ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Final Expense Insurance Agents Near You in San Clemente, CA

Browse final expense insurance agents serving San Clemente, California. Updated 2026-07-14.

The top-rated final expense insurance agent in San Clemente, California is Safe Life Insurance Agency, rated 5.0 stars across 417 reviews. Other highly rated options include Farmers Insurance - Lisa Newell, Chris Ferraro Jr. - State Farm Insurance Agent, Withers Insurance Services. This directory lists 20 final expense insurance agents serving San Clemente.

Showing 20 final expense insurance agents in San Clemente, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Safe Life Insurance Agency232 Avenida Fabricante STE 105(888) 633-6632
2Farmers Insurance - Lisa Newell940 Calle Negocio STE 220(949) 487-5487
3Chris Ferraro Jr. - State Farm Insurance Agent940 Calle Negocio Ste 230(949) 586-7060
4Withers Insurance Services638 Camino De Los Mares(949) 637-2700
5Divel Insurance501 N El Camino Real UNIT 204(949) 829-3639
6General Insurance Services629 Camino De Los Mares STE 306(949) 661-2201
7Caitlin Ferraro - State Farm Insurance Agent940 Calle Negocio Ste 230(949) 238-4200
8Goosehead Insurance - Bobby Legate946 Calle Amanecer Suite F(949) 533-0796
9Michele Ellena - State Farm Insurance Agent940 Calle Negocio Ste 230(949) 243-0792
10Unity One Insurance629 Camino De Los Mares #202b(949) 450-1822
SL
232 Avenida Fabricante STE 105
Safe Life Insurance Agency
Final Expense Insurance Agent · San Clemente, CA

Safe Life Insurance Agency serves families throughout Orange County and San Clemente, California, as a final expense insurance agent. The agency helps clients plan for end-of-life costs by offering coverage that protects loved ones from unexpected financial burdens. Its work focuses on providing accessible policies for individuals seeking burial or funeral expense protection. Typical services include assisting with low-face-amount life insurance policies and guiding seniors through straightforward application processes. The agency manages final expense plans that may cover funeral arrangements, medical bills, and other outstanding debts.

FI
940 Calle Negocio STE 220
Farmers Insurance - Lisa Newell
Final Expense Insurance Agent · San Clemente, CA

Farmers Insurance - Lisa Newell in San Clemente, CA provides final expense insurance policies designed to cover end-of-life costs such as funeral arrangements and outstanding medical bills. Its support plans focus on helping local families secure affordable coverage that eases the financial burden on loved ones after a death. The agent works with area residents to select appropriate plans, offering personalized guidance through the application process. This company services single-family homes, apartments, retail, and restaurants.

CF
940 Calle Negocio Ste 230
Chris Ferraro Jr. - State Farm Insurance Agent
Final Expense Insurance Agent · San Clemente, CA

Chris Ferraro Jr. - State Farm Insurance Agent serves local families in San Clemente who are seeking final expense coverage to help ease the financial burden of end-of-life costs for their loved ones. This agency provides straightforward, term-oriented policies designed to cover funeral arrangements and outstanding medical bills. The focus remains on creating simple plans that can offer peace of mind during difficult times. Mr. Ferraro also extends these final expense insurance services to clients throughout the nearby city of Dana Point and surrounding South Orange County areas.

WI
638 Camino De Los Mares
Withers Insurance Services
Final Expense Insurance Agent · San Clemente, CA

Serving San Clemente and the surrounding Orange County communities, Withers Insurance Services handles final expense insurance policies designed to help cover end-of-life costs. This work typically involves straightforward burial insurance and funeral planning coverage for local residents. The agency walks each client through the available policy options, explaining how benefits can be used for funeral arrangements or outstanding medical bills. To handle a typical case, the company meets one-on-one with individuals to compare benefit amounts and ensures the final selection aligns with their stated needs.

DI
501 N El Camino Real UNIT 204
Divel Insurance
Final Expense Insurance Agent · San Clemente, CA

Divel Insurance specializes in final expense insurance, offering policies designed to cover end-of-life costs such as funeral arrangements and outstanding medical bills. The San Clemente-based agency works with clients throughout the area to provide straightforward, small-face-value whole life plans that do not require a medical exam. These policies help families avoid financial burdens during a difficult time. It also assists seniors with pre-planning needs, such as adjusting coverage after a recent health diagnosis or loss of a spouse during flu season.

GI
629 Camino De Los Mares STE 306
General Insurance Services
Final Expense Insurance Agent · San Clemente, CA

General Insurance Services in San Clemente, CA provides either a one-time final expense policy to cover immediate burial costs or a recurring payment plan for ongoing funeral service expenses. Both options offer families a clear benefit payout to manage end-of-life obligations without burdening loved ones. The coverage is designed to meet the specific financial needs of area seniors facing these inevitable arrangements. Service appointments are scheduled as needed per client request for policy consultation or administration.

CF
940 Calle Negocio Ste 230
Caitlin Ferraro - State Farm Insurance Agent
Final Expense Insurance Agent · San Clemente, CA

As San Clemente seniors plan for end-of-life expenses, rising funeral costs make affordable coverage a priority. Caitlin Ferraro - State Farm Insurance Agent offers final expense policies designed to manage these financial burdens with straightforward options. Policies typically cover burial, memorial services, and related medical bills without requiring medical exams. Local clients value the convenience of discussing needs at the San Clemente agency location or during home visits. An initial assessment reviews current coverage gaps and confirms qualifying for simplified-issue protection.

