Welcome
open enrollment is starting soon! Take a look at your options and see if you qualify for lower premiums!
Open enrollment starts November 1 Enroll by January 15 for coverage in 2025
About Us
Protecting Futures
Still looking for insurance coverage? We got you covered! At Coto Family Life, we have over 20 years of insurance experience helping clients prepare for the unknown. We also offer a wide range of policies and plans to meet your specific requirements. Let us worry about your future so you can enjoy your present. No medical exams or blood work required! Just answer a couple of health questions in an easy online application. Call us today for any help and we will ne glad to provide you with more information.
Assessing Need
Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.
Building Relationships
Everyone has different insurance needs. Call us today for family or an individual assessment and find out how we can help protect you and your family.
What We Offer
Our customers trust Coto Family Life with all of their insurance needs and know that we care about their specific requirements. Give us a call to schedule a meeting and receive a no-obligation quote today.
Term Life Insurance
Expires in 10, 20, or 30 years from $25,000 to $1.5 million or more
Permanent/Whole Life Insurance
Insurance for life that has coverage from $10,000 up to $5 million
Why Choose Coto Family Life?
At Coto Family Life, every client is unique & we don’t believe in a “one-size-fits-all” approach to insurance. We provide individual solutions for each of our clients and serve as advocates should you need to file a claim. Get in touch and find out why so many clients have turned to us for help and assurance.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
In some cases you would need an exam but there are, however, a few carriers that offer life insurance coverage of up to one million dollars without requiring an assessment. Furthermore, policies like final expense are approved on a simplified issue basis, which means you won't have to take the exam.
When speaking with your agent to set up your policy, any concerns or questions you have, one of our agents can review your policy and recommend changes to ensure you have the best and proper coverage.
Most plans require medical testing and charge premiums based on the risk level assigned to you as a result of the examination. Even if you are not in perfect health or have a major health problem, guaranteed issue plans may still be a choice for you, however at the cost of a higher monthly premium and a reduced death benefit.
Contact Us
Fill out the form with any questions you have about finding the coverage that's right for you! Together, we can find the right plan and stay within your budget!
This website uses cookies.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.