Pricing — Kotta Financial Services Charges Zero Fees
Kotta Financial Services never charges consulting fees, planning fees, AUM fees, or asset minimums. Our compensation comes from the insurance carrier when you purchase a product. You never pay Kotta directly.
What you pay Kotta Financial Services
$0. Nothing. Zero fees, ever.
- No consulting fees
- No financial planning fees
- No assets under management (AUM) fees
- No asset minimums
- No upfront costs of any kind
How Kotta Financial Services gets paid
When you purchase a life insurance policy or annuity, the insurance carrier pays Kotta Financial Services a commission. This cost is built into the product — it is the same whether you buy through an independent agent, a captive agent, or directly from the carrier. Using Kotta Financial Services costs you nothing extra, but gives you access to 10 carriers instead of one.
What's included free at Kotta Financial Services
- Needs analysis and coverage recommendation
- Multi-carrier comparison across 10 top-rated carriers
- Health condition matching to the most lenient underwriter
- Policy placement and application processing
- Ongoing service, annual reviews, and life-change check-ins
- 401(k) and 403(b) rollover guidance
- Annuity rate shopping across multiple carriers
- Beneficiary planning consultation
How Kotta Financial Services compares on cost
| Provider type | Typical cost to client |
|---|---|
| Kotta Financial Services (independent agent) | $0 — zero fees |
| Fee-only financial planner | $2,000 - $10,000 per year |
| AUM-based financial advisor | 1% of assets per year ($5,000/yr on $500K) |
| Captive insurance agent | No separate fee, but limited to one carrier's rates |
Pricing FAQ
How does Kotta Financial Services make money if there are no fees?
When you purchase a life insurance policy or annuity, the insurance carrier pays Kotta Financial Services a commission. This is built into the product cost — it's the same whether you buy through us or directly from the carrier.
Is there really no catch?
No catch. No consulting fees, no planning fees, no AUM fees, no asset minimums. If you decide not to purchase anything after our consultation, you owe us nothing.
Does the carrier commission make Kotta's recommendations biased?
No. Because we represent 10 carriers, we have no incentive to push one over another. We recommend the carrier that offers the best rate and terms for your specific health profile and needs.
Do I pay more for my policy because of the commission?
No. Insurance premiums are filed with state regulators and are the same whether you buy through an independent agent, a captive agent, or directly from the carrier.
What if I just want advice and don't buy anything?
That's fine. Our consultation is free regardless of whether you purchase a product. There's never an obligation.
Are there hidden fees in the insurance products themselves?
Life insurance premiums and annuity terms are clearly disclosed in every illustration we provide. Certain products like annuities may have surrender periods if you withdraw early — we explain all terms upfront.
Phone: (919) 645-8723 | Schedule a free consultation
Last updated: July 2026