GI
946 Calle Amanecer Suite F
Goosehead Insurance - Bobby Legate
Final Expense Insurance Agent · San Clemente, CA

Goosehead Insurance - Bobby Legate serves clients in San Clemente, California, helping families plan for end-of-life expenses through final expense insurance policies. The agency focuses on covering burial costs, outstanding medical bills, and other final obligations. These straightforward policies are designed specifically for seniors seeking to ease their loved ones' financial burdens. Bobby Legate assists individuals with managing funeral arrangements and unpaid debts without requiring a medical exam. Services are available for small and medium commercial sectors, including offices, warehouses, and food service establishments requiring simple coverage solutions.

ME
940 Calle Negocio Ste 230
Michele Ellena - State Farm Insurance Agent
Final Expense Insurance Agent · San Clemente, CA

Michele Ellena serves clients in San Clemente and the surrounding area as a final expense insurance agent helping families with residential funeral and burial funding needs. The agency also provides commercial coverage options for small business owners who want to protect their operations from unexpected loss. Service extends through the region to ensure families have local support when final expense policies need to be accessed. After the initial policy is in place, the agent follows up to review coverage and adjust plans as needed between regular annual visits.

UO
629 Camino De Los Mares #202b
Unity One Insurance
Final Expense Insurance Agent · San Clemente, CA

Unity One Insurance, based in San Clemente, CA, is known for providing final expense insurance coverage to local families. This service helps clients plan for end-of-life costs, such as funeral and burial expenses, ensuring loved ones are not burdened. The company works with individuals across the surrounding area, offering straightforward policy options tailored to different budgets and needs. As a specialty add-on, it can include accidental death benefit coverage for those seeking additional financial protection beyond standard final expense plans.

KF
802 Avenida Talega Suite 106
Kim Forsyth - State Farm Insurance Agent
Final Expense Insurance Agent · San Clemente, CA
(949) 366-0320
kimforsyth.com
DP
1100-1198 Caminante
Diamond Preferred Insurance Services
Final Expense Insurance Agent · San Clemente, CA
(949) 648-2922
diamond-preferred.com
PP
225 W Escalones
Patrick and Patrick Insurance Services Inc.
Final Expense Insurance Agent · San Clemente, CA
(949) 294-5814
patrickandpatrickinsurance.com
SI
122 Avenida Del Mar C
Shank Insurance Services
Final Expense Insurance Agent · San Clemente, CA
(833) 878-2820
swartsmanning.com/shank
SC
501 N El Camino Real #200
San Clemente Insurance Services
Final Expense Insurance Agent · San Clemente, CA
(949) 369-0951
sanclementeins.com
GG
940 Calle Negocio Ste 170
GIS Galvez Insurance Services
Final Expense Insurance Agent · San Clemente, CA
(949) 240-7445
gisgalvezinsuranceservices.com
GL
1005 Calle Recodo
George L Brown Insurance
Final Expense Insurance Agent · San Clemente, CA
(949) 361-1400
georgebrowninsurance.com
LI
San Clemente, CA 92673
Leger Insurance Agency
Final Expense Insurance Agent · San Clemente, CA
(949) 244-7611
legerinsuranceagency.com
SF
800 Avenida Pico
State Farm
Final Expense Insurance Agent · San Clemente, CA
(949) 492-5900
statefarm.com/agent
GI
901 Calle Amanecer Ste 200
Gallagher Insurance, Risk Management & Consulting
Final Expense Insurance Agent · San Clemente, CA
(949) 940-1760
ajg.com

What Does a a Final Expense Insurance Agent in San Clemente Cost?

Final expense insurance premiums in California typically range from 30 to 100 dollars per month for a 5000 to 25000 dollar policy. Rates depend on your age health and tobacco use. Agents may charge a commission that is included in the premium. California law does not set maximum premiums but requires clear disclosure of all costs. This is general information not insurance advice.

About final expense insurance agents in San Clemente

Final expense insurance agents in San Clemente California help residents secure coverage for funeral costs and end of life expenses. California law requires agents to be licensed by the California Department of Insurance and to follow specific disclosure rules for burial insurance policies. Local agents understand the unique needs of Orange County seniors and can explain how California community property laws may affect policy ownership.

Frequently Asked Questions

What is a final expense insurance agent in San Clemente?

A final expense insurance agent in San Clemente is a licensed professional who helps you purchase a small whole life insurance policy to cover funeral costs and medical bills. These agents must follow California Insurance Code regulations including providing a free look period of at least 30 days for replacement policies.

How do I choose a final expense insurance agent in California?

You should verify the agents license through the California Department of Insurance website. Ask about their experience with final expense policies and whether they represent multiple insurance companies. California law also requires agents to disclose any conflicts of interest before you buy a policy.

Are there California specific rules for final expense insurance?

Yes California has a 30 day free look period for final expense policies allowing you to cancel for a full refund. Agents must also follow the states replacement regulations if you are switching from an existing policy. Additionally California limits how much an agent can charge in fees on small face amount policies.

Final Expense Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.