1<!DOCTYPE html> 2<html> 3 <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /> 4 5 <title>Blog - COTO Insurance and Financial Services</title> 6 7 <meta name="viewport" content="width=device-width, initial-scale=1.0, minimum-scale=.01, user-scalable=0" /> 8 9 <link rel="shortcut icon" href="https://www.cotoinsurance.com/wp-content/uploads/sites/5/2017/11/favicon.ico"><meta name="theme-color" content="#ffffff"> 10 <link href='//fonts.googleapis.com/css?family=Roboto:400,100,300,500,700,900' rel='stylesheet' type='text/css'> 11 <link href='//fonts.googleapis.com/css?family=Roboto+Slab:400,100,300,700' rel='stylesheet' type='text/css'> 12 13 <!-- Meta Pixel Code -->
14<script>
vendor: 408 bytes, lines 14-23
14 15!function(f,b,e,v,n,t,s) 16{if(f.fbq)return;n=f.fbq=function(){n.callMethod? 17n.callMethod.apply(n,arguments):n.queue.push(arguments)}; 18if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; 19n.queue=[];t=b.createElement(e);t.async=!0; 20t.src=v;s=b.getElementsByTagName(e)[0]; 21s.parentNode.insertBefore(t,s)}(window, document,'script', 22'https://connect.facebook.net/en_US/fbevents.js'); 23fbq('init', '
23556152225381783
vendor: 32 bytes, lines 23-24
23'); 24fbq('track', 'PageView');
25</script>
25 26<noscript><img height="1" width="1" style="display:none" 27src="https://www.facebook.com/tr?id=556152225381783&ev=PageView&noscript=1" 28/></noscript> 29<!-- End Meta Pixel Code --> 30<!-- Google tag (gtag.js) - Google Analytics -->
vendor: 65 bytes, lines 30-31
30 31<script async src="https://www.googletagmanager.com/gtag/js?id=
31UA-244313772-1
vendor: 15 bytes, lines 31-32
31"> 32</script>
33<script> 34Â window.dataLayer = window.dataLayer || []; 35Â function gtag(){dataLayer.push(arguments);} 36Â gtag('js', new Date()); 37 38Â gtag('config', 'UA-244313772-1'); 39</script>
39 40 41<!-- Google tag (gtag.js) -->
vendor: 64 bytes, line 41
41 <script async src="https://www.googletagmanager.com/gtag/js?id=
41G-SH4EC893YF
vendor: 12 bytes, line 41
41"></script>
41<script>
vendor: 127 bytes, line 41
41window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', '
41G-SH4EC893YF
vendor: 4 bytes, line 41
41');
41</script>
41 42 43<meta name="facebook-domain-verification" content="m6722z0abotsj9pnppj0x6tv0pqy19" /> 44
45<script type='text/javascript'> 46 (function (w, d, s, u, dbg) { 47 var js, fjs = d.getElementsByTagName(s)[0]; 48 window.rdcndbg = dbg; 49 js = d.createElement(s); 50 js.async = true; 51 js.src = u; 52 fjs.parentNode.insertBefore(js, fjs); 53 })(window, document, 'script', 'https://rdcdn.com/rtjs?aid=29163', false); 54</script>
54 55 56 57 <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /> 58 59 <!-- This site is optimized with the Yoast SEO plugin v28.6 - https://yoast.com/product/yoast-seo-wordpress/ --> 60 <link rel="canonical" href="https://www.cotoinsurance.com/blog/" /> 61 <meta property="og:locale" content="en_US" /> 62 <meta property="og:type" content="article" /> 63 <meta property="og:title" content="Blog - COTO Insurance and Financial Services" /> 64 <meta property="og:url" content="https://www.cotoinsurance.com/blog/" /> 65 <meta property="og:site_name" content="COTO Insurance and Financial Services" /> 66 <meta name="twitter:card" content="summary_large_image" /> 67
67<script type="application/ld+json" class="yoast-schema-graph">{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.cotoinsurance.com\/blog\/","url":"https:\/\/www.cotoinsurance.com\/blog\/","name":"Blog - COTO Insurance and Financial Services","isPartOf":{"@id":"https:\/\/www.cotoinsurance.com\/#website"},"datePublished":"2016-05-19T16:31:37+00:00","breadcrumb":{"@id":"https:\/\/www.cotoinsurance.com\/blog\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cotoinsurance.com\/blog\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.cotoinsurance.com\/blog\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cotoinsurance.com\/"},{"@type":"ListItem","position":2,"name":"Blog"}]},{"@type":"WebSite","@id":"https:\/\/www.cotoinsurance.com\/#website","url":"https:\/\/www.cotoinsurance.com\/","name":"COTO Insurance and Financial Services","description":"Financial and Insurance Planning","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cotoinsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}</script>
67 68 <!-- / Yoast SEO plugin. --> 69 70 71<link rel='dns-prefetch' href='//s7.addthis.com' /> 72<link rel='dns-prefetch' href='//www.googletagmanager.com' /> 73<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://www.cotoinsurance.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.cotoinsurance.com%2Fblog%2F" /> 74<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://www.cotoinsurance.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.cotoinsurance.com%2Fblog%2F&format=xml" /> 75<style id="wp-img-auto-sizes-contain-inline-css"> 76img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px} 77/*# sourceURL=wp-img-auto-sizes-contain-inline-css */ 78</style> 79<link rel='stylesheet' id='emp-events-datepicker-css' href='https://www.cotoinsurance.com/wp-content/plugins/EMP-Events-Calendar/includes/date-picker/datepicker.css?ver=7.0.5' media='all' /> 80<link rel='stylesheet' id='emp-events-style-css' href='https://www.cotoinsurance.com/wp-content/plugins/EMP-Events-Calendar/EMP-Events-Calendar-Style.css?ver=7.0.5' media='all' /> 81<link rel='stylesheet' id='dashicons-css' href='https://www.cotoinsurance.com/wp-includes/css/dashicons.min.css?ver=7.0.5' media='all' /> 82<link rel='stylesheet' id='thickbox-css' href='https://www.cotoinsurance.com/wp-includes/js/thickbox/thickbox.css?ver=7.0.5' media='all' /> 83<style id="wp-block-library-inline-css"> 84:root{--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color);--wp-editor-canvas-background:#ddd;--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,160.5;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px}}.wp-element-button{cursor:pointer}:root .has-very-light-gray-background-color{background-color:#eee}:root .has-very-dark-gray-background-color{background-color:#313131}:root .has-very-light-gray-color{color:#eee}:root .has-very-dark-gray-color{color:#313131}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3)}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe)}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec)}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671)}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59)}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf)}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc)}:root{--wp--preset--font-size--normal:16px;
