Welcome to Payne Insurance & Financial Services

I am so pleased with not only the professional service, but the genuine interest to help answer my many questions and concerns. I have been meaning to get life insurance for so many years on myself and my husband but every previous attempt with other insurance companies just didn't feel right and I just didn't follow through. I heard Vicky say how important life insurance was on her show and, decided to give Coto Insurance a shot. Mike has been so transparent with every detail along this process and had such patience with me. I appreciated the fact there was never ever any pressure at all to sell me a policy.

Today, I have the best policy on myself and on my husband. What a relief! I highly recommend Coto Insurance, so do not hesitate to contact them and get your policy, the sooner the better for those premiums, as age is a factor.

Thank you Mike, you are the best agent ever!

It’s a jungle out there! With a myriad of life insurance plans available, finding one to meet my needs became a daunting task. That’s when I discovered Coto Financial! Vicki (president and founder) and Mike (vice president) took time to listen, analyze my needs, and with dozens of companies at their disposal, produced my perfect fit policy. Mike and his team facilitated the approval process while keeping me personally informed every step of the way. With Coto Financial, I found professionals who care and embrace their goal to offer each and every client a lifelong relationship built on loyalty and trust. Integrity, service, respect…Coto Financial is second to none!

Vicki and her staff are very responsive to dealing with clients. Vicki assisted me in consolidating five 401K accounts that I had accumulated over the years. Her guidance helped me avoid the recent market crash we have been experiencing this year. Samantha did a tremendous job of researching what Medicare Supplement Plans would be best for my wife and me. Everyone there is very professional. If you are seeking financial planning guidance, Coto Insurance & Financial services is the place to go. I know that Vicki offers free financial reviews with no strings attached. She knows her stuff and truly will work on your behalf.