Marley Financial Group offers a range of insurance solutions, including ACA insurance. The Affordable Care Act (ACA) is a landmark healthcare reform law that aims to provide Americans with access to affordable and comprehensive health insurance coverage. Marley Financial Group understands the complexities of the ACA and helps individuals and businesses navigate through the intricacies of the healthcare marketplace. With their expertise and deep understanding of the ACA regulations, Marley Financial Group ensures that their clients find the right ACA insurance plans that suit their unique needs and budget. Whether it’s individual coverage or group plans for businesses, Marley Financial Group provides personalized guidance and support, making the process of selecting and enrolling in ACA insurance a seamless experience for their clients.

In 26 years, we have never had a retirement plan fail. This has been made possible entirely by listening to what our clients need, and aligning those needs with the appropriate mix of services to truly fit their lifestyle and goals. There are so many important questions to ask when preparing for your retirement, but you may not know exactly what they are — luckily we do! Our team is dedicated to creating a safe and reasonable approach for your retirement plan.

Retirement & Life Planning Services

•   Investment
•   Tax Savings
•   Income Planning

Your Benefits, From Our Retirement Planning

•   Without escalating risk, we can increase your income.

•   As with all of our services, we prefer to educate rather than just place you on a policy and walk away. In this case, we will keep you informed on how to coordinate your Social Security with Qualified and Non-qualified assets reducing both your taxes and your exposure.

•   We want your money to remain yours, not the government’s. We can aid in the protection of your assets, lower your tax responsibilities, and curtail any chances for seizure of your assets under current Medicaid laws.

Tax Planning

Our tax planning assistance is as thorough as every service we provide. Our end goal is to consistently find ways to protect your assets and ensure your and your family’s futures are secure.  

•   We offer services for all traditional tax preparation and planning.

•   We combine your retirement planning with your tax planning to maximize your benefits.

•   We will evaluate your overall financials to reduce your risk, exposure and overall liability.

As mentioned, we are the first agency in the nation to provide faith-based, pro-life health insurance options. We are able to do so via the health sharing ministries insurance options, which are members of the faith community that provide health plans for those with same strong beliefs. In other words, we do not provide policies with insurance companies that support things you may find spiritually or morally objectionable. For more information and for a free quote, please visit our Pro-Life Health Insurance site today.

Plans Pro-Life Health Insurance Offers:

•   Pro-life health
•   Non Obama Care
•   Group Health Insurance
•   Supplemental health insurance

Universal life insurance is defined right in the name, universal! This plan combines permanent life insurance with investment savings and low premiums, including flexible options for said premiums. There are also some universal life insurance policies that require a single premium (single lump-sum premium) or fixed premiums (scheduled fixed premiums) which are comprised of two components, a cost of insurance (COI) amount, and a saving component, known as the cash value.

Positives Universal Life Insurance

  •   Policyholders can take comfort in the flexibility of this plan, knowing they can adjust their premiums and death benefits if/when needed.

  •   Universal life insurance policies function similarly to traditional savings accounts in that they can accumulate cash value. However, the interest accrued will be based on current market or minimum interest rates, depending on which is higher.

  •   As cash value accrues, the policyholders have access to a piece of the cash value without negatively altering the guaranteed death benefit.

Negatives Universal Life Insurance

  •   If cash value is obtained from the policy, the holder will have to pay taxes on that windrawl.

  •   If the market and interest values are not high, your cash value accrual rate will suffer.

This is a life insurance plan meant for long-term policy holders and provides lifelong protection to you and your beneficiaries. It is very important to ask what your premiums will cost over the long term and ensure your ability to pay them.

Positives Permanent Life Insurance

  •   The ability to obtain the “cash value” or “cash surrender value” can be tremendously helpful to you in life, as well as to your beneficiaries upon passing. If you need to temporarily stop paying premiums out of pocket, you can frequently utilize the cash surrender value.

  •   You can borrow from the cash value gained on a tax-deferred basis, in the event you are experiencing financial difficulties.

  •   You may use the “cash surrender value” by actually surrendering, partially or fully, your policy. You may then chose either the cash value in total or convert it to an annuity. (*Annuity is an insurance offering that maintains income for a person’s lifespan, or can be designated for a specified allotment of time.)

