Final Expense Insurance in Pennsylvania
Help comparing final expense, burial and whole life insurance for Pennsylvania residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Pennsylvania residents
Pennsylvania funds a network of county Area Agencies on Aging that is among the most developed in the country, so Pennsylvanians planning for end-of-life costs have good local help close at hand. What those agencies do not do is sell insurance, and that is where we come in.
We help residents of Philadelphia, Pittsburgh and every county in between compare final expense, burial and whole life policies by phone, with the cost, the waiting period and the fine print explained before you apply.
Our office is in Atlanta, Georgia, and we work with Pennsylvania families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Pennsylvania
Life insurance sold in Pennsylvania is overseen by the Pennsylvania Insurance Department, 1-877-881-6388. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
In Pennsylvania the refund provision printed in your policy sets how long you have to return it. A policy that replaces an existing one gives you the right to an unconditional refund within 20 days of delivery under the state’s replacement regulation (31 Pa. Code section 81.6). Check the front page of your policy for the period that applies.
Cities we serve in Pennsylvania
We have written a page for each of these Pennsylvania cities with the local offices families need when a death happens: Philadelphia, Pittsburgh. Residents of other Pennsylvania towns are just as welcome to call.
What Pennsylvania families usually ask us
- How much do I need? Ask funeral homes near you for their General Price List and add the bills you expect to leave. Our guide to working out a coverage amount walks through the steps.
- Who receives the money? The beneficiary you name, in cash. They can use it for the funeral, medical bills or anything else. See naming a beneficiary and how a claim works.
- Can I qualify with my health history? Often yes. Depending on your answers to a few health questions you may be offered full coverage from the first day, a policy with a waiting period, or a guaranteed issue policy that asks no health questions.
Pennsylvania resources for planning ahead
- Pennsylvania Department of Aging: programs and the local Area Agency on Aging for older residents and caregivers.
- Pennsylvania Department of Health, Division of Vital Records: how to order certified death certificates, which a beneficiary needs to make a claim.
- Pennsylvania Insurance Department, 1-877-881-6388: consumer help and complaints about an insurance company or agent.
- Pennsylvania State Board of Funeral Directors: the state body that licenses funeral directors and handles complaints about funeral providers.
- PA 211, dial 2-1-1 or text your ZIP code to 898-211: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Pennsylvania.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.