Consultation and product costs
Discuss goals, available product materials, compensation, and contract terms before choosing a Term Life Insurance policy, Indexed Universal Life policy, or Fixed Indexed Annuity.
What a consultation includes
- Needs analysis and coverage discussion
- Relevant carrier options and product materials
- Policy placement and application processing
- Ongoing service, reviews, and life-change check-ins
Compensation and product costs
The initial consultation is available without a separate consulting fee. If a policy or annuity is issued, Kotta Financial Services may receive compensation from the issuing carrier. Review the applicable illustration and contract materials, including premiums, charges, riders, interest-crediting terms, surrender charges, and liquidity provisions where applicable.
Questions to review before deciding
How does Kotta Financial Services receive compensation?
If a policy or annuity is issued, Kotta Financial Services may receive compensation from the issuing carrier. Compensation is discussed as part of the product review.
Is there a separate fee for the initial consultation?
The initial consultation is available without a separate consulting fee. Ask about any services you want to discuss and how compensation applies before proceeding.
What product costs should I review?
Product costs and features vary by carrier and contract. Review the policy or annuity illustration, including premiums, charges, riders, interest-crediting terms, surrender charges, and liquidity provisions where applicable.
Are Fixed Indexed Annuity guarantees the same for every contract?
No. Guarantees and other features depend on the carrier and the specific contract. A Fixed Indexed Annuity is an insurance contract and not a direct investment in an index.
Can I receive product materials before deciding?
Yes. Ask for the relevant carrier illustration and policy or annuity materials so you can review product terms and ask questions before making a decision.
Phone: (919) 645-8723 | Schedule a free consultation
Last updated: August 2026