Holding a 2 second clip for 5 seconds, etc.

This may be a stupid question but ... I am constantly needing to hold a clip for longer than the duration of the clip and Premiere fights me on it.

Let's say I animate in a little dancing bear who comes into the bottom of the screen and then just remains there. Or I animate a name and title coming onscreen. My original animation lasts, say, three seconds but I need the final frame to remain onscreen for 12 seconds.

I'd like to play the 3-second animation, and then freeze on the last frame and hold that for 9 seconds. But Premiere won't let me. Since the original clip was only 3 seconds long, the longest Premiere will let me hold a freeze frame is 3 seconds. 

So I have to either create three separate instances of the freeze frame and put them back-to-back, or I have to render out the final frame of the animation as a separate image file and then import that into Premiere, or some other semi-kludgy work-around. 

I'd like to just say "Hold on this frame" and have Premiere hold on that frame for as long as I want. Why is this so hard? Am I missing something obvious?

TIA.