The average funeral in Philadelphia costs $8,450 — well above the national average. Burial insurance gives Philadelphia families the financial protection they need, with no medical exam and premiums starting at just $15 per month.
Philadelphia is the largest city in Pennsylvania and the sixth-largest in the United States, home to over 1.6 million residents and the center of a metropolitan area of more than six million people. Known as the City of Brotherly Love, Philadelphia is a city of deep historical significance, world-class healthcare institutions, and neighborhoods as diverse as any in America. From the rowhomes of South Philly and Kensington to the tree-lined streets of Chestnut Hill and Mount Airy, Philadelphia families share a common need: financial protection against the rising cost of funerals.
Burial insurance — also known as final expense insurance — is a whole life insurance policy designed specifically to cover funeral costs, cremation, memorial services, and other end-of-life expenses. In Philadelphia, where the average funeral costs $8,450, having a burial insurance policy ensures your family is not left scrambling to cover these costs during an already difficult time.
Unlike traditional life insurance, burial insurance policies are smaller in coverage amount, typically ranging from $5,000 to $50,000, and are much easier to qualify for. Most Philadelphia residents aged 50 to 85 can get approved with no medical exam — just a few simple health questions over the phone. Premiums are locked in for life, meaning your rate will never increase regardless of changes in your health or age.
At Easy Burial Quote, we work with six or more A-rated insurance carriers to find Philadelphia families the most affordable burial insurance rates available. Whether you live in Northeast Philly, West Philadelphia, Germantown, or any other neighborhood in the city, our licensed agents can help you secure coverage in as little as 15 minutes over the phone.
Understanding funeral costs in Philadelphia is essential for proper end-of-life planning. Philadelphia funeral expenses run significantly higher than both the Pennsylvania state average and the national average due to the city's high cost of living and large urban market. Here is a detailed breakdown of what Philadelphia families can expect to pay:
These costs continue to rise each year, with funeral expenses in the Philadelphia metro area increasing by approximately 3-5% annually. A burial insurance policy purchased today locks in your coverage amount at current rates, providing a financial hedge against future cost increases. For a Philadelphia family, a $15,000 to $25,000 burial insurance policy is typically sufficient to cover a traditional funeral with all standard services.
Getting burial insurance in Philadelphia through Easy Burial Quote is a straightforward process that can be completed entirely over the phone. Here is how it works:
Pennsylvania has strong consumer protection laws for insurance buyers. The Pennsylvania Insurance Department oversees all insurance transactions in the state, and there is a free-look period that allows you to review your policy and cancel within 30 days for a full refund if you change your mind. This gives Philadelphia families extra peace of mind when purchasing burial insurance.
We also serve Philadelphia residents who prefer to communicate in Spanish. Our bilingual agents can walk you through the entire process in your preferred language, ensuring you fully understand your coverage options before making a decision.
Philadelphia families have many options when shopping for burial insurance, but there are several reasons why thousands of Pennsylvania residents trust Easy Burial Quote with their end-of-life planning:
Our mission is simple: help every Philadelphia family find affordable burial insurance so that no one has to worry about how funeral expenses will be paid. Call 888-260-EASY today and let us show you how affordable peace of mind can be.
Philadelphia is one of America's leading healthcare cities, home to world-renowned institutions like the Hospital of the University of Pennsylvania, Thomas Jefferson University Hospital, Temple University Hospital, and the Children's Hospital of Philadelphia. The city's medical infrastructure supports a large and growing senior population, with more than 15% of Philadelphia residents over the age of 65.
For Philadelphia's seniors, burial insurance offers several unique advantages:
Philadelphia's neighborhoods — from the Italian Market area to Olney's multicultural corridors to the historic African American communities of West and North Philadelphia — each have their own funeral traditions and trusted local providers. Easy Burial Quote respects these traditions by providing flexible coverage that works for every family's needs. Call 888-260-EASY to speak with a licensed agent who understands Philadelphia families.
Common questions about burial insurance in Philadelphia, PA
The average funeral in Philadelphia costs approximately $8,450 for a traditional service with burial. Cremation with a memorial service averages $6,180. When you include all expenses such as a casket, burial plot, headstone, and transportation, total costs in Philadelphia can reach $18,730 or more. These costs are significantly higher than both the Pennsylvania and national averages.
Yes. Most Philadelphia residents aged 50 to 85 qualify for simplified issue burial insurance, which requires no medical exam, blood test, or doctor visit. You simply answer a few basic health questions over the phone. Even if you have pre-existing conditions, guaranteed acceptance options are available with no health questions at all.
Burial insurance in Philadelphia typically costs between $15 and $125 per month, depending on your age, health, gender, and coverage amount. A healthy 65-year-old Philadelphia resident can often get $15,000 in coverage for around $40 to $60 per month. Rates are locked in for life and never increase.
No. Burial insurance proceeds paid to a named beneficiary are not counted as an asset for Pennsylvania Medicaid eligibility. This makes burial insurance an excellent planning tool for Philadelphia seniors who may need long-term care assistance while still ensuring their funeral expenses are covered.
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