84--wp--preset--font-size--huge:42px}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}:root .has-text-align-center{text-align:center}:root .has-text-align-left{text-align:left}:root .has-text-align-right{text-align:right}.has-fit-text{white-space:nowrap!important}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{word-wrap:normal!important;border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style*=border-color]){border-style:solid}html :where([style*=border-top-color]){border-top-style:solid}html :where([style*=border-right-color]){border-right-style:solid}html :where([style*=border-bottom-color]){border-bottom-style:solid}html :where([style*=border-left-color]){border-left-style:solid}html :where([style*=border-width]){border-style:solid}html :where([style*=border-top-width]){border-top-style:solid}html :where([style*=border-right-width]){border-right-style:solid}html :where([style*=border-bottom-width]){border-bottom-style:solid}html :where([style*=border-left-width]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}} 85 86/*# sourceURL=/wp-includes/css/dist/block-library/common.min.css */ 87</style> 88<style id="classic-theme-styles-inline-css"> 89/*! This file is auto-generated */ 90.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none} 91/*# sourceURL=/wp-includes/css/classic-themes.min.css */ 92</style> 93 94<style id="global-styles-inline-css"> 95:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgb(6,147,227) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgb(252,185,0) 0%,rgb(255,105,0) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgb(255,105,0) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);
95--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgb(255, 255, 255), 6px 6px rgb(0, 0, 0);--wp--preset--shadow--crisp: 6px 6px 0px rgb(0, 0, 0);}:where(body) { margin: 0; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;font-style: inherit;font-weight: inherit;letter-spacing: inherit;line-height: inherit;padding-top: calc(0.667em + 2px);padding-right: calc(1.333em + 2px);padding-bottom: calc(0.667em + 2px);padding-left: calc(1.333em + 2px);text-decoration: none;text-transform: inherit;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}
95.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} 96/*# sourceURL=global-styles-inline-css */ 97</style> 98 99<link rel='stylesheet' id='theme-my-login-css' href='https://www.cotoinsurance.com/wp-content/plugins/theme-my-login/assets/styles/theme-my-login.min.css?ver=7.2.2' media='all' /> 100<link rel='stylesheet' id='reset.css-css' href='https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/css/reset.css?ver=1.0' media='all' /> 101<link rel='stylesheet' id='fonts.css-css' href='https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/css/fonts.css?ver=1.0' media='all' /> 102<link rel='stylesheet' id='screen.css-css' href='https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/css/screen.css?ver=1.0' media='all' /> 103<link rel='stylesheet' id='media.css-css' href='https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/css/media.css?ver=1.0' media='all' />
104<script id="jquery-core-js" src="https://www.cotoinsurance.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1"></script>
vendor: 1 bytes, line 104
104
105<script id="jquery-migrate-js" src="https://www.cotoinsurance.com/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1"></script>
vendor: 1 bytes, line 105
105
106<script id="emp-events-js-plugins-js" src="https://www.cotoinsurance.com/wp-content/plugins/EMP-Events-Calendar/js/plugins.js?ver=7.0.5"></script>
vendor: 1 bytes, line 106
106
107<script id="emp-events-js-main-js" src="https://www.cotoinsurance.com/wp-content/plugins/EMP-Events-Calendar/js/main.js?ver=7.0.5"></script>
107 108 109<!-- Google tag (gtag.js) snippet added by Site Kit --> 110<!-- Google Analytics snippet added by Site Kit -->
vendor: 80 bytes, lines 110-111
110 111<script id="google_gtagjs-js" src="https://www.googletagmanager.com/gtag/js?id=
111GT-NSKKVSM
vendor: 18 bytes, line 111
111" async></script>
112<script id="google_gtagjs-js-after"> 113window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments);} 114gtag("set","linker",{"domains":["www.cotoinsurance.com"]}); 115gtag("js", new Date()); 116gtag("set", "developer_id.dZTNiMT", true); 117gtag("config", "GT-NSKKVSM"); 118 window._googlesitekit = window._googlesitekit || {}; window._googlesitekit.throttledEvents = []; window._googlesitekit.gtagEvent = (name, data) => { var key = JSON.stringify( { name, data } ); if ( !! window._googlesitekit.throttledEvents[ key ] ) { return; } window._googlesitekit.throttledEvents[ key ] = true; setTimeout( () => { delete window._googlesitekit.throttledEvents[ key ]; }, 5 ); gtag( "event", name, { ...data, event_source: "site-kit" } ); }; 119//# sourceURL=google_gtagjs-js-after 120</script>
vendor: 1 bytes, line 120
120
121<script id="ga-external-tracking-js" src="https://www.cotoinsurance.com/wp-content/plugins/google-analyticator/external-tracking.min.js?ver=6.5.7"></script>
121 122<link rel="https://api.w.org/" href="https://www.cotoinsurance.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.cotoinsurance.com/wp-json/wp/v2/pages/22" /><link rel='shortlink' href='https://www.cotoinsurance.com/?p=22' /> 123<meta name="generator" content="Site Kit by Google 1.188.0" />
123<script src='https://myadvisor.site/?dm=93ea71fb10597e3c200919ff243a6016&action=load&blogid=5&siteid=1&t=1602326746&back=https%3A%2F%2Fwww.cotoinsurance.com%2Fblog%2F' type='text/javascript'></script>
123<!-- Google Analytics Tracking by Google Analyticator 6.5.7 -->
124<script type="text/javascript"> 125 var analyticsFileTypes = []; 126 var analyticsSnippet = 'disabled'; 127 var analyticsEventTracking = 'enabled'; 128</script>
vendor: 1 bytes, line 128
128
129<script type="text/javascript">
vendor: 333 bytes, lines 129-134
129 130 (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ 131 (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), 132 m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) 133 })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); 134 ga('create', '
134UA-17921509-104
vendor: 39 bytes, lines 134-136
