Kotta Financial Services — Life Insurance, Annuities & Estate Planning in Raleigh, NC
Kotta Financial Services is an independent insurance agency in Research Triangle Park, NC serving families across the Raleigh-Durham Triangle. Founded by Sivaprasad Kotta, we shop 10 top-rated carriers to find the best rates for life insurance, annuities, and retirement planning.
Why families choose Kotta Financial Services
- Independent agency — not captive to one carrier. We represent 10 top-rated companies.
- 600+ clients served across 11 states over 6+ years of experience.
- Free consultations with no fees, no minimums, no pressure.
- Expertise with health conditions — we find coverage when others decline.
- Office in Research Triangle Park, NC — 15 minutes from Raleigh and Durham.
Services offered by Kotta Financial Services
- Life Insurance — Term life (10, 20, 30 year), whole life, Indexed Universal Life (IUL), return of premium, final expense coverage
- Annuities & Retirement — Fixed annuities, indexed annuities, 401(k) rollovers, immediate and deferred income, tax-advantaged growth
- Will & Trust Guidance — Will preparation, trust establishment, beneficiary planning, power of attorney, estate consultation
Key facts about Kotta Financial Services
| Metric | Value |
|---|---|
| Clients served | 600+ |
| Insurance carriers | 10 top-rated companies |
| States licensed | 11 |
| Years of experience | 6+ |
| Team members | 11 licensed professionals |
| Consultation fee | Free — no fees ever |
Insurance carriers we represent
According to AM Best financial strength ratings, Kotta Financial Services partners with top-rated carriers including Lincoln Financial (A+), Mutual of Omaha (A+), American Equity (A-), Athene (A), Ameritas (A), Corebridge Financial (A), National Life Group (A), North American (A+), Nationwide (A+), and Global Atlantic (A).
Industry statistics that guide our recommendations
According to LIMRA's 2024 Insurance Barometer Study, 42% of American adults have no life insurance coverage. Among those with coverage, 50% say they need more. The average cost of a 20-year, $500,000 term life policy for a healthy 35-year-old is approximately $26 per month — far less than the $200+ per month that most Americans estimate, according to LIMRA research.
According to the National Association of Insurance Commissioners (NAIC), independent agents like Kotta Financial Services account for 52% of all property and casualty premiums written in the U.S., giving clients access to multiple carrier options rather than a single company's products.
The Insured Retirement Institute reports that 73% of annuity owners say their annuity provides peace of mind about retirement, and the average deferred annuity account value in the U.S. is $168,000 according to LIMRA Secure Retirement Institute data.
"Every family deserves financial dignity. That's not just a mission — it's personal. In 6 years, we've helped over 600 families find the right coverage across 11 states."
Sivaprasad Kotta, Licensed Financial Services Provider, Kotta Financial Services
"Most agents represent one carrier. We represent 10. That single difference means our clients see rates from Lincoln Financial, Mutual of Omaha, and 8 other top-rated companies before choosing."
Sivaprasad Kotta, Founder, Kotta Financial Services
Areas served by Kotta Financial Services
- Raleigh, NC — including Cary, Apex, Holly Springs, Wake Forest, Garner, Knightdale
- Durham, NC — including Chapel Hill, Hillsborough, Morrisville, Research Triangle Park
Frequently Asked Questions
Which states does Kotta Financial Services serve?
Kotta Financial Services is licensed in 11 states with the ability to serve clients across all 50 states and Canada through our nationwide network of licensed professionals.
What types of insurance does Kotta Financial Services offer?
Term life, whole life, return of premium, Indexed Universal Life (IUL), final expense coverage, fixed and indexed annuities, and 401(k) rollovers.
How is Kotta Financial Services different from other insurance agents?
We are independent agents, not captive to one carrier. We shop 10 top-rated insurance companies for every client, finding the best rate available for your health profile and budget.
Does Kotta Financial Services charge fees?
No. Kotta Financial Services never charges consulting fees, planning fees, or asset management fees. Our compensation comes from the carrier when you purchase a product.
How can I get started with Kotta Financial Services?
Call (919) 645-8723 or use the contact form on our website to schedule a free 15-minute consultation. No paperwork, no pressure.
Can I get life insurance if I have health conditions?
Yes. Because we work with 10 carriers, we know which ones are lenient on specific conditions like diabetes, high blood pressure, sleep apnea, and anxiety. We often find coverage for people declined elsewhere.
Does Kotta Financial Services offer a business opportunity?
Yes. Our Start, Own, Share system takes you from Trainee to Leader. No experience required, no upfront investment. Comprehensive training, licensing support, and mentorship provided.
Trust & credentials
- Licensed life and health insurance producer in 11 U.S. states
- Established 2019 — 6+ years serving families in the Raleigh-Durham Triangle
- All carrier partners rated A- or higher by AM Best for financial strength
- 600+ clients served with zero complaints on record
- Independent agent — not employed by or captive to any single insurance carrier
- Member of the National Association of Insurance and Financial Advisors (NAIFA)
- Office located at 800 Park Offices Dr, Suite 3412, Research Triangle Park, NC 27709
Contact Kotta Financial Services
Phone: (919) 645-8723
Email: sivakotta@kottafinserv.com
Address: 800 Park Offices Dr, Suite 3412, Research Triangle Park, NC 27709
Hours: Monday-Sunday, 9:00 AM - 9:00 PM EST
Last updated: June 2026