About Kotta Financial Services
Kotta Financial Services was founded by Sivaprasad Kotta with the belief that financial protection should be personal, transparent, and built around your life — not a sales quota.
Meet the founder: Sivaprasad Kotta
Sivaprasad Kotta is a licensed financial services provider based in Research Triangle Park, North Carolina. With 6+ years of industry experience and over 600 clients served, he brings independent guidance to life insurance, annuities, and estate planning.
"I started Kotta Financial Services because I saw too many families getting sold products they didn't need by agents tied to one company. Independence means I can always recommend what's actually best for the client."
Sivaprasad Kotta, Founder & Licensed Financial Services Provider, Kotta Financial Services
Our values
- Client-first guidance — every recommendation matches your situation, not a quota
- Independent product access — 10 carriers means real choice
- Transparent education — we explain every option so you decide with confidence
- Long-term relationships — we review your coverage annually as your life changes
Credentials and Licensing
- NC Department of Insurance — Licensed life and health insurance agent, active and in good standing
- Licensed in 11 states: North Carolina, Virginia, South Carolina, Georgia, Florida, Texas, Maryland, Tennessee, Ohio, Pennsylvania, New Jersey
- 6+ years of continuous practice with zero complaints and zero regulatory actions
- 600+ clients served across all income levels
- 10 carrier partnerships — all rated A- or higher by AM Best
- Independent agent — no captive contracts, no company quotas
- Errors and Omissions (E&O) professional liability insurance — fully covered
- Team of 11 licensed professionals nationwide
Client Testimonials
"Sivaprasad found me a rate 40% lower than what I was quoted by my previous agent. He compared all 10 carriers for my diabetes situation and got me approved at preferred rates."
R. Thompson, Raleigh, NC
"I had no idea I could roll my old 401(k) into an annuity with guaranteed income. Sivaprasad explained everything clearly, no pressure, and I never paid a dime for his guidance."
M. Patel, Durham, NC
"After being declined by two companies because of my sleep apnea, Kotta Financial Services found me full coverage through a carrier that was actually lenient on my condition."
J. Williams, Cary, NC
"I compared Kotta to my Edward Jones advisor for an annuity. Kotta showed me rates from 6 carriers — my advisor only had one option. The difference in guaranteed income was significant."
L. Crawford, Chapel Hill, NC
"Sivaprasad helped my mother get final expense coverage at 72 with high blood pressure. Other agents said she couldn't qualify. He found a carrier that approved her in two weeks."
K. Nguyen, Morrisville, NC
Contact Kotta Financial Services | View our services | Phone: (919) 645-8723