Life Insurance

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Please Note: “Term Period” refers to the length of time that the rate will be locked in and guaranteed not to increase.

Personalized Life Insurance Built Around Your Priorities

At Coto Insurance, we help individuals and families secure the financial protection they need without confusion or pressure. Whether you are looking for term insurance or a permanent policy to support your long-term goals, we will help you make a confident and informed decision.

We offer a range of life insurance options, each designed to serve a specific purpose. Our licensed agents will walk you through the benefits and trade-offs of each type so you can find the plan that fits your life and legacy.
 

Types of Life Insurance We Offer

Term Life Insurance

Term Life Insurance is designed to provide coverage for a specific period, such as 10, 20, or 30 years. It is typically the most affordable way to get a high level of coverage during the years when financial responsibilities are highest.

If the insured person passes away during the term, the policy pays a TAX FREE death benefit to the named beneficiary. If the term ends and no benefit has been paid, the policy simply expires unless it is renewed.

Term life is ideal for young families, homeowners, and anyone who wants to protect income, pay off debts, or fund future expenses like college tuition during a defined window of time. It is a smart solution when you need coverage now and want to keep premiums low.

Universal Life Insurance

Universal Life Insurance is a flexible and permanent life insurance option that combines a death benefit with the ability to accumulate cash value over time.

Policyholders have the flexibility to adjust their premium payments and death benefit amounts based on changing life circumstances. As the policy accumulates cash value, it can be accessed through loans or withdrawals, which can be used for retirement income, emergency expenses, or other financial needs.

This type of insurance is well suited for individuals who want a lifelong safety net along with some investment growth potential, and who are comfortable actively managing their policy over time.

Guaranteed Universal Life Insurance (GUL)

Guaranteed Universal Life Insurance combines the affordability of term insurance with the long-term security of permanent coverage. GUL is often referred to as the “no-lapse” universal life policy because it provides a guaranteed death benefit as long as the required premiums are paid.

Unlike traditional universal life insurance, GUL focuses less on building cash value and more on providing dependable coverage for life. It is ideal for people who want predictable premiums, lifelong protection, and peace of mind that their policy will not expire as they age. GUL is often used in estate planning, business succession, or to leave a legacy for heirs.

Second-to-Die Life Insurance

Second-to-Die Life Insurance, also known as survivorship life insurance, covers two people under one policy and pays the death benefit only after both insured individuals have passed away.

This type of policy is most commonly used by married couples who want to provide for their heirs, pay estate taxes, or fund a trust after both spouses have died. Because the benefit is delayed until the second death, premiums are typically lower than for two separate policies. Second-to-die insurance is a strategic option for wealth transfer, especially in larger estates that may face significant tax liabilities.

Get Expert Help Choosing the Right Life Insurance

Choosing the right life insurance policy does not have to be complicated. At Coto Insurance, our licensed professionals are here to explain your options clearly, answer your questions, and help you compare policies from top-rated insurance carriers.  We are a broker and offer all of the TOP insurance companies in every state.  We will do the shopping for you, so you don’t have to.

The good news is that we now we have companies that offer up to $4M of term life insurance with no underwriting (if you qualify).

Whether you are just starting your search or already know what type of coverage you want, we will guide you through the process with care and transparency. Our support is offered at no cost to you.

Contact us today to schedule a conversation and take the next step toward securing your financial future for your family or your business.