--- title: Life Insurance in Pennsylvania: Quotes and State Rules url: https://coverfolk.com/states/pennsylvania updated: 2026-10-08 --- # Life insurance in Pennsylvania Free quotes from licensed Pennsylvania agents, plus the state rules that protect you, in plain words. [Your rights](#rights) Updated October 8, 20266 sources[Fact checked](/editorial-standards) The short answer In Pennsylvania, you get at least 10 days to return a new life policy for a refund, a 31 day grace period if you miss a payment, and up to $300,000 of protection if your insurance company fails. ## Your rights in Pennsylvania Free look : 10 daysReturn a new policy for a full refund. Grace period : 31 daysCoverage stays on while you catch up. Safety net : $300,000Death benefit protection. Cash value: $100,000. State help line : [1-877-881-6388](tel:18778816388)Pennsylvania Insurance Department 10 days for individual life (40 P.S. 510c). 20 days if the policy replaces an existing one (31 Pa. Code 81.6(d)). * If a new policy replaces one you have, Pennsylvania gives you 20 days from delivery to return it for a refund (31 Pa. Code 81.6). ## Who lives in Pennsylvania About 13.1 million people live in Pennsylvania. We help people in Philadelphia, Pittsburgh, Allentown Bethlehem and the towns in between. **69.3%**of homes are lived in by the owner. Median value $254,500. **21.4%**of people are 65 or older **632,183**veterans live here **$77,971**median household income Census QuickFacts, American Community Survey 2020 to 2024. ## What people in Pennsylvania look for **Mortgage protection** With 69.3% of homes owned and a median value of $254,500, a lot of families want the house covered. [More on mortgage protection](/coverage/mortgage-protection) **Final expense** 21.4% of people here are 65 or older. A small policy keeps funeral costs off your family. [More on final expense](/coverage/final-expense) **Term life** The lowest price for the most coverage while the kids are young. [More on term life](/coverage/term-life) **Veterans** 632,183 veterans live in Pennsylvania. See what goes beyond VGLI. [More on veterans](/jobs/veterans) ## Common questions in Pennsylvania What is the free look period for life insurance in Pennsylvania? Pennsylvania gives you at least 10 days to review a new individual life policy and return it for a refund. 10 days for individual life (40 P.S. 510c). 20 days if the policy replaces an existing one (31 Pa. Code 81.6(d)). Source: [Pennsylvania free look law](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf) What happens if I miss a payment in Pennsylvania? Pennsylvania law gives at least a 31 day grace period. Your policy stays in force during the grace period. Pay before it ends to keep your coverage. Source: [Pennsylvania grace period law](https://cases.justia.com/federal/appellate-courts/ca3/16-1614/3012625727/0.pdf) What if my life insurance company goes out of business in Pennsylvania? The Pennsylvania Life & Health Insurance Guaranty Association steps in. It protects up to $300,000 in death benefits and $100,000 in cash value, per insured person, as of June 2025. Source: [Pennsylvania Life & Health Insurance Guaranty Association](https://www.palifega.org/) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-protected/) Who regulates life insurance in Pennsylvania? The Pennsylvania Insurance Department. You can call its consumer help line at 1-877-881-6388 or visit www.pa.gov/agencies/insurance to check an agent's license or file a complaint. Source: [Pennsylvania Insurance Department](https://www.pa.gov/agencies/insurance) Can I get a life insurance quote online in Pennsylvania? Yes. Coverfolk works with licensed agents in Pennsylvania. Answer a few questions, confirm your phone with a text code, and an agent shows you real prices. It is free. Source: [Pennsylvania Insurance Department](https://www.pa.gov/agencies/insurance) Are you a licensed agent? [Buy Pennsylvania life insurance leads on Dial Haul](https://dialhaul.com/states/pennsylvania/). ## Sources 1. [Census QuickFacts Pennsylvania (ACS 2020-2024)](https://www.census.gov/quickfacts/fact/table/PA/PST045224) 2. [NOLHGA: How You're Protected (coverage as of June 1, 2025)](https://nolhga.com/policyholders/how-youre-protected/) 3. [NOLHGA: Contact My Guaranty Association](https://nolhga.com/policyholders/contact-my-guaranty-association/) 4. [NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf) 5. [31 Pa. Code 81.6 (Justia)](https://regulations.justia.com/states/pennsylvania/title-31/part-iv/chapter-81/section-81-6) 6. [3rd Cir. opinion citing 40 P.S. 510(b) 31 day grace period](https://cases.justia.com/federal/appellate-courts/ca3/16-1614/3012625727/0.pdf) 7. [Pennsylvania Insurance Department](https://www.pa.gov/agencies/insurance) 8. [Pennsylvania Life & Health Insurance Guaranty Association](https://www.palifega.org/) This is a plain summary of state rules, not legal advice. Your policy and the law control. Call the Pennsylvania Insurance Department if you have a problem with a company or agent. Cities ## Life insurance in Pennsylvania cities Local income, home values and jobs for 3 Pennsylvania cities. [See all cities](/cities) [Philadelphia](/states/pennsylvania/philadelphia)[Pittsburgh](/states/pennsylvania/pittsburgh)[Allentown](/states/pennsylvania/allentown) [Final expense in Pennsylvania](/states/pennsylvania/final-expense)[Mortgage protection in Pennsylvania](/states/pennsylvania/mortgage-protection)[Funeral costs in Pennsylvania](/funeral-costs/pennsylvania)[En español](/es/estados/pennsylvania) Other states ## We also work in [**Arizona**AZ](/states/arizona)[**California**CA](/states/california)[**Florida**FL](/states/florida)[**Georgia**GA](/states/georgia)[**Illinois**IL](/states/illinois)[**Michigan**MI](/states/michigan)[**New Jersey**NJ](/states/new-jersey)[**New York**NY](/states/new-york)[**North Carolina**NC](/states/north-carolina)[**Ohio**OH](/states/ohio)[**Tennessee**TN](/states/tennessee)[**Texas**TX](/states/texas)