Best Life Insurance in Pennsylvania for 2025 (Your Guide to the Top 10 Companies)

The best life insurance in Pennsylvania comes from AIG, State Farm, and AARP, with AIG offering the lowest term rates at $22 per month. State Farm excels in customer service, while AARP provides exclusive member benefits.

This article breaks down life insurance classifications, cost comparisons, and key factors to help you choose the best provider in Pennsylvania.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	12%	A	Financial Stability	AIG
	#2	17%	A++	Customer Service	State Farm
	#3	10%	A++	Member Benefits	AARP
	#4	12%	A++	Custom Policies	MassMutual
	#5	10%	A+	Health Rewards	Prudential
	#6	8%	A+	Affordable Coverage	Mutual of Omaha
	#7	12%	A++	Employer Plans	Guardian Life
	#8	10%	A++	Loyalty Rewards	Northwestern Mutual
	#9	15%	A++	Legacy Planning	New York Life
	#10	10%	A+	Active Lifestyle	Lincoln Financial

Whether you need budget-friendly term insurance or a whole-life policy with permanent value, this guide will assist you in making a well-informed choice.

Our quote comparison tool will allow you to shop for affordable Pennsylvania life insurance rates from the top companies near you — just enter your ZIP code to get started.

What You Should Know

• AIG and State Farm are the top picks for best life insurance companies in Pennsylvania
• Term life insurance starts at $22 per month, while whole life offers lifelong coverage at $50 monthly
• Pennsylvania life insurance laws provide free-look periods to find affordable coverage

#1 – AIG: Top Overall Pick

Pros

• Reliable Provider: Based on our AIG insurance review, the company's long-standing financial reputation makes it a dependable choice for the best life insurance in Pennsylvania.
• Policy Variety: Customers can select term, whole, and universal life insurance, providing flexible options for Pennsylvania's best life insurance.
• Bundling Discount: Policyholders can get great savings on the best life insurance in Pennsylvania, through bundling discount available when they combine their policies.

Cons

• Limited Online Features: AIG’s website and digital tools are not as advanced, making it less convenient to manage the best life insurance in Pennsylvania.
• Slower Claims Process: Some policyholders report delays in processing claims, which can be frustrating when dealing with the best life insurance in Pennsylvania.

#2 – State Farm: Best for Customer Service

Pros

• Personalized Support: As per our State Farm insurance review, they offer local agents who provide hands-on assistance, making it a customer-centered option for the best life insurance in Pennsylvania.
• Bundling Savings: Customers save on their overall costs by paying for the best life insurance in Pennsylvania, with a bundling discount of 17%.
• Flexible Policies: A wide range of term and whole life insurance options allows customers to find the right fit for the best life insurance in Pennsylvania.

Cons

• Medical Exam Requirement: Some policies require a medical exam, which may be inconvenient for those seeking quick approval for the best life insurance in Pennsylvania.
• Limited Online Tools: State Farm’s digital resources are not as robust as competitors, making it harder to manage the best life insurance in Pennsylvania online.

#3 – AARP: Best for Member Benefits

Pros

• Exclusive Benefits: AARP members gain access to unique perks and competitive pricing when choosing the best life insurance in Pennsylvania.
• No Medical Exam: Many AARP life insurance policies do not require a medical exam, making it easier to obtain coverage for the best life insurance in Pennsylvania.
• Simple Enrollment: Getting the best life insurance in Pennsylvania is easy with their simple application process, designed to be quick and trouble-free.

Cons

• Membership Requirement: AARP life insurance is available to members only, which may limit access to the best life insurance options in Pennsylvania.
• Lower Coverage Amounts: Some policies have lower benefit limits, which may not be enough for those needing higher payouts from the best life insurance in Pennsylvania.

#4 – MassMutual: Best for Custom Policies

Pros

• Customizable Policies: MassMutual offers flexible coverage options, allowing policyholders to get the best life insurance in Pennsylvania to their specific needs.
• Strong Dividend Payouts: Some whole life policies include dividend payments, providing additional value for the best life insurance in Pennsylvania.
• Bundling Discount: A 12% bundling discount helps policyholders save money on the best life insurance in Pennsylvania. (Read more: Whole vs. Universal Life Insurance)

Cons

• Strict Underwriting: Some policies require extensive medical exams, which may make it harder to qualify for the best life insurance in Pennsylvania.
• Longer Approval Times: The application process can take longer than competitors, delaying coverage for the best life insurance in Pennsylvania.