134', 'auto'); 135 136 ga('send', 'pageview');
137</script>
137 138 139 <!-- W3TC-include-css --> 140 141 <style type="text/css"> 142 143 #header a.logo em { 144 color:#3a592d; 145 } 146 147 #header a.logo em { 148 color:#6b675b; 149 } 150 151 .videoholder span.icon-play, 152 .videoholder span.icon-remove{ 153 background:#3a592d; 154 border-color: #3a592d; 155 } 156 157 .supernav-background { 158 background: #3a592d; 159 } 160 161 .owl-page { 162 background:#3a592d; 163 } 164 165 .owl-page.active { 166 background:#6b675b; 167 } 168 169 .googleMap { 170 background:#3a592d; 171 border-color:#6b675b; 172 } 173 174 hr { 175 border-color: #6b675b; 176 } 177 178 #wp_page_numbers li.active_page a { 179 background: #3a592d ; 180 border-color: #3a592d ; 181 } 182 183 .nav li a { 184 color: #3a592d 185 } 186 187 a { 188 color: #3a592d } 189 190 .button, 191 a.button { 192 background: #3a592d; 193 } 194 195 .button:hover, 196 a.button:hover { 197 background: #6b675b; 198 } 199 200 a.button.plain, 201 .button.plain { 202 background: #6b675b; 203 } 204 205 a.button.plain:hover, 206 .button.plain:hover { 207 background: #3a592d; 208 } 209 210 #header a.logo span { 211 color: #3a592d } 212 213 #wpcs_container { 214 border-color: #6b675b } 215 216 h1, h2 { 217 color: #6b675b } 218 219 h3, h4, h5, h6 { 220 color: #3a592d } 221 222 #footer-container { 223 background:#3a592d } 224 225 #footer .footernav li a:hover { 226 color: #6b675b } 227 228 .nqwgt-456s-quoter_request .nq_quote-wrapper { position:relative !important; top: inherit !important;} 229.nqwgt-456s-quoter_request { height: auto !important; } 230.nqwgt-456s-quoter_request .nq_head { display: none; } 231 232.nqwgt.nqwgt-456s-quoter_request .nq_widget_width, .nqwgt.nqwgt-456s-quoter_request.nq_widget_width, 233.nqwgt.nqwgt-TgLB-quoter_request .nq_widget_width, .nqwgt.nqwgt-TgLB-quoter_request.nq_widget_width { 234 width: 100% !important; 235} 236 237insureio-embedded-quoter .insureio-quoter-form.wide .quoter-inner-container select, 238insureio-embedded-quoter .insureio-quoter-form.wide .quoter-inner-container .face-row select { 239max-width: 100% !important; 240width: 100% !important; 241min-height: 36px !important; 242} 243 244insureio-embedded-quoter .insureio-quoter-form.wide, 245insureio-embedded-quoter .insureio-quoter-form.wide .quoter-inner-container { 246max-width: 100% !important; 247} 248 249@media only screen 250and (min-width : 1px) 251and (max-width : 780px) { 252 253insureio-embedded-quoter .insureio-quoter-form.wide .quoter-inner-container .wrapper { 254width: 100% !important; 255} 256 257} 258 259.drQuoter, 260.drQuoter.wide .quoter-inner-container { 261max-width: 100% !important; 262} 263 264.quoter-inner-container { 265padding:20px; 266border: 0 none !important; 267box-shadow: 0 0 10px #f1f1f1 268} 269 270.drQuoter .quoter-inner-container h1, 271.drModal .quoter-inner-container h1 { 272text-align:left !important; 273} 274 275.drQuoter.wide .quoter-inner-container .face-row { 276width: 100% !important; 277} 278 279.drQuoter select { 280min-height: auto !important; 281appearance: auto !important; 282width: 100% !important; 283} 284 285@media only screen 286and (min-width : 1px) 287and (max-width : 780px) { 288.drQuoter.wide .quoter-inner-container .wrapper { 289width: 100% !important; 290float: none !important; 291padding: 0; 292} 293} 294 295.grecaptcha-badge { 296opacity;0; 297visibility:hidden; 298} 299 </style> 300 301</head> 302<body class="wp-singular page-template-default page page-id-22 wp-theme-My-Advisor-Site no-js inner"> 303 304 <header id="header"> 305 306 <div class="row"> 307 308 309 310 <a class="logo withLogo" href="https://www.cotoinsurance.com/" style="background-image:url('https://www.cotoinsurance.com/wp-content/uploads/sites/5/2017/11/COTO-Insurance-and-Financial-Services.png');"> 311 <span>COTO Insurance & Financial Services</span> 312 </a> 313 314 315 <div data-type="showNav" id="mnav" class="button orange"> 316 <p> 317 <em></em> 318 <em></em> 319 <em></em> 320 <span>Menu</span> 321 </p> 322 </div> 323 324 <div id="social-icons"> 325 <ul> 326 <li><a title="Visit us on facebook" href="https://www.facebook.com/CotoInsurance/" target="_blank" class="icon icon-facebook"></a></li> 327 <li><a title="Visit us on Twitter" href="https://twitter.com/cotoins" target="_blank" class="icon icon-twitter"></a></li> 328 <li><a title="Visit us on youtube" href="https://www.youtube.com/channel/UCb5eMpdGOX2npo-G2SJ_MCA" target="_blank" class="icon icon-youtube"></a></li> 329 <li><a title="Visit us on Instagram" href="https://www.instagram.com/vickigunvalson/" target="_blank" class="icon icon-instagram"></a></li> 330 </ul> 331</div> 332 <ul id="top_nav"> 333 <li id="menu-item-2719" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2719 publish"><a href="https://www.cotoinsurance.com/contact-us/">Contact Us</a></li> 334 </ul> 335 336 <div class="header_content"><p><strong>949-858-7200 | <a href="mailto:[so field=\"email\"]">[email protected]</a></strong></p></div> 337 <nav class="nav-container"> 338 <div class="nav"> 339 340 <ul id="nav"> 341 <li id="menu-item-468" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-468 publish"><a href="https://www.cotoinsurance.com/life-insurance/">Life Insurance</a></li> 342<li id="menu-item-337" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-337 publish"><a href="https://www.cotoinsurance.com/our-services/">Retirement Planning</a></li> 343<li id="menu-item-467" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-467 publish"><a href="#">Quotes</a> 344<ul class="sub-menu"> 345 <li id="menu-item-16523" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16523 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoEntry/infoEntry.asp?InsuranceTypeId=D&license_no=ZN8GS7">Dental Insurance</a></li> 346 <li id="menu-item-5610" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5610 publish"><a href="https://www.cotoinsurance.com/disability-insurance/">Disability Insurance</a></li> 347 <li id="menu-item-2350" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2350 publish"><a href="https://www.cotoinsurance.com/final-expense-insurance/">Final Expense Insurance</a></li> 348 <li id="menu-item-487" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-487 publish"><a href="https://www.cotoinsurance.com/home-auto-insurance/">Home and Auto Insurance</a></li> 349 <li id="menu-item-16522" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16522 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoEntry/infoEntry.asp?license_no=ZN8GS7">Health Insurance</a></li> 350 <li id="menu-item-12422" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-12422 publish"><a href="https://www.cotoinsurance.com/life-insurance/">Life Insurance</a></li> 351 <li id="menu-item-5681" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5681 publish"><a href="https://www.cotoinsurance.com/long-term-care-insurance/">Long Term Care Insurance</a></li> 352 <li id="menu-item-16524" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16524 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoentry/infoEntry.asp?covTypeID=ES&InsuranceTypeId=G&license_no=ZN8GS7">Medicare Plans</a></li> 353 <li id="menu-item-16543" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16543 publish">
