Serving North Carolina for over 26 years.
From simple to complex coverage, you can count on Cline Hall Agency.
Get a Quote
About Cline Hall Agency, Inc.
Cline Hall Agency is an independent insurance agency offering insurance solutions to the residents of Greenville, Winterville, and all of North Carolina. Cline opened his first agency in 1993 for Allstate after nine years in the industry. However, in 1999, he became an independent agent and founded Cline Hall Agency in order to provide his clients with numerous options through trusted carriers.
Whether you’re looking for a home, auto, life, or business policy, Cline Hall and his team will assess the risks you face and then match you with an array of options to best meet your protection needs. Contact us today for customized solutions for you or your business. Learn more about us!
Meet Agency Owner Cline Hall
Shortly after finishing his degree at Virginia Tech, Cline began his career in insurance with Allstate as a Bodily Injury Adjuster. He progressed through the company with positions in Underwriting, Processing, Human Resources, and Sales Management until finally opening his own Allstate agency. Due to his frustration of not being able to offer his client multiple options in insurance coverage, he sold his agency and started an independent agency from scratch in 1999.
Read More
In his free time, he likes to golf, do DIY home improvement, and tinker on old cars, sometimes even racing them. He is married to his high school sweetheart, Vickie, and they have two grown daughters, two wonderful sons-in-law, and four grandchildren.
Learn More About Us
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Personal InsuranceBusiness Insurance
Providing for Your Family
Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Solution
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