Negatives Permanent Life Insurance

  •   There are requirements on the premium levels that must be set, as a result it can be hard to afford the right amount of protection at the onset of purchasing.

  •   If you end up surrendering your policy, it may end up costing more than if you’d chosen a term life policy instead.

Variable life insurance is another form of permanent life insurance. However, it is unique in that while it is a riskier option, the potential on your cash back values and coverage are far greater. Variable life insurance is defined by the government as a ‘securities contract,’ and subsequently will be regulated by federal securities laws and sold only via a prospectus. As a result, you need to understand every aspect of your plan, as you will allocate portions of your premium dollars amongst varying investment avenues.

Positives Variable Life Insurance

  •   Your beneficiaries will receive permanent protection, coverage and benefits upon the policyholder’s passing on.

  •   The cash values of your policy have the potential to grow exponentially, leaving your beneficiaries with great comfort, as well as opportunity for them to continue growing financially on those investments.

  •   Your premiums are not fixed! Because there are different avenues to accrue cash value throughout your policy, those can be used to make up the difference in what you pay out of pocket for the premium, So, dependent on your current cash flow and the terms of your plan, you may change the amount you pay out per month.

Negatives Variable Life Insurance

  •   Where there is potential to gain, there is also potential to lose. This policy involves many different avenues for investment, such as stocks, bonds, equity funds, money market funds, and bond funds. If any of those are not performing well, you may need to add additional premiums to affirm the beneficiaries will receive proper coverage.

  •   Due to the investment nature of this policy, it can be difficult to plan for a precise amount of cash value to be allotted to your beneficiaries.

  •   This type of insurance is generally more expensive than term or permanent insurance due to the nature of your premium dollars being accrued through varying investment channels. Essentially, because of the investment nature, there is no 100% guarantee of your cash value, so a higher premium may be necessary to cover potential loss.

Second-to-die insurance, also known as “dual-life insurance” and “survivorship insurance”, is generally purchased by married couples to provide benefits to their family upon the end of both policy holders’ lives. This is a bit different than other forms of life insurance, in that the living policy holder will not receive any life insurance benefits when their spouse, or partner, passes on. If you are seeking this policy, be sure to ask thorough questions about all terms and coverage involved to make sure your family will be supported. There are never too many questions when picking your unique life insurance policy.

Positives Second-To-Die Life Insurance

  •   This is a policy often made with the children of the policy holders in mind. This policy provides peace of mind to the children of the insured as it is calculated specifically so that estate settlement, estate tax costs and general survival needs can be maintained comfortably. This policy can even help with adding to estate value, not just protection from taxes.

  •   Second-to-die insurance generally covers two or more people at a lower cost than that of traditional individual policies. As a result, it is generally a more economical choice for all parties.

  •   This policy is easier to qualify for if, for example, one member on the plan is not in good health and would otherwise have been denied coverage.

Negatives Second-To-Die Life Insurance

  •   There is no insurance coverage for the living member of this policy, so all funeral arrangements and living costs will be dependent on them.

Term life insurance is a policy which lasts for a specified amount of time, offering protection only within the chosen time range. The most common term life insurance plan is the level term, which can be from 1 – 30 years in length. As long as premiums are paid monthly, your protection will remain in place and in most cases can be renewed after the specific term ends, with a fee. It is important to truly evaluate your situation to decide whether term life insurance is appropriate for you. For example, it is important to know and have on paper, when your term will end and if it may be renewed. You should ensure you know precisely when your premiums will increase and by exactly how much. Equally, be sure to understand whether your policy will be transferable at the end of and/or during the policy term in case your needs change.

Positives To Term Life Insurance

When initiated, the premiums are smaller than permanent insurance, which can provide younger persons with broader coverage.

•   When you have a specific short-term need such as coverage on a mortgage or car loan which will eventually end/be paid off.

•   Term life insurance can be purchased later in life with plans that last upwards of 20 – 30 years. This may provide coverage for as long as you will need it.

Negatives To Term Life Insurance

It is good to bear in mind that premiums will increase as you grow older. Equally, once your term has expired, to renew may mean the term policy will last beyond your needs.

•   Your term coverage may terminate without option for renewal at the end of the specified time, or may be too expensive to continue.

•   In general, term life policies do not provide or even offer an option for cash value or paid-up insurance.