COTO Insurance & Financial Services Blog

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The Biggest Question Regarding Your Social Security Benefits
May 21, 2018

  Social Security is a common topic among those discussing, and planning for, retirement. And yet many people don’t know much about how the system actually works. Remember, this is your money! You’ve worked for decades, paying taxes into a system that is set up to help you during your…

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Don’t Make These Life Insurance Mistakes!
May 14, 2018

Many people make the mistake of assuming that they don’t need life insurance, because they are young, or healthy, or don’t have outstanding debts, or don’t have any dependents, and so on. The truth is that we all need at least a basic policy to cover burial expenses, because none…

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The Cost of Claiming Social Security Too Early
May 7, 2018

Planning for your Social Security benefits, especially when to claim them, is one of the most important aspects of retirement planning. It’s also one of the least understood, in terms of how your timing will impact your monthly benefit amount. While there is no answer that is “right” for every…

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Term or Permanent Life Insurance, Which is Better?
April 23, 2018

If you’ve decided that you definitely need life insurance, congratulations. You’ve made the first step toward an important decision that will protect your loved ones. But of course, deciding that you need this protection is only the first step. Now you will face a series of choices related to the…

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