#5 – Prudential: Best for Health Rewards

Pros

• Health Rewards Program: Prudential offers incentives for healthy living, making it a great choice for the best life insurance in Pennsylvania.
• High Coverage Limits: According to our Prudential review, customers can get a larger policy for strong financial protection with the best life insurance in Pennsylvania.
• Flexible Payment Choices: Policyholders can pick from different payment plans, making it easier to manage the cost of life insurance in Pennsylvania.

Cons

• Confusing Policy Terms: Some policies have many details that can be hard to understand when picking the best life insurance in Pennsylvania.
• Potentially Higher Costs: Certain plans may have higher premiums compared to competitors, making affordability a concern for the best life insurance in Pennsylvania.

#6 – Mutual of Omaha: Best for Affordable Coverage

Pros

• Affordable Coverage: Mutual of Omaha offers budget-friendly prices, making it a great choice for the best life insurance in Pennsylvania.
• Simplified Issue Policies: Some policies do not require a medical exam, allowing for quick and easy approval for the best life insurance in Pennsylvania.
• Strong Customer Support: Customers get strong customer service, ensuring a smooth experience with the best life insurance in Pennsylvania. (Read more: Best Life Insurance Companies That Cover People Denied by Other Life Insurance Companies)

Cons

• Lower Bundling Discount: The 8% bundling discount is lower than what some other companies offer for the best life insurance in Pennsylvania.Pennsylvania.
• Limited Policy Riders: Some customization options may be restricted, reducing flexibility with the best life insurance in Pennsylvania.

#7 – Guardian Life: Best for Employer Plans

Pros

• Employer-Based Coverage: Guardian provides best group life insurance options, making it ideal for workplace benefits and the best life insurance in Pennsylvania.
• Living Benefits: Some policies allow access to benefits while still alive, adding extra financial security with the best life insurance in Pennsylvania.
• Top-Tier Financial Strength: Guardian has an A++ rating, meaning you can depend on stable and secure life insurance in Pennsylvania.

Cons

• Difficult to Qualify: Some policies have strict requirements, so getting approved for life insurance in Pennsylvania can be tough.
• Fewer Individual Policy Options: Guardian focuses on employer-based plans, limiting choices for those seeking personal coverage with the best life insurance in Pennsylvania.

#8 – Northwestern Mutual: Best for Loyalty Rewards

Pros

• Loyalty Rewards: Long-term policyholders can benefit from Northwestern Mutual’s reward programs, enhancing the value of the best life insurance in Pennsylvania.
• Strong Cash Value Growth: Whole life policies accumulate cash value over time, offering financial flexibility with the best life insurance in Pennsylvania.
• Bundling Discount: A 10% bundling discount allows for additional savings on the best life insurance in Pennsylvania. (Read more: Term vs. Whole Life Insurance: How to Choose the Best Option)

Cons

• Limited Online Quotes: Customers must speak with an agent to get pricing, which may slow down the process of securing the best life insurance in Pennsylvania.
• Higher Policy Minimums: Some plans require larger initial investments, making them less accessible for those seeking the best life insurance in Pennsylvania.

#9 – New York Life: Best for Legacy Planning

Pros

• Legacy Planning: New York Life helps you set up financial plans to protect your family’s future, making it a top choice for the best life insurance in Pennsylvania.
• Customizable Coverage: Policyholders can personalize their policies to meet their financial objectives and family requirements, highlighting the benefits of buying life insurance for long-term security.
• Strong Policy Options: They offer a variety of life insurance policies, including term, whole, and universal life, giving you more choices for the best life insurance in Pennsylvania.

Cons

• Lengthy Application Process: Some policies require extensive underwriting, which can delay approval for the best life insurance in Pennsylvania.
• Higher Initial Premiums: New York Life’s whole life policies may have higher starting costs compared to other providers offering the best life insurance in Pennsylvania.

#10 – Lincoln Financial: Best for Active Lifestyle

Pros

• Healthy Lifestyle Discounts: Lincoln rewards policyholders who stay active and healthy, making it a smart choice for the best life insurance in Pennsylvania.
• Flexible Coverage Options: Choose from different term lengths to get coverage that fits your needs with the best life insurance in Pennsylvania.
• Strong Financial Stability: Lincoln has an A+ rating, ensuring reliable coverage for the best life insurance in Pennsylvania.

