Financial services offered by Kotta Financial Services

Kotta Financial Services provides comprehensive life insurance, annuities, retirement planning, and estate guidance. We shop 10 top-rated carriers to find the best rates for every client.

Life Insurance

Kotta Financial Services offers multiple types of life insurance to match your stage of life and budget:

• Term Life Insurance — 10, 20, or 30 year terms at the lowest rates available across 10 carriers
• Whole Life Insurance — permanent coverage with guaranteed cash value growth
• Indexed Universal Life (IUL) — flexible premiums with tax-advantaged growth tied to market indices
• Return of Premium — get your premiums back if you outlive the term
• Final Expense Coverage — affordable whole life for burial and end-of-life costs

Annuities & Retirement Income

Kotta Financial Services helps clients build guaranteed income streams for retirement:

• Fixed Annuities — guaranteed interest rate with no market risk
• Indexed Annuities — market upside potential with downside protection
• 401(k) and 403(b) Rollovers — tax-efficient transfer from employer plans
• Immediate Income Annuities — start receiving payments right away
• Deferred Income Annuities — build income for a future retirement date

Will & Trust Guidance

Kotta Financial Services provides estate planning guidance to protect your legacy:

• Will Preparation — ensure your wishes are documented and legally sound
• Trust Establishment — protect assets and control distribution
• Beneficiary Planning & Reviews — keep designations current with life changes
• Power of Attorney — designate who acts on your behalf
• Estate Consultation — comprehensive review of your estate plan

How Kotta Financial Services works

1. Free 15-minute consultation — discuss your needs and goals
2. We shop 10 carriers — compare rates and coverage options
3. Present your options — clear comparison with our recommendation
4. You decide — no pressure, no obligation
5. Ongoing service — annual reviews and life-change check-ins

Phone: (919) 645-8723 | Schedule a free consultation

Last updated: June 2026