insurance Cost in Pennsylvania?

The cost of burial insurance varies depending on the insurer, the policy, and your age, gender, health, and lifestyle. However, policies typically start at around $30 per month.

Insurer: The insurer you choose will affect the cost of your policy. It’s important to compare the costs and coverage of different insurers before you purchase a policy.

Policy: The type of policy you choose will also affect the cost of your coverage. Whole-life policies tend to be more expensive than term-life policies, but they last your entire life and build cash value over time.

Age, Gender: Your age and gender will also affect the cost of your policy. Younger people tend to pay less for life insurance than older people. And, in general, men tend to pay more for life insurance than women.

Health: Your health is another factor that will affect the cost of your policy. If you have a pre-existing medical condition, you may pay more for life insurance.

Lifestyle: Your lifestyle choices, such as whether you smoke or have a risky job, can also affect the cost of your policy.

Pennsylvania Statistics on Burial Insurance

  • The average lifespan of a PA is 78.5 years
  • In Pennsylvania, funerals and burials typically cost more than $8,093
  • PA cremation packages range from less than $695 to more than $2,495

Families are often required to incur additional expenses to hold a service even though cremations cost a lot less than traditional burials. 

Final expense burial policies may provide your family with enough money to pay for a dignified funeral, as well as for travel expenses, meals, and other funeral expenses.

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.

It also includes;

  1. Burial
  2. Casket
  3. Funeral Home Services
  4. Transportation
  5. Other final expenses, such as outstanding debts or medical bills

Burial insurance policy coverage can vary depending on the insurer and the policy, so it’s important to read the policy carefully to understand what is and isn’t covered.

Why InsuranceForBurial.com Is Best For You

There are so many companies offering burial insurance that it is easy for you to find one. The problem is that most companies exist only to make life easier for themselves and their agents.

The three biggest reasons why BurialForInsurance is best equipped to serve your burial insurance needs in Pennsylvania are as follows: we are different. Our company and processes are structured in a way to serve your interests.

  1. As an independent agency, we represent a wide range of insurance companies. No one insurance company can meet the needs of every individual, which is why it’s critical to have options. If you require a final expense company, we can match you with one that best meets your needs.
  2. Our sole focus has been final expense life insurance for more than a decade. We don’t sell anything else. We specialize in final expense insurance.
  3. It is our goal to ensure that what we recommend is the best option for you based on what you need.

Conclusion

Affordable burial insurance in Pennsylvania is an important type of life insurance for Pennsylvanians that can help your loved ones cover the costs of your funeral and other final expenses.

If you’re a Pennsylvania resident, there are a number of things to consider when purchasing a policy, including the cost, coverage, and insurer.

InsuranceForBurial.com can help you compare policies and find the best option for your needs. Contact us today to learn more.