Pennsylvania Term and Universal Life Insurance

Pennsylvania Life Insurance Resources

Survivorship Policies
Survivorship life insurance insures two people, usually a husband and wife, and provides a death benefit to the beneficiaries at the death of the second insured. These plans are primarily designed to provide cash for estate taxes or for business costs that must to be paid after both insureds have died.

Survivorship insurance contracts can be structured as ordinary life, graded premium life, or universal life policies. An important advantage of a Pennsylvania Term and Universal Life Insurance. survivorship contract is that its coverage costs less than the premiums for two separate policies with an total amount equal to the survivorship policy’s death benefit. More liberal underwriting means the policy can be written even if one party has significant health issues.

Pennsylvania Department of Insurance  – The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Pennsylvania Life insurance market..

Department of Insurance
Pennsylvania Life & Health Insurance Protection Association: The state life insurance guaranty association works to guarantee the safety of all Pennsylvania Life Insurance coverage, even in the face of an insolvency by a member life insurance company.

Life Insurance Guaranty Association


Pennsylvania Life Insurance Company Ratings: AM Best is the most prominent ratings company reviewing Pennsylvania Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies.
Life Insurance Carrier Ratings

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s Pennsylvania State Almanac
Our life insurance agents service all communities in Pennsylvania including:

  • Philadelphia
  • Pittsburgh
  • Allentown
  • Erie
  • Reading
  • Harrisburg

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