YOU MAY STILL BE ABLE TO GET HEALTH INSURANCE!

Coto Family Life

Coto Family LifeCoto Family LifeCoto Family Life

Coto Family Life

Coto Family LifeCoto Family LifeCoto Family Life
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    • HealthiestYou By Teladoc
    • Life Insurance
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Helping you pick a LIFE insurance plans like you're family!

Helping you pick a LIFE insurance plans like you're family! Helping you pick a LIFE insurance plans like you're family! Helping you pick a LIFE insurance plans like you're family!
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Welcome

OPEN ENROLLMENT IS OVER BUT THERE ARE AFFORDABLE OPTIONS! NATIONWIDE PPO PLAND AS LOW AS 70% LESS THAN TRADITIONAL PLANS!

AFFORDABLE HEALTH PLANS ARE STILL POSSIBLE!    CONTACT ME TO SEE YOUR OPTIONS!

Health Insurance Quotes

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.

quick quote

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. 

Welcome to Our World

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Protect Your Future Today

Auto Insurance

Auto Insurance

Auto Insurance

Get the coverage you need for your vehicle. Our policies include liability, collision, and comprehensive coverage options. We can help you find the best rates for your budget.

Home Insurance

Auto Insurance

Auto Insurance

Protect your home from unexpected events like fire, theft, or natural disasters. Our policies cover your home, belongings, and liability. We offer customizable coverage options to fit your specific needs.

Life Insurance

Auto Insurance

Business Insurance

Secure your family's financial future with life insurance. We offer term life, whole life, and universal life policies. Our team can help you determine the best coverage amount and type for your situation.

Business Insurance

Business Insurance

Protect your business from liability, property damage, and other risks. Our policies are tailored to meet the unique needs of your business. We can help you find the coverage you need to stay protected.

Health Insurance

Health Insurance

Stay covered with health insurance. We offer a variety of plans to fit your needs and budget. Our team can help you navigate the complex healthcare system and find the best coverage for you and your family.

Pet Insurance

Health Insurance

Keep your furry friend healthy and happy with pet insurance. Our policies cover accidents, illnesses, and routine care. We offer customizable plans to fit your pet's specific needs.

NATIONWIDE PPO PLANS. PHCS NETWORK

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. 

Learn More - Get a Quote

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

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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. 

Apply Today

Frequently Asked Questions

PROTECT YOUR LOVED ONES WITH LIFE INSURANCE! 

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.


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Schedule a Free Asessment

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Coto Family Life

Phone: (786) 229-7634 Email: Ruben@cotofamilylife.com

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