Life insurance by state · PA
Life insurance in Pennsylvania
What Pennsylvania law gives you, which carriers quote in Pennsylvania, and how to get covered — from an independent agency licensed in Pennsylvania.
The short answer
Pennsylvania residents can choose from 11 final expense and 15 term life carriers we work with that quote in Pennsylvania. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Pennsylvania
| Regulator | Pennsylvania Insurance Department |
|---|---|
| Free-look period | Typically at least 10 days · 45 days when the policy replaces one from the same insurer or insurer group; 20 days when it replaces one from a different insurer (Insurance Company Law of 1921 § 410D(a)(2)-(3), 40 P.S. § 510c) |
| Guaranty association | Pennsylvania Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: yes — For deaths on or after December 13, 1982, all life insurance policies on the decedent's life — whether payable to the estate or to a named beneficiary — are exempt from Pennsylvania inheritance tax (72 P.S. §9111(d)). |
Good to know in Pennsylvania
- If a Pennsylvania death benefit isn't paid within 30 days of satisfactory proof of death, it earns interest from the date of death at the insurer's rate on proceeds left on deposit (Insurance Company Law of 1921 § 411B; variable policies excluded). Source
- The Pennsylvania Insurance Department points families to the NAIC Life Insurance Policy Locator to find a deceased relative's policy. Source
Carriers we work with that quote in Pennsylvania
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Pennsylvania results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Pennsylvania
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Pennsylvania carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Pennsylvania. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Pennsylvania — FAQ
How long is the free-look period for life insurance in Pennsylvania?
New individual life insurance policies sold in Pennsylvania typically give you at least 10 days to review the policy and cancel for a full refund (45 days when the policy replaces one from the same insurer or insurer group; 20 days when it replaces one from a different insurer (Insurance Company Law of 1921 § 410D(a)(2)-(3), 40 P.S. § 510c)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Pennsylvania?
The Pennsylvania Life & Health Insurance Guaranty Association protects Pennsylvania residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Pennsylvania?
The Pennsylvania Insurance Department. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Pennsylvania by phone?
Yes. United Eagles Financial is licensed for life insurance in Pennsylvania; most applications are done by phone or video with an electronic signature.