353<a target="_blank" href="https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=166391&personalized=y">Travel Insurance</a></li> 354</ul> 355</li> 356<li id="menu-item-2512" class="menu-item menu-item-type-custom menu-item-object-custom current-menu-ancestor current-menu-parent menu-item-has-children menu-item-2512 publish"><a href="#">Merchandise</a> 357<ul class="sub-menu"> 358 <li id="menu-item-338" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-22 current_page_item menu-item-338 publish"><a href="https://www.cotoinsurance.com/blog/" aria-current="page">Articles</a></li> 359 <li id="menu-item-2511" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2511 publish"><a href="https://www.cotoinsurance.com/video-library/">Video Library</a></li> 360 <li id="menu-item-16469" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-16469 publish"><a href="https://www.cotoinsurance.com/coto-merchandise/">Order Coto Hats and Mugs!</a></li> 361</ul> 362</li> 363<li id="menu-item-477" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-477 publish"><a href="https://www.cotoinsurance.com/our-team/">Our Team</a></li> 364 </ul> 365 366 </div> 367 </nav> 368 369 </div> 370 371 <div class="clear"></div> 372 373</header> 374 <div id="wrap"> 375 376 <div class="content"> 377 378 <div class="postarea"> 379 <div id="6ac2864eceb7a" class="band dark_grey light" style="border-top:; border-bottom:"><div class="row " style="margin-top:; margin-bottom:"><p style="text-align: center"><span class="h1">COTO Insurance & Financial Services Blog</span> 380<p style="text-align: center"><span class="h4">Select an article below to read more.</span> 381</div> 382</div> 383<div id="6ac2864ecf0de" class="band " style="border-top:; border-bottom:"><div class="row " style="margin-top:; margin-bottom:"><div id="6ac2864ecf4e0" class="grid-items spaced gap_" data-type=""><div class="grid-item seven-tenth" id="6ac2864ecf6f1" ><div class="inner "><div id='wp_page_numbers'> 384<ul><li class="page_info">Page 1 of 39</li><li class="active_page"><a href="https://www.cotoinsurance.com/blog/">1</a></li> 385<li><a href="https://www.cotoinsurance.com/blog/page/2/">2</a></li> 386<li><a href="https://www.cotoinsurance.com/blog/page/3/">3</a></li> 387<li><a href="https://www.cotoinsurance.com/blog/page/4/">4</a></li> 388<li><a href="https://www.cotoinsurance.com/blog/page/5/">5</a></li> 389<li><a href="https://www.cotoinsurance.com/blog/page/6/">6</a></li> 390<li><a href="https://www.cotoinsurance.com/blog/page/7/">7</a></li> 391<li><a href="https://www.cotoinsurance.com/blog/page/8/">8</a></li> 392<li><a href="https://www.cotoinsurance.com/blog/page/9/">9</a></li> 393<li><a href="https://www.cotoinsurance.com/blog/page/10/">10</a></li> 394<li class="space">...</li> 395<li class="first_last_page"><a href="https://www.cotoinsurance.com/blog/page/39/">39</a></li> 396<li><a href="https://www.cotoinsurance.com/blog/page/2/">></a></li> 397</ul> 398<div style='float: none; clear: both;'></div> 399</div> 400<div id="recentarticles" class=""><div class="post hasImage hasTitle"><div class="holder"><a href="https://www.cotoinsurance.com/how-much-life-insurance-do-you-need/" rel="Read more"><span class="post_image" style="background-image:url(https://www.cotoinsurance.com/wp-content/uploads/sites/5/2025/07/Life_insurance.jpg)"></span></a></div><div class="post_content"><h5><a href="https://www.cotoinsurance.com/how-much-life-insurance-do-you-need/">How Much Life Insurance Do You Really Need?</a></h5><span><em class="icon icon-calendar"></em> July 11, 2025</span><p>A common recommendation is to carry life insurance worth 10 to 15 times your annual income. While this is a useful starting point, it is not a one size fits all formula.</p> 401<div class="addthis_toolbox addthis_default_style left" addthis:url="https://www.cotoinsurance.com/how-much-life-insurance-do-you-need/" addthis:title="How Much Life Insurance Do You Really Need?"><a class="addthis_button_facebook_like" fb:like:layout="button_count"></a><a class="addthis_button_tweet"></a><a class="addthis_counter addthis_pill_style"></a></div><p style="text-align:right;" class="centerMobile"><a class="button small" href="https://www.cotoinsurance.com/how-much-life-insurance-do-you-need/" rel="Read more">Read More <em class="icon icon-angle-double-right"></em></a></p></div></div><div class="post hasImage hasTitle"><div class="holder"><a href="https://www.cotoinsurance.com/the-surprising-benefits-of-term-life-insurance-for-young-families/" rel="Read more"><span class="post_image" style="background-image:url(https://www.cotoinsurance.com/wp-content/uploads/sites/5/2025/07/family-with-baby-e1752241926219.jpg)"></span></a></div><div class="post_content"><h5><a href="https://www.cotoinsurance.com/the-surprising-benefits-of-term-life-insurance-for-young-families/">The Surprising Benefits of Term Life Insurance for Young Families</a></h5><span><em class="icon icon-calendar"></em> July 10, 2025</span>
