Senior Rate Registry
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Pennsylvania Senior Rate Registry

State-regulated final expense insurance rates for Pennsylvania residents.

Last Updated: September 07, 2026

State Regulator 🏛️ Pennsylvania Insurance Department →
Avg. Funeral Cost $9,100

⚡ Pennsylvania Instant Rate Estimator ($10,000 Coverage)

Recommended coverage to meet the $9,100 Pennsylvania funeral cost average

Verified 2026

Step 1: Select your age group to view estimated monthly rates for $10,000 coverage in Pennsylvania:

⚡ Key Takeaways — Pennsylvania Senior Life Rates
  • Local Funeral Cost: The average funeral in Pennsylvania costs $9,100, which can be fully covered by a state-regulated final expense plan.
  • Regulator Oversight: All plans and premiums are filed with the Pennsylvania Insurance Department to ensure level lifelong premiums.
  • No Medical Exam: Seniors ages 50–85 can secure coverage through simple health questions with zero physical exams.
  • Immediate Coverage: Qualified Pennsylvania applicants can access Day-1 level death benefit protection.

Burial Insurance in Pennsylvania

Pennsylvania has a population of approximately 12,877,774 residents, with an estimated 1,931,666 residents age 65 or older. We provide rate information for 270 cities across the state.

All burial insurance policies in Pennsylvania are regulated by the Pennsylvania Insurance Department, ensuring consumer protection and fair pricing. The average funeral cost in Pennsylvania is $9,100, which can be fully covered by a final expense policy.

Final expense insurance in Pennsylvania offers:

  • No medical exam required – Most plans approve applicants ages 50-85 with just a few health questions
  • Permanent coverage – Your premium never increases and your benefit never decreases
  • Same-day approval – Many carriers offer instant decisions for qualified applicants
  • State-regulated rates – All carriers must file rates with the Pennsylvania Insurance Department
⚰️ Pennsylvania Funeral & Cremation Cost Guide (2026)
Statewide funeral average: $9,100 • See city-by-city breakdowns across all 270 Pennsylvania cities
View Pennsylvania Funeral Guide →

Frequently Asked Questions in Pennsylvania

What is the average cost of a funeral in Pennsylvania?

The average cost of a funeral in Pennsylvania is $9,100. This includes traditional burial services, casket, and basic services, which can be fully covered by a state-regulated final expense policy.

Do burial insurance policies in Pennsylvania have waiting periods?

State-regulated final expense plans in Pennsylvania offer both immediate (Day 1) coverage options with no medical exam for qualified applicants, as well as graded or modified benefit plans that have a waiting period depending on health history.

How do state-regulated final expense programs work in Pennsylvania?

All final expense and burial insurance policies in Pennsylvania must file their rates and rules with the Pennsylvania Insurance Department. This ensures that premiums are locked in for life and policies cannot be canceled due to changes in age or health.

Browse Rates by City in Pennsylvania

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