Cons

• Medical Exams Required: Many policies require a medical exam, which can slow down the process for those wanting quick approval with the best life insurance in Pennsylvania.
• Complex Policy Terms: Some policies have complex details that may be hard to understand when picking the best life insurance in Pennsylvania.

Comparing Life Insurance Costs in Pennsylvania

Finding the best life insurance in Pennsylvania requires comparing costs and coverage options from top providers. The table below highlights the average monthly cost of life insurance in Pennsylvania for term and whole-life policies from leading insurers.

Insurance Company	Term Policy	Whole Policy
	$24	$50
	$22	$45
	$30	$60
	$29	$58
	$32	$65
	$25	$53
	$33	$66
	$35	$68
	$37	$70
	$27	$55

Term life insurance rates begin as low as $22 monthly with AIG, making it an affordable choice for individuals looking for cheap life insurance in Pennsylvania.

Whole life insurance, which covers one's lifetime, begins at $45 monthly with AIG and increases to $70 monthly with Prudential. If you're deciding which is better, term or whole life insurance, consider that whole life policies offer cash value accumulation but come with higher premiums.

Be sure to check Pennsylvania life insurance laws, including the free-look period, grace period, and contestability rules, to understand your rights before making a final decision.

Life Insurance Coverage Types in Pennsylvania

When considering life insurance in Pennsylvania, it's important to understand varying coverage plans. Whether you need short-term protection or lifelong financial security, choosing the most appropriate policy can make a significant difference.

• Term Life Insurance: Provides affordable coverage for a set period with no cash value. AIG and Mutual of Omaha stand out in Pennsylvania, offering competitive rates starting at $22 and $25 per month, respectively.
• Whole Life Insurance: Offers lifelong protection with cash value accumulation. Prudential and New York Life lead in Pennsylvania, with comprehensive whole-life policies starting at $70 and $66 per month.
• Universal Life Insurance: Features flexible premiums and cash value growth. Lincoln and MassMutual are top choices, offering strong policy options with financial stability.
• Variable Life Insurance: Provides investment opportunities within a permanent policy. Guardian and Northwestern Mutual excel in Pennsylvania, offering strong investment-focused plans.
• Final Expense Insurance: This insurance policy pays for end-of-life costs with a lower death benefit. AARP and State Farm offer affordable and convenient policies tailored to seniors' needs.

Term life insurance provides lower premiums, while whole life policies offer lifelong coverage and cash value accumulation at a higher monthly.

Whether you need affordable term coverage for short-term protection or a permanent policy that accumulates cash value, comparing multiple providers guarantees you get the best match.

Maximize Your Life Insurance Discounts & Savings

Saving money on Pennsylvania life insurance requires comparing discounts. The breakdown provided below identifies savings by leading providers. Be it as a non-smoker or seeking bundling benefits, these discounts can maximize your policy's value.

Insurance Company	Non-Smoker	Healthy Lifestyle	Bundling	Family Protection	Long-Term Customer
	10%	5%	15%	10%	20%
	12%	7%	18%	12%	22%
	8%	6%	10%	8%	15%
	9%	5%	12%	10%	18%
	11%	8%	16%	11%	19%
	10%	7%	14%	10%	17%
	13%	9%	15%	13%	20%
	12%	8%	17%	12%	21%
	10%	6%	13%	10%	18%
	11%	7%	17%	11%	19%

Bundling discounts range from 13% to 18%, with AIG, Northwestern Mutual, and State Farm leading. New York Life offers the highest savings for non-smokers at 13% and the best discounts for a healthy lifestyle at 9%.

Compare these options to find the best Pennsylvania life insurance policy that suits your financial budget as well as your personal requirements.

Read more: The Ultimate Life Insurance Cost Guide

Finding the Best Life Insurance Deals in Pennsylvania

The best life insurance in Pennsylvania is ranked based on affordability, customer service, member benefits, and policy flexibility. AIG is the top overall choice, while State Farm excels in customer service, and Prudential offers life insurance discounts for being healthy.

Comparing coverage options, prices, and savings opportunities provides the best protection for long-term financial stability. Enter your ZIP code to buy affordable Pennsylvania life insurance with our free quote comparison tool.