401<p>Applying for term life insurance while you are still young and healthy means you can lock in the lowest possible rates. The longer you wait, the more expensive coverage may become.</p> 402<div class="addthis_toolbox addthis_default_style left" addthis:url="https://www.cotoinsurance.com/the-surprising-benefits-of-term-life-insurance-for-young-families/" addthis:title="The Surprising Benefits of Term Life Insurance for Young Families"><a class="addthis_button_facebook_like" fb:like:layout="button_count"></a><a class="addthis_button_tweet"></a><a class="addthis_counter addthis_pill_style"></a></div><p style="text-align:right;" class="centerMobile"><a class="button small" href="https://www.cotoinsurance.com/the-surprising-benefits-of-term-life-insurance-for-young-families/" rel="Read more">Read More <em class="icon icon-angle-double-right"></em></a></p></div></div><div class="post hasImage hasTitle"><div class="holder"><a href="https://www.cotoinsurance.com/term-life-insurance-vs-permanent-life-insurance-which-one-is-right-for-you/" rel="Read more"><span class="post_image" style="background-image:url(https://www.cotoinsurance.com/wp-content/uploads/sites/5/2025/07/Insurance-Which-is-Best.jpg)"></span></a></div><div class="post_content"><h5><a href="https://www.cotoinsurance.com/term-life-insurance-vs-permanent-life-insurance-which-one-is-right-for-you/">Term Life Insurance vs. Permanent Life Insurance: Which One Is Right for You</a></h5><span><em class="icon icon-calendar"></em> July 9, 2025</span><p>When shopping for life insurance, one of the first and most important decisions you will face is whether to choose term life insurance or permanent life insurance. Here’s what you should know…</p> 403<div class="addthis_toolbox addthis_default_style left" addthis:url="https://www.cotoinsurance.com/term-life-insurance-vs-permanent-life-insurance-which-one-is-right-for-you/" addthis:title="Term Life Insurance vs. Permanent Life Insurance: Which One Is Right for You"><a class="addthis_button_facebook_like" fb:like:layout="button_count"></a><a class="addthis_button_tweet"></a><a class="addthis_counter addthis_pill_style"></a></div><p style="text-align:right;" class="centerMobile"><a class="button small" href="https://www.cotoinsurance.com/term-life-insurance-vs-permanent-life-insurance-which-one-is-right-for-you/" rel="Read more">Read More <em class="icon icon-angle-double-right"></em></a></p></div></div><div class="post hasImage hasTitle"><div class="holder"><a href="https://www.cotoinsurance.com/5-signs-it-is-time-to-update-your-life-insurance-policy/" rel="Read more"><span class="post_image" style="background-image:url(https://www.cotoinsurance.com/wp-content/uploads/sites/5/2025/07/milestones.jpg)"></span></a></div><div class="post_content"><h5><a href="https://www.cotoinsurance.com/5-signs-it-is-time-to-update-your-life-insurance-policy/">5 Signs It Is Time to Update Your Life Insurance Policy</a></h5><span><em class="icon icon-calendar"></em> July 8, 2025</span><p>Significant life events often require a fresh look at your insurance coverage. Whether you have welcomed a new child, purchased a home, or launched a business, these milestones can dramatically shift your financial obligations.</p> 404<div class="addthis_toolbox addthis_default_style left" addthis:url="https://www.cotoinsurance.com/5-signs-it-is-time-to-update-your-life-insurance-policy/" addthis:title="5 Signs It Is Time to Update Your Life Insurance Policy"><a class="addthis_button_facebook_like" fb:like:layout="button_count"></a><a class="addthis_button_tweet"></a><a class="addthis_counter addthis_pill_style"></a></div><p style="text-align:right;" class="centerMobile"><a class="button small" href="https://www.cotoinsurance.com/5-signs-it-is-time-to-update-your-life-insurance-policy/" rel="Read more">Read More <em class="icon icon-angle-double-right"></em></a></p></div></div></div><div id='wp_page_numbers'> 405<ul><li class="page_info">Page 1 of 39</li><li class="active_page"><a href="https://www.cotoinsurance.com/blog/">1</a></li> 406<li><a href="https://www.cotoinsurance.com/blog/page/2/">2</a></li> 407<li><a href="https://www.cotoinsurance.com/blog/page/3/">3</a></li> 408<li><a href="https://www.cotoinsurance.com/blog/page/4/">4</a></li> 409<li><a href="https://www.cotoinsurance.com/blog/page/5/">5</a></li> 410<li><a href="https://www.cotoinsurance.com/blog/page/6/">6</a></li> 411<li><a href="https://www.cotoinsurance.com/blog/page/7/">7</a></li> 412<li><a href="https://www.cotoinsurance.com/blog/page/8/">8</a></li> 413<li><a href="https://www.cotoinsurance.com/blog/page/9/">9</a></li> 414<li><a href="https://www.cotoinsurance.com/blog/page/10/">10</a></li> 415<li class="space">...</li> 416<li class="first_last_page"><a href="https://www.cotoinsurance.com/blog/page/39/">39</a></li> 417<li><a href="https://www.cotoinsurance.com/blog/page/2/">></a></li> 418</ul> 419<div style='float: none; clear: both;'></div> 420</div> 421 422</div></div>
423<div class="grid-item three-tenth" id="6ac2864ed319d" ><div class="inner "><div class="inside"><div class="sidebar" ><ul><div class="box widget"> <div class="textwidget"><h3>COTO Insurance & Financial Services</h3> 424<h6>From Life Insurance to Retirement Planning, weâve got you covered.</h6> 425<div data-type="" data-target="" class="icon_list" id=""><ul> 426<li><em id="6ac2864ed405b" class="icon icon-phone icon-"></em> Phone<br /> 427<strong>949-858-7200</strong></li> 428<li><em id="6ac2864ed4074" class="icon icon-fax icon-"></em> Fax<br /> 429<strong>949-858-7301</strong></li> 430<li><em id="6ac2864ed4083" class="icon icon-envelope icon-"></em> Email<br /> 431<strong><a href="mailto:[email protected]">[email protected]</a></strong></li> 432<li><em id="6ac2864ed4090" class="icon icon-map-marker icon-"></em> 433<strong>200 Spectrum Center Dr. Ste 150 <br class=""/> 434Irvine, CA 92618</strong></li> 435</ul> 436</div> 437 438</div> 439 </div></ul></div></div> 440</div></div> 441</div> 442</div> 443</div> 444 </div> 445 446 447 448 <div class="clear"></div> 449 450 </div> <!-- end .content --> 451 452 <div id="footer-container"> 453 <div id="footer"> 454 455 <div class="grid-items noMarginTop"> 456 <div class="grid-item one-half"> 457 <div class="inner noPaddingBottom"> 458 <p id="copyright">© 2026 COTO Insurance & Financial Services | License Number: 0G50621</p> 459 </div> 460 </div> 461 <div class="grid-item one-half"> 462 <div class="inner noPaddingBottom"> 463 464 <div id="social-icons"> 465 <ul> 466 <li><a title="Visit us on facebook" href="https://www.facebook.com/CotoInsurance/" target="_blank" class="icon icon-facebook"></a></li> 467 <li><a title="Visit us on Twitter" href="https://twitter.com/cotoins" target="_blank" class="icon icon-twitter"></a></li> 468 <li><a title="Visit us on youtube" href="https://www.youtube.com/channel/UCb5eMpdGOX2npo-G2SJ_MCA" target="_blank" class="icon icon-youtube"></a></li> 469 <li><a title="Visit us on Instagram" href="https://www.instagram.com/vickigunvalson/" target="_blank" class="icon icon-instagram"></a></li> 470 </ul> 471</div> 472 <ul class="footernav"> 473 <li id="menu-item-342" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-342 publish"><a href="https://www.cotoinsurance.com/">Home</a></li> 474<li id="menu-item-610" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-610 publish"><a href="https://www.cotoinsurance.com/privacy-policy/">Privacy Policy</a></li> 475<li id="menu-item-340" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-340 publish"><a href="https://www.cotoinsurance.com/contact-us/">Contact Us</a></li> 476 </ul> 477 </div> 478 </div> 479 </div> 480 481 <div id="disclosure"> 482 <p>*Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier.</p> 483<p> </p> 484 </div> 485 486 </div> 487 </div> 488 489</div> <!-- end wrap --> 490 491<div class="supernav-container"> 492 493 <div class="supernav"> 494 495 <div class="header_content"> 496 <p><strong>949-858-7200 | <a href="mailto:[so field=\"email\"]">[email protected]</a></strong></p> </div> 497 498 <hr/> 499 500 <ul> 501 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-468 publish"><a href="https://www.cotoinsurance.com/life-insurance/">Life Insurance</a></li> 502<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-337 publish"><a href="https://www.cotoinsurance.com/our-services/">Retirement Planning</a></li> 503<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-467 publish"><a href="#">Quotes</a> 504<ul class="sub-menu"> 505 <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16523 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoEntry/infoEntry.asp?InsuranceTypeId=D&license_no=ZN8GS7">Dental Insurance</a></li> 506 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5610 publish"><a href="https://www.cotoinsurance.com/disability-insurance/">Disability Insurance</a></li> 507 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2350 publish"><a href="https://www.cotoinsurance.com/final-expense-insurance/">Final Expense Insurance</a></li> 508 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-487 publish"><a href="https://www.cotoinsurance.com/home-auto-insurance/">Home and Auto Insurance</a></li> 509 <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16522 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoEntry/infoEntry.asp?license_no=ZN8GS7">Health Insurance</a></li> 510 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-12422 publish"><a href="https://www.cotoinsurance.com/life-insurance/">Life Insurance</a></li> 511 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5681 publish"><a href="https://www.cotoinsurance.com/long-term-care-insurance/">Long Term Care Insurance</a></li> 512 <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16524 publish"><a target="_blank" href="https://www.quotit.net/eproIFP/webPages/infoentry/infoEntry.asp?covTypeID=ES&InsuranceTypeId=G&license_no=ZN8GS7">Medicare Plans</a></li> 513 <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-16543 publish">
513<a target="_blank" href="https://bcbsglobalsolutions.com/individuals-and-families/international-medical-insurance/?header=y&link_id=166391&personalized=y">Travel Insurance</a></li> 514</ul> 515</li> 516<li class="menu-item menu-item-type-custom menu-item-object-custom current-menu-ancestor current-menu-parent menu-item-has-children menu-item-2512 publish"><a href="#">Merchandise</a> 517<ul class="sub-menu"> 518 <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-22 current_page_item menu-item-338 publish"><a href="https://www.cotoinsurance.com/blog/" aria-current="page">Articles</a></li> 519 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2511 publish"><a href="https://www.cotoinsurance.com/video-library/">Video Library</a></li> 520 <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-16469 publish"><a href="https://www.cotoinsurance.com/coto-merchandise/">Order Coto Hats and Mugs!</a></li> 521</ul> 522</li> 523<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-477 publish"><a href="https://www.cotoinsurance.com/our-team/">Our Team</a></li> 524 </ul> 525 526 <hr><ul><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2719 publish"><a href="https://www.cotoinsurance.com/contact-us/">Contact Us</a></li> 527</ul> 528 <hr/> 529 530 <div id="social-icons"> 531 <ul> 532 <li><a title="Visit us on facebook" href="https://www.facebook.com/CotoInsurance/" target="_blank" class="icon icon-facebook"></a></li> 533 <li><a title="Visit us on Twitter" href="https://twitter.com/cotoins" target="_blank" class="icon icon-twitter"></a></li> 534 <li><a title="Visit us on youtube" href="https://www.youtube.com/channel/UCb5eMpdGOX2npo-G2SJ_MCA" target="_blank" class="icon icon-youtube"></a></li> 535 <li><a title="Visit us on Instagram" href="https://www.instagram.com/vickigunvalson/" target="_blank" class="icon icon-instagram"></a></li> 536 </ul> 537</div> 538 <div class="clear"></div> 539 540 </div> 541 542 <div class="supernav-background"></div> 543 544</div>
545<script type="speculationrules"> 546{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/wp-content/uploads/sites/5/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/My-Advisor-Site/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} 547</script>
547 548
548<script> 549 550 jQuery(document).ready(function($) { 551 552 var ajax_url = "https://www.cotoinsurance.com/wp-admin/admin-ajax.php"; 553 554 var EMP_cf7_paypal = $('[name="EMP_cf7_paypal"]'); 555 556 if(EMP_cf7_paypal.length) { 557 558 var redirect_url = ''; 559 560 var EMP_cf7_paypal_form = EMP_cf7_paypal.parents("form:first"); 561 562 var EMP_cf7_paypal_button = EMP_cf7_paypal_form.find('input[type="submit"]'); 563 564 var item_name = $('[name="EMP_cf7_paypal_item_name"]'); 565 566 var paypal_item_1_name = $('[name="EMP_cf7_paypal_item_1_name"]'); 567 var paypal_item_1_quanitity = $('[name="EMP_cf7_paypal_item_1_quanitity"]'); 568 var paypal_item_1_price = $('[name="EMP_cf7_paypal_item_1_price"]'); 569 570 var paypal_item_2_name = $('[name="EMP_cf7_paypal_item_2_name"]'); 571 var paypal_item_2_quanitity = $('[name="EMP_cf7_paypal_item_2_quanitity"]'); 572 var paypal_item_2_price = $('[name="EMP_cf7_paypal_item_2_price"]'); 573 574 var paypal_item_3_name = $('[name="EMP_cf7_paypal_item_3_name"]'); 575 var paypal_item_3_quanitity = $('[name="EMP_cf7_paypal_item_3_quanitity"]'); 576 var paypal_item_3_price = $('[name="EMP_cf7_paypal_item_3_price"]'); 577 578 var paypal_item_4_name = $('[name="EMP_cf7_paypal_item_4_name"]'); 579 var paypal_item_4_quanitity = $('[name="EMP_cf7_paypal_item_4_quanitity"]'); 580 var paypal_item_4_price = $('[name="EMP_cf7_paypal_item_4_price"]'); 581 582 var paypal_item_5_name = $('[name="EMP_cf7_paypal_item_5_name"]'); 583 var paypal_item_5_quanitity = $('[name="EMP_cf7_paypal_item_5_quanitity"]'); 584 var paypal_item_5_price = $('[name="EMP_cf7_paypal_item_5_price"]'); 585 586 $('body').on('change', '[name="EMP_cf7_paypal_item_1_quanitity"], [name="EMP_cf7_paypal_item_2_quanitity"], [name="EMP_cf7_paypal_item_3_quanitity"], [name="EMP_cf7_paypal_item_4_quanitity"], [name="EMP_cf7_paypal_item_5_quanitity"]', function() { 587 EMP_cf7_paypal_calculate_price(); 588 }); 589 590 EMP_cf7_paypal_calculate_price(); 591 592 function EMP_cf7_paypal_calculate_price() { 593 594 getPaypalPrice().then(function(response) { 595 $('[data-id="EMP_cf7_paypal_breakdown_sub_total"]').html('$'+EMP_cf7_paypal_format_money(response.sub_total)); 596 $('[data-id="EMP_cf7_paypal_breakdown_fees"]').html('$'+EMP_cf7_paypal_format_money(response.fees)); 597 $('[data-id="EMP_cf7_paypal_breakdown_total"]').html('$'+EMP_cf7_paypal_format_money(response.total)); 598 599 $('[name="EMP_cf7_paypal_breakdown_sub_total"]').val('$'+EMP_cf7_paypal_format_money(response.sub_total)); 600 $('[name="EMP_cf7_paypal_breakdown_fees"]').val('$'+EMP_cf7_paypal_format_money(response.fees)); 601 $('[name="EMP_cf7_paypal_breakdown_total"]').val('$'+EMP_cf7_paypal_format_money(response.total)); 602 }); 603 604 getPaypalRedirectURL().then(function(response) { 605 redirect_url = response; 606 }); 607 608 } 609 610 $('.wpcf7')[0].addEventListener("wpcf7mailsent", function( event ) { 611 // An empty URL means the order came to $0.00. PayPal rejects a 612 // zero-amount _xclick, so stay on the success message instead. 613 if(redirect_url) window.location = redirect_url; 614 }, false ); 615 616 } 617 618 function getPaypalPrice() { 619 var data = { 620 'action': 'getPaypalPrice', 621 622 'item_name': item_name.val(), 623 624 'paypal_item_1_name': paypal_item_1_name.val(), 625 'paypal_item_1_quanitity': paypal_item_1_quanitity.val(), 626 'paypal_item_1_price': paypal_item_1_price.val(), 627 628 'paypal_item_2_name': paypal_item_2_name.val(), 629 'paypal_item_2_quanitity': paypal_item_2_quanitity.val(), 630 'paypal_item_2_price': paypal_item_2_price.val(), 631 632 'paypal_item_3_name': paypal_item_3_name.val(), 633 'paypal_item_3_quanitity': paypal_item_3_quanitity.val(), 634 'paypal_item_3_price': paypal_item_3_price.val(), 635 636 'paypal_item_4_name': paypal_item_4_name.val(), 637 'paypal_item_4_quanitity': paypal_item_4_quanitity.val(), 638 'paypal_item_4_price': paypal_item_4_price.val(), 639 640 'paypal_item_5_name': paypal_item_5_name.val(), 641 'paypal_item_5_quanitity': paypal_item_5_quanitity.val(), 642 'paypal_item_5_price': paypal_item_5_price.val(), 643 }; 644 645 return jQuery.ajax({ 646 type: 'POST', 647 data: data, 648 dataType: 'json', 649 async: true, 650 url: ajax_url, 651 success: function (response) { 652 return response; 653 } 654 }); 655 } 656 657 function getPaypalRedirectURL() { 658 var data = { 659 'action': 'getPaypalRedirectURL', 660 661 'item_name': item_name.val(), 662 663 'paypal_item_1_name': paypal_item_1_name.val(), 664 'paypal_item_1_quanitity': paypal_item_1_quanitity.val(), 665 'paypal_item_1_price': paypal_item_1_price.val(), 666 667 'paypal_item_2_name': paypal_item_2_name.val(), 668 'paypal_item_2_quanitity': paypal_item_2_quanitity.val(), 669 'paypal_item_2_price': paypal_item_2_price.val(), 670 671 'paypal_item_3_name': paypal_item_3_name.val(), 672 'paypal_item_3_quanitity': paypal_item_3_quanitity.val(), 673 'paypal_item_3_price': paypal_item_3_price.val(), 674 675 'paypal_item_4_name': paypal_item_4_name.val(), 676 'paypal_item_4_quanitity': paypal_item_4_quanitity.val(), 677 'paypal_item_4_price': paypal_item_4_price.val(), 678 679 'paypal_item_5_name': paypal_item_5_name.val(), 680 'paypal_item_5_quanitity': paypal_item_5_quanitity.val(), 681 'paypal_item_5_price': paypal_item_5_price.val(), 682 }; 683 684 return jQuery.ajax({ 685 type: 'POST', 686 data: data, 687 dataType: 'json', 688 async: true, 689 url: ajax_url, 690 success: function (response) { 691 return response; 692 } 693 }); 694 } 695 696 function EMP_cf7_paypal_format_money(n, c, d, t) { 697 var c = isNaN(c = Math.abs(c)) ? 2 : c, 698 d = d == undefined ? "." : d, 699 t = t == undefined ? "," : t, 700 s = n < 0 ? "-" : "", 701 i = String(parseInt(n = Math.abs(Number(n) || 0).toFixed(c))), 702 j = (j = i.length) > 3 ? j % 3 : 0; 703 704 return s + (j ? i.substr(0, j) + t : "") + i.substr(j).replace(/(\d{3})(?=\d)/g, "$1" + t) + (c ? d + Math.abs(n - i).toFixed(c).slice(2) : ""); 705 }; 706 707 }); 708 709 </script>
709 710 <img src="https://rdcdn.com/rt?aid=29077&e=1&img=1" height="1" width="1" referrerpolicy="no-referrer-when-downgrade" />
710<script id="thickbox-js-extra"> 711var thickboxL10n = {"next":"Next \u003E","prev":"\u003C Prev","image":"Image","of":"of","close":"Close","noiframes":"This feature requires inline frames. You have iframes disabled or your browser does not support them.","loadingAnimation":"https://www.cotoinsurance.com/wp-includes/js/thickbox/loadingAnimation.gif"}; 712//# sourceURL=thickbox-js-extra 713</script>
vendor: 1 bytes, line 713
713
714<script id="thickbox-js" src="https://www.cotoinsurance.com/wp-includes/js/thickbox/thickbox.js?ver=3.1-20121105"></script>
vendor: 1 bytes, line 714
714
715<script id="underscore-js" src="https://www.cotoinsurance.com/wp-includes/js/underscore.min.js?ver=1.13.8"></script>
vendor: 1 bytes, line 715
715
716<script id="shortcode-js" src="https://www.cotoinsurance.com/wp-includes/js/shortcode.min.js?ver=7.0.5"></script>
vendor: 1 bytes, line 716
716
717<script id="media-upload-js" src="https://www.cotoinsurance.com/wp-admin/js/media-upload.min.js?ver=7.0.5"></script>
vendor: 1 bytes, line 717
717
718<script id="jquery-ui-core-js" src="https://www.cotoinsurance.com/wp-includes/js/jquery/ui/core.min.js?ver=1.13.3"></script>
vendor: 1 bytes, line 718
718
719<script id="jquery-ui-datepicker-js" src="https://www.cotoinsurance.com/wp-includes/js/jquery/ui/datepicker.min.js?ver=1.13.3"></script>
