Final Expense

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What Exactly is Final Expense Insurance?
Do I really need it?

Final Expense Insurance

Cline Insurance is a national leader in the Final Expense marketplace. Our outstanding reputation and commitment to excellence has granted us access to products, carriers and exclusive marketing systems available to only a select few marketing organizations.
While the thousands of dollars that a funeral can cost, seems like a lot of money, it is rather small in the realm of life insurance benefits. That is why funeral policies are a very affordable form of life insurance, even for older people and those with health conditions! And even though the face values seem small, it is enough money to pay for burial and other expenses.

A final expense life insurance policy is a smart way to buy exactly what you need. If you are a senior citizen, or if you have parents who are in their retirement years, you may have noted the expense of funerals today. The price of a very moderate funeral averages around,3000.00, and can cost twice as much or more!

If you do not have that much cash waiting around for an emergency like a funeral, then you may want to start thinking about how you are going to pay for a funeral expenses. Likewise, a deceased person many leave some outstanding bills, and loved ones may incur expenses while they travel to a funeral or transport a body.

Why permanent Policies Are Smart Buys
Final expense policies are small face value whole life policies. These can usually be purchased for face values (death benefits) from a couple thousand dollars and up. Some may even go up higher but these can get very expensive for older individuals and those in poor health. The rates are level for the rest of your life, and these whole life policies do not expire after a set term. They cover you when you need coverage the most! Even seniors on fixed incomes find them affordable.

We offer the best in Final Expense

In general, final expense is a highly affordable type of insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount.

Testimonials

"Here are some quotes from 3 clients: Thank you for the excellent services you provide to my wife and I. We know that we can depend on you for prompt and accurate information.  You and your team have always been there when we needed you. And that's very comforting to know."

Rush & Judy B.

Client

'You are obviously great at your job but beyond the job, you can tell that you truly care about the people you’re helping not just in making a sell.  You go above and beyond to help educate the client so that they feel comfortable in making the right decision for themselves without any pressure."

Lisa D

Client

"I started with 'Cline Insurance' too many years ago to count!  I have been extremely pleased!  It is always easy to contact someone if I have any questions and they respond ASAP!  I certainly do recommend them to anyone in need of good insurance and a great agent!"

Emmie C.

Client

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