vendor: 1 bytes, line 719
719
720<script id="jquery-ui-datepicker-js-after"> 721jQuery(function(jQuery){jQuery.datepicker.setDefaults({"closeText":"Close","currentText":"Today","monthNames":["January","February","March","April","May","June","July","August","September","October","November","December"],"monthNamesShort":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"nextText":"Next","prevText":"Previous","dayNames":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"dayNamesShort":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"],"dayNamesMin":["S","M","T","W","T","F","S"],"dateFormat":"MM d, yy","firstDay":1,"isRTL":false});}); 722//# sourceURL=jquery-ui-datepicker-js-after 723</script>
vendor: 1 bytes, line 723
723
724<script id="wp-hooks-js" src="https://www.cotoinsurance.com/wp-includes/js/dist/hooks.min.js?ver=7496969728ca0f95732d"></script>
vendor: 1 bytes, line 724
724
725<script id="wp-i18n-js" src="https://www.cotoinsurance.com/wp-includes/js/dist/i18n.min.js?ver=781d11515ad3d91786ec"></script>
vendor: 1 bytes, line 725
725
726<script id="wp-i18n-js-after"> 727wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); 728//# sourceURL=wp-i18n-js-after 729</script>
vendor: 1 bytes, line 729
729
730<script id="swv-js" src="https://www.cotoinsurance.com/wp-content/plugins/contact-form-7/includes/swv/js/index.js?ver=6.1.7"></script>
vendor: 1 bytes, line 730
730
731<script id="contact-form-7-js-before"> 732var wpcf7 = { 733 "api": { 734 "root": "https:\/\/www.cotoinsurance.com\/wp-json\/", 735 "namespace": "contact-form-7\/v1" 736 }, 737 "cached": 1 738}; 739//# sourceURL=contact-form-7-js-before 740</script>
vendor: 1 bytes, line 740
740
741<script id="contact-form-7-js" src="https://www.cotoinsurance.com/wp-content/plugins/contact-form-7/includes/js/index.js?ver=6.1.7"></script>
vendor: 1 bytes, line 741
741
742<script id="theme-my-login-js-extra"> 743var themeMyLogin = {"action":"","errors":[],"autofocus":"1","showPasswordLabel":"Show password","hidePasswordLabel":"Hide password"}; 744//# sourceURL=theme-my-login-js-extra 745</script>
vendor: 1 bytes, line 745
745
746<script id="theme-my-login-js" src="https://www.cotoinsurance.com/wp-content/plugins/theme-my-login/assets/scripts/theme-my-login.min.js?ver=7.2.2"></script>
vendor: 1 bytes, line 746
746
747<script id="addthis-js" src="//s7.addthis.com/js/300/addthis_widget.js?ver=1.0"></script>
vendor: 1 bytes, line 747
747
748<script id="matchHeight-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/plugins/jquery.matchHeight.js?ver=1.0"></script>
vendor: 1 bytes, line 748
748
749<script id="isMobile-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/plugins/isMobile.js?ver=1.0"></script>
vendor: 1 bytes, line 749
749
750<script id="easing-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/plugins/jquery.easing.1.3.2.min.js?ver=1.0"></script>
vendor: 1 bytes, line 750
750
751<script id="modernizr-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/plugins/jquery.modernizr.js?ver=1.0"></script>
vendor: 1 bytes, line 751
751
752<script id="carousel-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/plugins/owl.carousel.min.js?ver=1.0"></script>
vendor: 1 bytes, line 752
752
753<script id="emp_main-js" src="https://www.cotoinsurance.com/wp-content/themes/My-Advisor-Site/js/main.js?ver=1.0"></script>
vendor: 1 bytes, line 753
753
754<script id="page-links-to-js" src="https://www.cotoinsurance.com/wp-content/plugins/page-links-to/dist/new-tab.js?ver=3.4.1"></script>
vendor: 86 bytes, lines 754-755
754 755<script id="google-recaptcha-js" src="https://www.google.com/recaptcha/api.js?render=
7556LeB6SApAAAAAMDzIcq_OZ5AxvFDASqVcuboyjag
vendor: 25 bytes, line 755
755&ver=3.0"></script>
756<script id="wp-polyfill-js" src="https://www.cotoinsurance.com/wp-includes/js/dist/vendor/wp-polyfill.min.js?ver=3.15.0"></script>
vendor: 1 bytes, line 756
756
757<script id="wpcf7-recaptcha-js-before"> 758var wpcf7_recaptcha = { 759 "sitekey": "6LeB6SApAAAAAMDzIcq_OZ5AxvFDASqVcuboyjag", 760 "actions": { 761 "homepage": "homepage", 762 "contactform": "contactform" 763 } 764}; 765//# sourceURL=wpcf7-recaptcha-js-before 766</script>
vendor: 1 bytes, line 766
766
767<script id="wpcf7-recaptcha-js" src="https://www.cotoinsurance.com/wp-content/plugins/contact-form-7/modules/recaptcha/index.js?ver=6.1.7"></script>
vendor: 1 bytes, line 767
767
768<script id="googlesitekit-events-provider-contact-form-7-js" src="https://www.cotoinsurance.com/wp-content/plugins/google-site-kit/dist/assets/js/googlesitekit-events-provider-contact-form-7-fac2a8013ba5ba355cd0.js" defer></script>
vendor: 1 bytes, line 768
768
769<script id="googlesitekit-events-provider-content-events-js-before"> 770window._googlesitekit = window._googlesitekit || {}; 771window._googlesitekit.contentEvents = {"postID":22,"isSinglePost":false,"hasVimeoEmbed":false}; 772//# sourceURL=googlesitekit-events-provider-content-events-js-before 773</script>
vendor: 1 bytes, line 773
773
774<script id="googlesitekit-events-provider-content-events-js" src="https://www.cotoinsurance.com/wp-content/plugins/google-site-kit/dist/assets/js/googlesitekit-events-provider-content-events-c7172f3fd0e4d5ad62ef.js" defer></script>
774 775
776<script type="application/ld+json"> 777 778 /* BUSINESS SCHEMA */ 779 { 780 "@type": "LocalBusiness", 781 "address": { 782 "@type": "PostalAddress", 783 "addressLocality": "Irvine", 784 "addressRegion": "CA", 785 "streetAddress": "200 Spectrum Center Dr. Ste 150" 786 }, 787 "description": "Our goal is to offer a lifelong relationship, built on loyalty and trust. At Coto Insurance & Financial Services, (CIFS) our sole focus is YOU and assisting you on reaching your goals. Guaranteed!", 788 "name": "COTO Insurance & Financial Services", 789 "telephone": "949-858-7200" 790 } 791 792 793</script>
793 794
795<script type="text/javascript">var $zoho=$zoho || {};$zoho.salesiq = $zoho.salesiq || {widgetcode: "5722671fed051d7755e9b203182fa44794b321f87cb3f16548b0ee61896d36242650a6eb66581451abaf530109e1f41f", values:{},ready:function(){}};var d=document;s=d.createElement("script");s.type="text/javascript";s.id="zsiqscript";s.defer=true;s.src="https://salesiq.zoho.com/widget";t=d.getElementsByTagName("script")[0];t.parentNode.insertBefore(s,t);"<div id='zsiqwidget'></div>"</script>
795 796</body> 797</html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.